 I need some help. We are just starting off on the baby steps, and I'm trying to get my wife on board. She's 50 years old. I'm 40. We have zero in the savings, and I am just worried that we will have nothing in retirement. She works at a local university in the Treasury Department making less than $2,000 a month. I'm a former military, so I get my disability, so I get about $4,400 a month.