How Does A Homemaker Save For Retirement? 
That is my favorite question of the week , hands down ! What an excellent question ! The first place to start is to figure out where your money is going , and eliminate or cut back on those places where it does n't need to go . Maybe you find that you 're dining out 6 nights a week , and that it is a significant amount of your paycheck . Cut back on the number of nights , or go to less expensive places . Put together a budget , and stick to it . Take the money that you now find extra , and use it to create a stable financial foundation for yourself - create an emergency fund , pay down your debt , and start investing the rest . Once you 've created a stable platform to work from , you can be more aggressive with your long range financial plan . It will all start with knowing where your money is going , and how to make it go where you need it to , instead of where it is going now . Be the steward of your money , not its slave . Great question ! Thanks for asking ! 