Think you can't save for retirement because you don't have any earned income right now?

Well, there's an often overlooked benefit known as a spousal IRA that married couples can use to boost retirement contributions.

This podcast will review the spousal IRA rules and what's changed for 2026.

That allows more couples than ever to qualify.

Whether you're a stay-at-home parent, a student, or maybe just between jobs, I'll explain

how to keep your retirement nest egg growing, even without an income.

Welcome back to Money Girl,

everyone. I really appreciate you downloading the show. I'm Laura Adams, an award-winning author,

spokesperson, money speaker, and founder of The Money Stack. That's my substack newsletter. When you visit Laura D. Adams.com and subscribe to the money stack, you'll automatically get

invitations to my live educational and Q&A events. I'd love to see you at my next workshop.

This is episode 994, and I can't believe it, but that means we are sneaking up on the

1,000th Money Girl podcast. This is a huge milestone that's on the horizon,

and so I'm planning a special show, and I want to feature comments from listeners like you.

Maybe it's something you learned on the show that radically improved your finances.

Maybe it's just how long you've been listening, maybe something

like what you appreciate about the podcast, or your favorite money tip. Just leave a brief

voicemail by calling 302-364-0308. And let me and the QDT team know what's on your mind to celebrate 1,000 Money Girl shows.

All right, let's talk about the spousal IRA.

As you know, I'm a huge proponent of using retirement accounts.

They're terrific ways to save for retirement.

But you typically must have earned income like a salary

or self-employment income to use one. But as I mentioned, there is an important exception.

...