Retirement Planning for Mothers: Securing Your Future
Mothers are pros at planning for everyone else. But what about your future? It’s time to prioritize your retirement—because you deserve security and freedom in the years ahead.
And before you start worrying that you’re already behind—take a deep breath. No matter where you’re starting from, you can build a plan that works for you. The most important step is to start where you are.
It’s easy to put off retirement savings when there are immediate financial needs (kids, mortgage, day-to-day expenses), but future you deserves the same care and attention you give everyone else. Even small contributions—$50 a month, 1% more in your 401(k), or an extra deposit when possible—can grow significantly over time.
Don’t let perfection stop you from starting. It’s never too late, and every step counts.
A Heartfelt Reminder
Retirement planning isn’t about having it all figured out today—it’s about making small, intentional choices over time. Give yourself permission to start where you are, adjust as needed, and know that every step you take is an investment in your future self. Mothers are pros at planning for everyone else. But what about your future? It’s time to prioritize your retirement—because you deserve security and freedom in the years ahead.
And before you start worrying that you’re already behind—take a deep breath. No matter where you’re starting from, you can build a plan that works for you. Let’s focus on what’s doable, not what’s ideal. Mothers are pros at planning for everyone else. But what about your future? It’s time to prioritize your retirement—because you deserve security and freedom in the years ahead.
Step 1: Start Saving Now (Even If It’s Small)
If you have access to a 401(k) with a match, take it!
Consider opening a Roth or Traditional IRA.
Automate contributions—even $50 a month adds up over time!
Step 2: Balance Saving for Kids & Yourself
You can take out loans for college, but not for retirement.
Prioritize your future, while still setting your kids up for success.
Step 3: Reevaluate Regularly
Adjust contributions as income changes.
Make sure your investments align with your goals and risk tolerance.
You’ve cared for everyone else—now it’s time to care for future you.