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Here’s the difficult talk you should have with your mom this Mother’s Day

Mothers always think of their children’s futures, but sometimes neglect their own.

Both moms and dads are good at day-to-day financial tasks like reviewing checking accounts and tracking spending, but when it comes to stashing away money for the future or paying off debts, fathers outperform their motherly counterparts, according to a report by financial group MassMutual MCI, +0.13%

In a survey of 10,000 Americans, only 43% of mothers put money in a short-term savings account, compared to 62% of fathers, and 39% of mothers saved for retirement, as opposed to 58% of fathers. Fewer mothers than fathers had emergency funds and paid down credit-card or student-loan debt.

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