Being a stay-at-home parent has some upsides: You get more time to bond with your children and you don't have to pay an arm and a leg for day care or a babysitter.

For a lot of people, it also brings one significant drawback: Unless you can find a flexible, remote job, you may not be able to earn any income while also caring for your children. And that can make saving for retirement a lot more challenging.

But there's a special rule for married couples that could make things easier. Here's what you need to know.

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Source Fool.com