It’s natural to not think much about retirement when you’re younger. After all, you’ve got college, a career to launch, maybe marriage and kids (maybe not), and so many other things going on. But once you’re on the back side of 50, you start paying a lot more attention because the vague concept to retire in poverty might be in your future. And it’s ‘scary’.

However, it’s not too late at any age to start making your retirement a ‘must have’ rather than a ‘nice to have’. When you set a goal and laser focus your efforts on it, you can really start making good progress. 

But even smart, accomplished women can be derailed from saving for their retirement. Here are some of the ways they are holding themselves back.

They think their husband will take care of it

He might. But what if he doesn’t?