Business
I asked my husband to pay into my pension when we had a child - here's why
Molly and Taylor Haylett explain the changes to how they managed their finances when they started a family.
BBC Business•
When Molly and Taylor Haylett started their family, they hadn't really planned for what it would mean financially.
"Our first child surprised us, so we weren't prepared for it," says Molly, 30, a financial adviser from Essex.
Molly and Taylor, who's a train driver, were earning similar amounts, but once Molly spent more time at home with their baby, the balance changed.
Katie Guild, co-founder of financial community Nugget Savings, says the pension gap can begin during maternity leave because an employee's own contributions can fall as their pay drops, and contributions may stop altogether during periods of unpaid leave.