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<url><loc>https://irrationalretirement.com/2026/10/12/perhaps-retirement-saving-should-begin-at-birth/</loc><news:news><news:publication><news:name>Irrational Retirement</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-12T07:00:00+00:00</news:publication_date><news:title>Perhaps Retirement Saving Should Begin at Birth</news:title><news:keywords>retirement saving, retirement, personal finance, behavioral economics, behavioral biases, pension saving, retirement planning, pension plans, Behavioral finance, Behavioral science, Trump Accounts, Junior SIPP, Saving for kids</news:keywords></news:news><image:image><image:loc>https://irrationalretirement.com/wp-content/uploads/2026/10/pexels-photo-7118209.jpeg?w=150</image:loc></image:image></url></urlset>