You have school-age children

Rugrats may bring joy to a family, but they're also linked to slightly lower financial well-being -- at least in their elementary through high school years.

Parents with children 7 to 12 years old reported the lowest financial well-being of all families with kids, with a score of 52, while those with children between 13 to 17 had a score of 53, according to the survey.

Families with either younger or adult children matched the overall median score of 54 points.

The findings jibe with recent research from the Center for Retirement Research, which noted that families with children are at a disadvantage for preparing for retirement, thanks to the cost of food, clothing, child care and education. It found each child is associated with a 3 percent to 4 percent decline in family wealth.