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Dear Penny: I’m 54 with no retirement savings. How do I get started?

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No, I think it’s a straight manifestation of a wealth gap. When I came in, the way to break into magazines was to do an unpaid. black people to get easy loans. I think all these things are possible.

No matter where you’re at with your savings or what your current financial position is, there is still time to turn things around. Talk to a financial advisor and they will work with you to create a realistic and attainable plan for getting your retirement savings back on track. Don’t put it off. Get started today.

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Are there any other Dollar Stretchers closing in on retirement with little or no retirement savings? We are in this situation and I do not think we can make it on Social Security alone. What are your plans to support yourself during retirement? Will you continue to work in some way? This is a very stressful time in our lives, and I admit I’m.

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A 2016 report from the Government Accountability Office found that 29% of households headed by someone over 55 had no retirement savings and no defined-benefit retirement plan, such as a pension. So your predicament is common, unfortunately. But you still have options that can make your retirement years a lot more comfortable.

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Dear Dr. Don, My husband of 13 years died in 2006. He was already collecting Social Security at the time. After I got my senses together, I checked to see when I could get spousal benefits from.

We were never able to save much of anything before I started doing this, but recently I’ve begun to feel bad about doing it. Can you give me some advice? Penny Dear Penny, I’m glad you seem to be re-thinking this strategy. I believe in saving up for emergencies and having an emergency fund of three to six months of expenses in place.

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