The short and sweet answer is retirement. If need be, your kids can always take out affordable student loans to cover education-related expenses. If you don't save for retirement, though, you run the risk of working well into your golden years when you should be focusing on your health and grandkids. In addition, failing to save for retirement is risky because healthcare and other costs are sure to mount as you age. If you and your husband don't plan for senior expenses you run the risk of making your kids foot the bill for you.