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Of course, it's hard for most families to come up with $3000 a year to be put towards retirement. Saving while working is relatively easy; it can come out of paycheck before you ever see it, so it doesn't hurt much. You need to figure out a monthly dollar amount you can contribute, so that it goes throughout year. Don't hurt your family doing this, of course, but if you can find a way to get a little money put aside so you can have a decent retirement, do so.
Those who want only to be stay-at-home moms may resist notion of finding a job, whether it be part time or working at home, but it is another option to keep money going towards your retirement. It assures you that some money is going toward Social Security, and gives you a little extra money to put towards your retirement. Once kids are in school, a highly flexible job can keep your skills sharp, too.
For others, a home business is an option. You don't have to go direct sales route, although it is certainly a popular way to start a home business with less risk. You can start a website on something you love, sell crafts you've made… perhaps something you love to do could be a small home business for you.
You are only one who can decide which sacrifices you can make to ensure that you have a financially secure retirement. Take time now to think about your future.
Stephanie Foster is the owner of Home with the Kids, a resource that knows that there's more to staying home with your family than just business. For more stay at home tips, visit the site at http://www.homewiththekids.com/ and subscribe to the free newsletter.