Identify which part of this sentence is a dependent clause: Even if she saved for ten years, she would not have enough money to buy her dream house.

She would not have enough money to buy her dream house. this is the defendant clause.

A dependent clause cannot stand on its own - it needs to be a part of the main, independent clause. Having this in mind, the dependent clause in this sentence is Even if she saved for ten years. The remaining part of the sentence is independent.