I'm 57 and Never Thought About Retirement

The Ramsey Show Highlights

Ramsey Network

Business, Investing, Education, Self-improvement

4.5 • 839 Ratings

🗓️ 8 January 2026

⏱️ 8 minutes

🔗️ Recording | iTunes | RSS

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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 i never thought about
0:08.2	retirement it was just something not in my in in my vocabulary um i spent my 20s and 30s having a good
0:16.2	time um very unusual but now that i 57 i'm starting to think about things I should have thought of a long time ago.
0:24.0	So I have a little bit in savings.
0:26.1	I have a little bit in an IRA.
0:28.4	And my question is, is it too late for me to think about retirement?
0:33.3	Yeah, it's over.
0:35.1	You're just so old.
0:35.9	You're so old.
0:36.6	You're so old. You can't do anything. You need to go to the bar and find you somebody because it's over. You're just so old. You're so old. You're so old. You can't do anything.
0:39.3	You need to go the bar and find you somebody because it's over for you.
0:46.3	Of course not. Of course not. Now, obviously it would have been better if you started when you were 27, but that's in the rearview mirror.
0:56.4	So let's just deal with what we got.
0:58.0	What do you make a year?
0:59.6	I make $50,000 a year.
1:01.7	Okay.
1:02.2	So if you save 15% of that, that's $7,500, fully fund of Roth IRA, tax-free growth in a good growth-stock mutual fund.
1:10.4	And if you do that for the next 10, 15 years, you're not a pretty sizable chunk of money.
1:17.8	Okay.
1:18.4	Probably a million dollars.
1:20.6	Seriously?
1:21.8	Yeah.
	...

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