This episode is brought to you by SmartVestor.

Connect with an investing pro near you at Ramsey Solutions.com slash SmartVester.

Let's go to Manchester, New Hampshire and talk to Terry.

What's up, Terry?

Hi. Thanks for taking my call.

Of course. Thanks for calling. What's up? So I'm just looking for a little bit of advice. I'm 60 years old. I just ended a career in which I'm receiving a pension. And I've started a second career, which I'm hoping to work for about the next 10 years. And I'm just wanting to make sure I'm on the right track as far as what I should be investing over the next 10 years. Very cool. What's your new side hustle? I mean, it's not even a side hustle. What's your new career? Yeah, I'm consulting. Excellent. I started in LLC. I'm debt-free except for my house. I only owe about 60 on my house.

But all I have right now is that pension.

It's about 47,000 a year.

And I know that's not going to be enough.

And I'll tell you I don't have anything else because of a couple of things.

First, I just found you guys a few years ago.

But I also have a special needs adult fund.

So throughout, he's in a 30, so throughout

the years, when, you know, things come up and every time I think I have a little bit of money

to set aside, something comes up, right? So then I have to spend, or I do spend. So here I am,

and I'm getting a little worried because, you know, he continues to have needs, but I just want to make

sure I'm on the right track.

So I have a 47,000 pension.

My growth income is about 130 to 150 a year.

I have expenses from my business of about 30K, I'd say, and I'm just trying to figure out how

much do I put aside, how much do I try to invest

between now and then to feel like comfortable I feel like it should be like my goal should be

...