Beth Braverman is a freelance writer who covers mostly personal finance, careers and parenting. Her work has appeared at CNNMoney.com, CNBC.com, Oprah.com, Money, Consumer Reports and dozens of other publications. She lives with her family in Westchester County, N.Y., where she spends her time chasing after that elusive work-life balance and dreaming about retirement—and figuring out how to pay for it.