![The Niemergs](https://webarchive.library.unt.edu/dentonfracking/20141107041340im_/http://timedotcom.files.wordpress.com/2014/11/141030_mak_niemergs11.jpg?w=321&h=214&crop=1)
4 Kids, 2 Jobs, No Time to Plan
You don't need gray hair to plan for retirement. But how can you do it when you have more immediate goals, like raising a family, paying off debt, or just living your life? MONEY helps one young family get their finances on track for the future—guidance you might find useful too.