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MarketWatch

How parents can keep saving for retirement during the expensive childcare years

Wednesday, August 5, 2026


Young families are balancing childcare expenses with retirement savings contributions. Financial advisors recommend strategies such as maximizing employer 401(k) matches, using dependent care flexible spending accounts to reduce taxable income, and adjusting contribution rates during high-expense years while resuming higher contributions when childcare costs decline.

Original reporting: https://www.marketwatch.com/story/how-parents-can-keep-saving-for-retirement-during-the-expensive-childcare-years-e06b3abe?mod=mw_rss_topstories

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