Babies and Families

The Financial Facts of Motherhood

The financial implications of motherhood means moms must adjust their finances to fit the needs of their growing family whether they are a mom in the labor force or a stay-at-home mom.

Moms and Money

A working mom combines a career with the responsibility of raising a family. But working moms aren't just those who participate in the labor force. Working moms are the stay-at-home mothers who work in the home and the women who work outside the home while managing family responsibilities. For all moms, there is a balancing act of work, finances and raising children.


10 Money Lessons from Dad

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Aside from the financial implications of motherhood, we've put together some facts and widely known truths to illustrate how invaluable mothers are and why we love them so much.

  • Known truth: A mother is the very first person we meet. Her smile is the very first reason we have to believe that we are loved. Why is a mother special? Because to a small child, she's what makes the world go round.

  • Fact: According to 2014 Pew Research, moms today work more hours outside the home than they did 50 years ago, and spend a lot less time scrubbing floors. Still, every week, they tally three hours more than dads on non-leisure activities.

  • Known truth: Average number of diapers a mother changes by her child's second birthday: 7,300. Number of cups of coffee consumed while still hot: exactly three.

  • Fact: Pew Research says that even though moms today spend more time with their kids than their mothers' generation did, one in four feel it's not enough.

  • Known truth: Mothers may seem superhuman, but actually, they're regular people. Which means that whatever moms have inside that enables them to work so hard and give so much, it's right there inside of you, too. Make your mom happy: when things get tough, reach down deep and show her that you can.

  • Fact: 73 percent of mothers with children under the age of 18 say they are doing an “excellent” or “very good” job as parents, according to Pew Research.

  • Known truth: Mothers are masters of resilience. They don't have the luxury of moping. Even in the face of life-altering disappointments or genuinely insurmountable problems, most moms come up with a way to try again, reinvent hope, and make something good out of what seems irredeemable.

When you examine all the facts and known truths about moms, there's no denying the reality that most moms are amazingly awesome. How can we repay all of their goodness? By being the best people we can be.

Want more inspiration? Watch our Advice to New Parents video. Just make sure to grab a few tissues first. And, if you're a parent, never forget this: Parenting is 95 percent intent, 95 percent luck and 0 percent math. Make the best decisions you can … just like your mom did!

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All Learning Center articles are general summaries that can be used when considering your financial future at various life stages. The information presented is for educational purposes and is meant to supplement other information specific to your situation. It is not intended as investment advice and does not necessarily represent the opinion of Protective Life or its subsidiaries.

Learning Center articles may describe services and financial products not offered by Protective Life or its subsidiaries. Descriptions of financial products contained in Learning Center articles are not intended to represent those offered by Protective Life or its subsidiaries.

Neither Protective Life nor its representatives offer legal or tax advice. We encourage you to consult with your financial adviser and legal or tax adviser regarding your individual situations before making investment, social security, retirement planning, and tax‐related decisions. For information about Protective Life and its products and services, visit www.protective.com.

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