if this information does n't convince you to sit down with your young children and talk with them about some of the facts of life about money , then consider this : if your teenager gets pregnant and decides to keep and raise the baby , the chances of them pushing you and/ or themselves ( and their baby ) into homelessness significantly increases since if you as a responsible adult do n't have enough saved for retirement then you probably do n't even have enough saved for emergencies either and this means that even if your teenager never gets pregnant before getting married then you still have a significant chance for becoming homeless yourself as you try to handle your retirement years financially ( if you do n't do more to adequately prepare for retirement now ) .