Homemakers primarily rely on spouses for their income but both will retire at some point, and that kind of reliance leaves the homemaker especially vulnerable financially, according to a report from the TransAmerica Center for Retirement Studies.

It said that in the U.S., 81 percent of homemakers are women, and that of those three-fourths believe their spouse’s income will be very or extremely important to them in retirement.

“It is a myth that only workers retire. Homemakers also need to plan and prepare for financial security in old age. For everyone, and especially homemakers, a separation, divorce or loss of a spouse or partner can be devastating both emotionally and financially,” the report said, noting that the risk is elevated because women on average live longer and will need retirement income for more years.

Only about half of homemakers are saving for retirement, however, and less than a third are habitual retirement savers. The report recommended that they get in the retirement savings habit and that they also become personally involved in family finances including budgeting and financial planning.

It also said they could help themselves financially by taking on part-time work if possible, which will not only bring in current income but also will keep skills current and help them land full-time work if needed later.