Amanda and her husband made peace with how they thought their life would look. Married for 17 years without having children, they weren’t reckless with money — but they also weren’t planning aggressively for retirement. In fact, they have $0 in retirement savings. Then last summer, everything changed. At 42, Amanda unexpectedly became pregnant. While the couple was excited, the pregnancy also created some financial stress. Her husband, 48, earns about $90,000 a year, while Amanda left her job midway throu ...