Even if husband is the only one earning a salary, you can still have a "spousal" IRA.

Ostensibly they are member-oriented.Another thought: Study and apply the art of raising private money from every IRA owner in your world.

Is there a way to put it into an IRA tax free to save it for retirement?

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.Discounts on some products and services are offered to BP members: https://www.biggerpockets.com/perks/prUse the Bigger Pockets glossary to learn more about real estate terms that may be new to you: https://www.biggerpockets.com/rei/glossaryAlerts can be really helpful too: http://www.biggerpockets.com/alertsThere are a few self-contained guides that you can access here: https://www.biggerpockets.com/guides

BUT I'm also a financial professional and there are many SAFE spaces to put your money which I assume you may already have retirement savings accounts like IRA or 401K maybe even an IUL(Index Universal Life)Policy.

Max Traditional IRA or Roth (or backdoor Roth) based on income level 5.

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.Discounts on some products and services are offered to BP members: https://www.biggerpockets.com/perks/proIf you haven’t been to it already, you might want to check out the BP blog: https://www.biggerpockets.com/renewsblog/The site has quite a few tools that can be helpful for new members.

Has anyone used them for their self-directed IRA?  

A great example would be leveraging a self directed IRA, which would require some careful consideration beforehand; however, it goes to show that there are many available options for real estate investment financing.

Unless you need some earned income to invest in an IRA like I do, you won't want to turn passive income into ordinary SE taxed income.