I’m a Ramsey girl, but my husband doesn’t feel the urgency
I’m 43f, my husband is 54m. I need some advice on how to wake him up! Neither one of us have been able to start saving for retirement. I had an account and needed to use it to fund an expensive divorce a few years ago. He had a 401k and him and his ex-wife used it for new cars and a Harley. Now that we’re married I’m bitter he has nothing. I at least have 300+k in home equity and make $85k/yr. He brought nothing but a low salary to the marriage, 36k. I’m panicking regularly. This burden is too heavy. There are 5 kids between us and I feel bitter about having so many dependents, even tho his are grown. Yes I knew this going in so please don’t rub my nose in it). I need advice on how to navigate this. How do I get him to see he needs to take a higher paying job even if it isn’t his passion? His current job offers no 401k at all. When I ask him about retirement, his response is “ he never plans to retire”. Which is absolutely ridiculous. Given the age difference, I feel I’m his retirement plan. I’m so aggravated. Anyone have experience getting their spouse to wake up?!?! Without completely ruining his ego. Thank you.