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In this Thursday, Oct. 20, 2016, photo, Nancy Harvey, owner of Lil’ Nancy’s Primary Schoolhouse, left, cares for a toddler at her home, which has she has converted into a child care center, in Oakland, Calif. Most U.S. households are heading for a worse lifestyle in retirement than they had while they were working, because they simply aren’t saving enough, experts say. Harvey, who has less than $2,000 saved despite her decades of work, plans to continue with real-estate classes in hopes that it can provide a second job. (AP Photo/Marcio Jose Sanchez)

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