I know I have 2 college tuitions and may be left in debt. DH and I are 55, 401k and IRAs need contributions, retirement is coming. I can't work, am dependent on SSDI. Do have a little from an inheritance. I hope everyone has some financial plan. I know saving is SO hard on a limited income, but the future does worry me. I'm lucky to have a husband with a good income, but I still plan. Hopefully house will be paid for, one expense will be gone. Everyone needs to think about the future, it is coming. (Sorry to be a downer, but it is true the future is coming.)