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I’m a 32-year-old stay-at-home mom, and my husband earns $150,000 a year. Will I ever be able to enjoy a retirement?


I’ve been a stay-at-home mom for five years to a 4-year-old and 2-year-old. I’m 32 and I don’t see a clear deadline for when I can return to work. My husband makes 150k a year and is contributing to his 401(k) at 3% with a 3% match.

My question is, how do I secure a financial future for myself? Obviously I need to go back to work but am I too late in the game to be able to enjoy “retirement” years? Any help is appreciated!


Dear M.K.,

You’re definitely not too late to enjoy your future retirement years. As financial adviser Stephanie Genkin told me, people usually aren’t starting to save for retirement until their 30s anyway, so you’re on…


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