Many financial advisors might make retirement planning out to be an exact science. Their financial calculators will spit out hard numbers, detailing almost to the day when you can quit working. Reality, however, isn't So exact, and those calculators miss a host of subjective emotional factors that you shouldn't ignore.
Here's a Mother's Day downer: On average, women have nearly $41,000 less socked away for retirement than men -- but they're likely to need more. But these three things can help get you on track, no matter what your income is.