Donna teaches math in an inner-city charter school. Most of her students come from single-family households and most are poor: over 90 percent of them are eligible for free or reduced lunch. Great math teachers at schools like Donna's are rare. But Donna is a gifted teacher. She loves math and she loves her students. She believes that building strong math skills is the gateway out of poverty, and she has high expectations of her students.

But as dedicated as Donna is to her students and to teaching them to work towards a more financially secure future, she is not doing the same for herself. In fact, she is not saving a thing for her own retirement. She's been teaching for fifteen years and barely has anything to show for it financially. What can Donna do?