We Have Nothing Saved For Retirement
The Ramsey Show Highlights
Ramsey Network
4.5 • 838 Ratings
🗓️ 3 February 2026
⏱️ 9 minutes
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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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