Hey all!!

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I have a question for everyone. My husband is 48 and I am 39. We have ZERO savings and ZERO retirement. He has the opportunity to do a 401(k) with his new job, but we were wondering what all y’all thought about this. Which is better, a 401(k) or a Roth IRA? We have nothing to use for retirement and its looming within the next 20 years!! We didn’t really think about it until we realized its coming closer and we have absolutely nothing for our future.

Any thoughts or opinions? I don’t know what to do and we really need to get a move on and get SOMETHING going!!!

I just went outside, among the flowering cedars

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to take care of critters and didn’t think I was going to make it back due to the coughing spasms. I get the crud every winter, but it’s been a long time since it has hit me this hard for this long. Ds is running a week (#4) ahead of me and he’s just now getting off cold medications for it. So far dh hasn’t caught it. Sure hope he doesn’t.