Many American parents face a tug of war over trying to save enough for retirement and saving for college.
Some, like Lisa Carey, a 44-year-old high school history teacher in Tampa, Fla., and her husband, Peter, a minister, haven't yet started saving for their three kids' college education. (Carey joined NPR's Your Money and Your Life Facebook group. If you're on Facebook, you can join the group, too.)
"I find it a struggle to save really much at all.