Generally, individual retirement accounts (IRAs) can only be funded with earned income. So if you’re unemployed, that’s kind of a bummer. There is, however, a loophole if you’re unemployed and married: set up a spousal IRA.
What is a Spousal IRA? A Spousal Individual Retirement Account (IRA) is a special type of IRA that is designed to benefit a non-working spouse and allows a married couple to each have an IRA to help fund their retirement. I http://www.getrichslowly.org/blog/2016/11/09/what-is-a-spousal-ira/