One of the major downsides of being a military spouse is that it makes it more challenging to maintain a career or even just keep a job. A lack of employment limits retirement savings options for many military spouses. In a perfect world, every individual would have their own, independent retirement savings and not be reliant upon the savings or benefits of their husband or wife. Thankfully, there is one important way in which even non-working people can contribute to a tax-advantage retirement savings plan: The Spousal Individual Retirement Arrangement (IRA). For more details, see this Paycheck Chronicles post.