Saving for the future can be challenging for spouses who can't work or are underemployed. Couples may want to establish a spousal individual retirement account (IRA). This tax-advantaged IRA allows the working service member to contribute up to $6,000 in 2022 to a traditional or Roth IRA in their spouse's name. The IRS allows taxpayers to set aside an additional $1,000 catch-up contribution each year if they're 50 or older.