We Have Nothing Saved For Retirement

The Ramsey Show Highlights

Ramsey Network

Investing, Education, Business, Self-improvement

4.5 • 838 Ratings

🗓️ 3 February 2026

⏱️ 9 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 CHO, a budget-friendly faith-based alternative to health insurance.
0:07.6	CH Ministries.org slash budget.
0:10.8	My husband and I have been married for 17 years.
0:13.3	I am 42 and he is 48.
0:15.9	And we made peace a long time ago with not having children.
0:18.9	So we haven't been the best stewards of our dual income, no kids money over the years.
0:24.7	Okay.
0:25.3	We haven't been the worst.
0:27.4	We don't carry any debt other than our mortgage, but we have very little in savings and no retirement.
0:33.8	Last August, God surprised us with a baby.
0:37.6	Oh, congratulations.
0:41.0	Thank you. Yeah. So we are late in life parents and just kind of caught in the
0:47.6	process here going, oh my gosh, we didn't prepare for this. So in hindsight, you know,
0:53.8	I know we should have been planning for retirement for ourselves all along,
0:56.8	even without a baby.
0:58.0	But now with a baby, I feel like I am at ground zero and I have no idea what to prioritize
1:04.4	and where to start to give us a fighting chance at not only retirement,
1:09.3	but just, you know, solid financial stability while
1:12.0	raising this baby in this crazy, expensive world. Totally. Are you guys both working?
1:17.6	I quit my job in April when I was about halfway through my pregnancy, and I am currently a
1:22.2	state-at-home mom. Okay. Are you going to go back at all? Do you know, or will you wait probably
1:26.0	for a bit and be a stay-at-home mom?
	...

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