Michelle Singletary

Yeah, the first thing I would say is don't beat yourself up. You know, you are where you are and accept that, but do something about it. So if you are getting close to retirement, are you about that or a time where you think, then you've got to make some hard decisions. Are you ready to retire? You might say, I wanted to retire at 62. I'm going to retire no matter what.

Yeah, the first thing I would say is don't beat yourself up. You know, you are where you are and accept that, but do something about it. So if you are getting close to retirement, are you about that or a time where you think, then you've got to make some hard decisions. Are you ready to retire? You might say, I wanted to retire at 62. I'm going to retire no matter what.

Well, you can't retire at 62. You don't have enough. Many people work into their late 60s and 70s and 80s. So if that's you, that might be what you have to do. And or you look at your housing situation because aside from some of your other bills, housing is the biggest part of your budget. So you might have to say, you know what?

Well, you can't retire at 62. You don't have enough. Many people work into their late 60s and 70s and 80s. So if that's you, that might be what you have to do. And or you look at your housing situation because aside from some of your other bills, housing is the biggest part of your budget. So you might have to say, you know what?

Well, you can't retire at 62. You don't have enough. Many people work into their late 60s and 70s and 80s. So if that's you, that might be what you have to do. And or you look at your housing situation because aside from some of your other bills, housing is the biggest part of your budget. So you might have to say, you know what?

Those young adults that was asking me about my money, maybe I have to move in with them or they move in with me. So you got to look at the big ticket items and then you make decisions by that. So let's say you're near retirement, but you can't work anymore. You're not healthy. Then you look at collecting Social Security a little earlier.

Those young adults that was asking me about my money, maybe I have to move in with them or they move in with me. So you got to look at the big ticket items and then you make decisions by that. So let's say you're near retirement, but you can't work anymore. You're not healthy. Then you look at collecting Social Security a little earlier.

Those young adults that was asking me about my money, maybe I have to move in with them or they move in with me. So you got to look at the big ticket items and then you make decisions by that. So let's say you're near retirement, but you can't work anymore. You're not healthy. Then you look at collecting Social Security a little earlier.

Are there resources available for people who don't have as much saved? There's two places I really recommend people to go. First of all, it's AARP. They have a whole section on their website for retiring, retiring in place, long-term care information, how to do your estate planning. And then also your local aging office.

Are there resources available for people who don't have as much saved? There's two places I really recommend people to go. First of all, it's AARP. They have a whole section on their website for retiring, retiring in place, long-term care information, how to do your estate planning. And then also your local aging office.

Are there resources available for people who don't have as much saved? There's two places I really recommend people to go. First of all, it's AARP. They have a whole section on their website for retiring, retiring in place, long-term care information, how to do your estate planning. And then also your local aging office.

It has a tremendous amount of resources for those who may not have enough, who have housing insecurity or food insecurity. And then hopefully you're connected to some community group, whether it's through your faith or some other group. Get connected in your community because there are some resources that can help you, but you won't know if you're not connected.

It has a tremendous amount of resources for those who may not have enough, who have housing insecurity or food insecurity. And then hopefully you're connected to some community group, whether it's through your faith or some other group. Get connected in your community because there are some resources that can help you, but you won't know if you're not connected.

It has a tremendous amount of resources for those who may not have enough, who have housing insecurity or food insecurity. And then hopefully you're connected to some community group, whether it's through your faith or some other group. Get connected in your community because there are some resources that can help you, but you won't know if you're not connected.

So this happens a lot. People want, they ask you a question and they really have already reined up their mind. They want you to co-sign on a bad situation. Listen, good advice is good advice no matter what. And people want a microwave answer to a problem that need to be baked in the oven. And so you can't microwave your way away from situations like we're going right now. You just can't.

So this happens a lot. People want, they ask you a question and they really have already reined up their mind. They want you to co-sign on a bad situation. Listen, good advice is good advice no matter what. And people want a microwave answer to a problem that need to be baked in the oven. And so you can't microwave your way away from situations like we're going right now. You just can't.

So this happens a lot. People want, they ask you a question and they really have already reined up their mind. They want you to co-sign on a bad situation. Listen, good advice is good advice no matter what. And people want a microwave answer to a problem that need to be baked in the oven. And so you can't microwave your way away from situations like we're going right now. You just can't.

We know by history, that's how we look at things. You know, the market eventually returns, historically. Could it change in the future? Sure it can. But we have decades and decades of data that show that when we go into an economic downturn, we come out. It's in everybody's interest that that happens. And you have to feel what you need to feel.

We know by history, that's how we look at things. You know, the market eventually returns, historically. Could it change in the future? Sure it can. But we have decades and decades of data that show that when we go into an economic downturn, we come out. It's in everybody's interest that that happens. And you have to feel what you need to feel.

We know by history, that's how we look at things. You know, the market eventually returns, historically. Could it change in the future? Sure it can. But we have decades and decades of data that show that when we go into an economic downturn, we come out. It's in everybody's interest that that happens. And you have to feel what you need to feel.