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Thanks for Everything, Mom. Now Let’s Talk Retirement

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Shoppers are expected to shell out a record $23.6 billion on dinners, flowers and other gifts for Mother’s Day 2017, according to the National Retail Federation. But if your loved ones are wondering what’s on your wish list, consider asking for a donation to your retirement savings fund.

OK, maybe a brunch chat on the merits of a traditional individual retirement account versus a Roth IRA will have you reaching for tequila rather than a mimosa. But American women face obstacles to saving for retirement, and studies suggest that the caregiving role Mother’s Day celebrates is a big reason why.

Fortunately, it’s possible to catch up, even if you’ve prioritized family over retirement planning.

Why some moms fall behind on savings

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