Help Please
I need guidance on how to actually grow or start a retirement fund. I admit I have had my head in the sand over this. Please don't shame me. I know I am late to this way of thinking. I am 45 years old.
I stayed home to raise kids but am back working. My husband has an RRSP (im not sure its amount). I have a tiny one, like 6k? and an investment that has 35k in it. I work part time, and only make 25k a year. We have 3 kids, 22 y/o will be moving out in september, 20 y/o who is in university so lives at home still, and 17 y/o
We have a mortgage that has 280K left and no other debts. Husband brings in around 100K. Theoretically we make enough but it always seems something comes up.
I am starting to panic about retirement. I need to save/invest, but I am not sure where to start. I am lost when it comes to all of that.
Any advice, I would be so eternally grateful.