Use visual cues to prompt yourself to put away more. A photograph of the beach house where you and your husband can envision spending your retirement will remind you to bump up the contribution to your 401(k); a snapshot of your child in a college sweatshirt can encourage you to put more into a 529 college savings plan.

Jean Chatzky

Jean Chatzky

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Put all of your savings on autopilot, and you won't likely notice the missing cash.

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You learn more about yourself through your child, I guess.

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Automate your savings so that you have money taken directly from each paycheck and deposited into a 401(k) or other workplace retirement account. If that's not an option, automatically have money transferred out of checking into savings each time you get paid.

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Your retirement comes before your children's tuition. That's because there's no financial aid for retirement, and there's still a good deal available for college.

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If you go to prison, your child support adds up.

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