No matter what the occupation, everyone looks forward to the day when they can retire and kick their feet up. The problem is, a lot of homemakers aren’t giving their future enough thought. According to the 2015 Aegon Retirement Readiness Survey, 51 percent of homemakers don’t have a plan for retirement. Even though their hard work doesn’t come with a traditional paycheck and benefits, there are still ways homemakers can plan and save for retirement.

Spousal IRA

As long as a homemaker files a joint tax return with their spouse, they can open a spousal IRA. This IRA functions just like your standard IRA, except it’s in the homemakers name and funded by the working spouse. This is not a joint account, the contributions belong solely to the homemaker. For 2015, married couples can contribute up to $5,500 in each of their IRAs ($6,500 if they’re 50 or older).

Get a good life insurance policy

Women have a longer life expectancy than men and make up for 81% of U.S. homemakers. In other words, they’re probably going to outlive the breadwinner. To help minimize the financial burden, your spouse needs to have a life insurance policy in place. When shopping for life insurance, choose a policy that’s capable of covering your basic living expenses, funding your kids’ college tuition and paying off all of the debt.

Make sure you’re the primary beneficiary

No one is going to live forever. To avoid any surprises at the time of death, make sure you are the primary beneficiary on your spouse’s pension and workplace savings plans. This way, you won’t have to worry about fighting anyone for their benefits.

Take the hands-on approach to financial planning

Homemakers need to be involved in making financial decisions. By helping to create a budget and set financial goals, you’ll have more input on how much money goes into savings. Use a retirement calculator to determine how much money you’ll need to retire comfortably, then come up with a game plan for saving the recommended amount.  If the budget is coming up short, consider getting a part time job to boost your savings and build your social security benefits.