So your parents didn’t start a retirement fund for you the moment you were born and you didn’t start saving when you got your first job? Do you think now it’s too late and that you’ll be stuck working for the rest of your life? Today’s article replies to a reader’s question of what to do when you have nothing saved up. Here’s what they had to say, “First, figure out your retirement goals. When do you want to retire? What kind of lifestyle do you want? What will your biggest expenses be? The answers will determine how much you need to save.” To read more, CLICK HERE.