First, I know what DH and I did with our finances were wrong, but whats done is done... But the good news is starting in September our finances will be getting better: DS got a huge scholarship at school so his tuition this year is going down from $11,000.00 to $3,000.00. (Crazy I know that kind of $ and it's just high school) DD got a full ride at college and even with dorming, we will not have to officially give her any money towards college, and she will be on the meal plan, so less groceries for me. So with the two of these changes, I need to start saving for DH and I for retirement. I am totally disabled so my income does not increase much, DH has a good job where they work with him so that our end is always good. This year instead of giving him a raise, they are paying 100% of his health insurance. We used to pay 50%, so his pay is higher, just no raise. So where does someone start? I know nothing about retirement or savings. I am thinking that we could start with about $350.00 per month, and this will increase when I get our new budget together in the fall. Any suggestions or information would be greatly appreciated. Teach me Retirement 101!