Canadian mothers may not be interested in expensive gifts for Mother’s Day, but money is definitely on their minds, according to a recent poll by Bank Nesbitt Burns.

The study, released on Friday, found that 83% of surveyed mothers are concerned about affording their ideal retirement while 67% are worried about paying for their children’s education.

“It’s not surprising that mothers across the country are concerned about saving for retirement and their children’s education,” said Charyl Galpin, co-head, BMO Nesbitt Burns in a statement. “Canadians feel they need, on average, more than $650,000 for retirement, and a post-secondary education may cost as much as $140,000 for a child born in 2013.”

Other concerns on the minds of Canadian mothers, according to BMO, include having enough money to cover household bills and expenses (67%), paying off debt (64%) and paying down the mortgage within a desired timeframe (58%).

Despite these worries, mothers are looking forward to simply spending time with their families on Sunday. According to BMO, 94% of mothers will be happy to have quality time with their families on Mother’s Day as opposed to receiving gifts.

Study results were compiled by Pollara from 501 online surveys completed by Canadian women with children between April 25 and 28. The margin of error for a probability sample of this size is plus or minus 4.4%, 19 times out of 20.