I am a drop out that use to party alot never kept a job . Straightned up went back to school got my GED and an Associates turned 38 and my parents are retiring so it got me thinking is it to late for me, to get a retirement nest egg going. I have no savings no 401 K and about $140,000 dept on a house and student loans. 4 children and only making around $35,000 a year right now