"I'm 49 With Nothing Saved For Retirement"

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 14 November 2025

⏱️ 127 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	Brought to you by the Every Dollar app. Start budgeting for free today.
0:12.7	Normal is broken. Common sense is weird, so we're here to help you transform your life from the Ramsey Network in the Fairwinds Credit Union Studio.
0:24.8	This is The Ramsey Show.
0:26.8	Excited to be with you today.
0:28.1	I'm Ken Coleman alongside George Campbell.
0:30.1	The phone number to jump in.
0:31.2	Triple 8-8-8-25-5-225-3-2-5-2-5. Let's go to Kate here in Nashville, Tennessee. Kate, how can we help?
0:43.1	Hey, guys. How are y'all doing?
0:45.6	We're having a blast. What's going on in your world?
0:49.2	Okay, so I am, I think I'll just throw stuff out and then y'all can ask questions.
0:56.7	I'm 49.
0:58.0	I'm divorced five years and I have been renting and I have nothing in savings.
1:07.1	I am on baby step two and will be debt-free at the end of this month.
1:14.2	Awesome.
1:14.7	And I'll be going into, of course, Baby Step 3 and hopefully into Baby Step 3 be really quickly.
1:22.9	I believe what I'm looking for is some encouragement and or advice on, you know, if I need to make some changes, if I need to do more.
1:35.6	So, yeah.
1:37.3	Wow.
1:37.9	So how long ago was this divorce?
1:40.0	Is it finalized?
1:41.5	It was, it is.
1:43.0	It was five years ago.
	...

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