I am 36 years old. I am married and have 4 children. I went to college, but had my oldest child while I was in school. I have been a stay at home mom ever since. My youngest just turned 5, and I am thinking once he starts full time school I will look into full time work. I have worked at a part time job a few a times over the years. My husband works full time. He has money set aside for retirement through his job. Our expenses are equal to our income. There is never a time when we have extra money. I have no savings, he has no savings. Our kids have no savings for college. We are middle class. We don't get any help from anyone, and we're happy about that. However, all of our money is used. We budget. We scrimp. I'm Thrifty. I coupon. But retirement scares me. What if we have nothing?