On the Catching Up to FI podcast, host Bill Yount delivered a line that should reframe how late-start savers think about family budgets: "you can't get a loan for retirement." His follow-up is the part most parents flinch at. "Your financial independence is a gift to your children for their own financial independence," he said, because the alternative is a tax your kids pay later in the form of supporting you. The stakes are concrete. If you are in your 50s with a thin 401(k) and you redirect savings int ...