President Trump signed an executive order directing the Treasury to create a government website for workers without employer-sponsored retirement plans to access low-cost IRAs.

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A divorced person may be eligible to collect Social Security benefits based on the former spouse's work record. The marriage must have lasted for at least 10 years before ending in divorce, and you must be unmarried and at least 62 years old.

If you meet certain conditions, you can set up and contribute to an IRA (traditional or Roth) for your spouse, even if he or she receives little or no taxable compensation for the year of the contribution. Such an IRA is commonly referred to as a spousal IRA. A spousal IRA is not, however, a special type of IRA. It is merely a way of describing the fact that you are making a contribution to your spouse's traditional or Roth IRA. To contribute to a spousal IRA, you must meet four conditions:

You don’t need to cut expenses or change your lifestyle to improve your finances. But you have to make intentional adjustments and optimize what you already have.