I make too much for a Roth and I'm not about getting married. Come to think of it I'm not getting a boss either.
Nothing wrong with that. All personal choices.
A working couple with decent careers can easily make too much to contribute to a Roth too. You may only contribute to a Roth IRA if you make less than $137,000 for single filers and $203,000 for married couples filing jointly.
However, working couples get around this by maximizing their 401K, which reduces their taxable income.
Newly retired couples can also take advantage of backdoor Roth conversions to minimize taxes.
Employees can also reduce their taxable income by taking advantage of Health Savings Account (HSA) and Flexible Spending Account (FSA), available through their employer. Any money they contribute to these accounts is 100% tax free, as long as they spend it only on medical expenses.
Couples working for employers with decent benefits create a cushion too. They have more than one source of income. So if one loses a job, they still have the other's income along with health insurance benefits.
So having an employer is not such a bad thing if the employer has decent benefits, the employees have decent careers, and the employees take full advantage of all the benefits available to them in order to earn, save, and invest for a comfortable retirement. Again, it's a personal choice.