54 and worried about retirement.
54 yrs old
I have a state job that will pay a pension but my salary is low only 60k a yr without much room for advancement.
I will hit my 20yrs in 10yrs at 64yrs old. But my full retirement age is 67.
My husband has no retirement no pension and is 1 yr older than me. Makes 65k a year.
We have not been smart with money. Basically live paycheck to paycheck.
But we could scrap up about 250 a month and invest it somehow but we don't know where or how to begin.
Any advice?