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So I am 65 years old.

I have zero savings right now.

And I wonder if I should start, instead of building up the savings account, build up a investment account, like mutual funds, as you and Ramsey speak about all the time.

Yeah, we say, you know, you can't save your way to wealth.

The thing is I'm 65, and nobody knows how long they're going to live.

So, like, 65, what if in five years, you know, it's not going to move a lot.

Sure.

Well, if you're not here in five years, it won't matter.

That's true.

So you can't use that line of thinking, right?

You've got to plan for the best, you know, and hope for the best, but, you know,

once the worst happens, it really doesn't matter

because this is for your long-term play. Do you work right now?

I work part-time, yeah. I work. I make about $1,600 a month.

Are you single, married?

I live with my boyfriend. He covers most of the expenses.

Most of my income is disposable.

As I said, I hate that term, but, yeah.

What happens if, and boy, I'm sure that's nothing but bliss between you guys.

Well, what happens if you guys have a breakup?

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