On a topical note in the week after Mother's Day, building up a suitable pension for retirement is made even harder for those who take time out to have children and raise a family.
Those missing years can put a big dent in a pension savings plan and may also contribute to a reduced state pension so a potential double blow.
There are some protections in place for those that don't extend their absence from work beyond statutory maternity leave and there are steps that mums can take to make up for missing years of paying national insurance contributions.
But many won't know about this and let's face it after the birth of a new baby, preserving a pension is likely to come way down the priority list.
Employers can help with a little 'Bounty' pack of their own highlighting for those on maternity leave the key financial planning issues that mums need to be aware of and where to get further help.
How to be a mum and still get a decent pension By Brian Milligan 23 September 2016