It will come as no surprise to any American working mom that we fall far behind on all three.

FORBES: The U.S. Gets Left Behind When It Comes to Working Women

Because Medicaid is funded via a match of funds from states and the federal government, cash-strapped states that have cut from their programs in also lost federal dollars, allowing payment rates to fall far behind.

FORBES: Obamacare's 73% Medicaid Pay Raise For Doctors Is Delayed

Fall too far behind, and you risk not being able to save enough to catch up.

FORBES: How Much Should I Have Saved Toward Retirement?