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.

Parents, if you don’t think this is harsh punishment for your innocent child, ask yourself this. When your spouse pressures you to attend some event you hate, whether a ballet, lecture, or football game, how do you feel? After sitting at that event for only an hour, how do you feel? You are probably angry, irritated, and frustrated. You squirm in your seat or doze off. You can’t wait to get out of there. You can’t wait to get back to your life and doing things you love to do.

Well, millions of kids, and probably your child, must sit through this agony of boredom or frustration for 6 to 8 hours a day for 10 years in public-school classrooms. Yet, to repeat, what crimes have your children committed to warrant this horrible punishment?

In fact, they have committed no crime whatsoever. They are simply innocent victims of local governments and public-school authorities who think they own your children, who think they have right to put your children into education prisons for 10 years for “their own good.”

Parents, if a rogue cop came and took your child to prison for no reason whatsoever, except for saying it would be for your child’s “own good,” would you not fight to death to stop him? So why do you let school authorities take your innocent children and punish them for ten years?

Parents, if you thought you had no choice, you are wrong. Happily, you can homeschool your child or give your child a fun, quality, rewarding, low-cost education with Internet private schools. You have many education options. If your child hates school, listen to him or her. Don’t let school authorities put your child in a public-school prison for ten years. You have a choice, and your child’s life is at stake.

You can find out about all your education options in Joel Turtel’s book, “Public Schools, Public Menace.” Please take advantage of Resources in this book, for your children’s sake.