J and I both don't have 401Ks because we haven't been offered them. Our districts don't do them. We do something called PERA which is similar to social security but is a saving account for retirement. It isn't much though. Now that we are able to have a little money in savings, I want to start looking at what we can be doing. J is fighting me tooth and nail that he is too old to be saving for retirement and that he'll never be retiring. He will be 33 next Sunday. His uncle is 62 and was laid off in the spring. He also didn't save because he didn't think he would live that long because his dad and grandfather didn't. Well, clearly he is still alive and now scrambling. He can't find a job because of his age. I am so afraid that something like that would happen to us in the future. I suggested $100/month for each of us for a small retirement account. He is fighting me on it.
What are you thoughts? Any idea to sway him to my side?