We’ve all heard of the gender pay gap (unfortunately) but let’s turn our attention to its evil twin, the gender pension gap. It stands to reason, really, that if women are earning less they’ll be saving less. And of course women tend to live longer so they need more in their pension pots. But recent research has pin-pointed just how unfair the current state of play is when it comes to saving for later life.

It may seem counterintuitive, but if you are in the privileged position to be able to consider childcare, you should view it as an investment, not an expense...