55-Year-Old Has No Savings, No Retirement, No Home, and Makes $20 An Hour—After Husband Left Her For An Ex, She Asks, 'Where Do I Start?'

Benzinga_recent_news

Aug 07, 2025

Imagine waking up every morning wondering if it'll be your last paycheck before everything collapses. That fear kept her up at night. At 55, she's got no savings, no retirement, zero home ownership—...

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That fear kept her up at night. At 55, she's got no savings, no retirement, zero home ownership—...</p>\n\n<a href=\"https://www.benzinga.com/personal-finance/management/25/08/46933364/55-year-old-has-no-savings-no-retirement-no-home-and-makes-20-an-hour-after-husband-left-her-for-an-ex-she-asks-where-do-i-start\">Source Link</a>\n\n</div>\n","source":"benzinga_recent_news","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>55-Year-Old Has No Savings, No Retirement, No Home, and Makes $20 An Hour—After Husband Left Her For An Ex, She Asks, 'Where Do I Start?'</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n55-Year-Old Has No Savings, No Retirement, No Home, and Makes $20 An Hour—After Husband Left Her For An Ex, She Asks, 'Where Do I Start?'\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-08-07 06:31 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.benzinga.com/personal-finance/management/25/08/46933364/55-year-old-has-no-savings-no-retirement-no-home-and-makes-20-an-hour-after-husband-left-her-for-an-ex-she-asks-where-do-i-start><strong>Benzinga_recent_news</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Imagine waking up every morning wondering if it'll be your last paycheck before everything collapses. That fear kept her up at night. At 55, she's got no savings, no retirement, zero home ownership—...</p>\n\n<a href=\"https://www.benzinga.com/personal-finance/management/25/08/46933364/55-year-old-has-no-savings-no-retirement-no-home-and-makes-20-an-hour-after-husband-left-her-for-an-ex-she-asks-where-do-i-start\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"HBCP","symbol_name":"Home Bancorp Inc","start_time":0,"source_url":"https://www.benzinga.com/personal-finance/management/25/08/46933364/55-year-old-has-no-savings-no-retirement-no-home-and-makes-20-an-hour-after-husband-left-her-for-an-ex-she-asks-where-do-i-start","article_id":"2557870895","we_media_id":null,"thumbnails":["https://cdn.benzinga.com/files/images/story/2025/08/06/Financial-Concept-And-Saving-Money--inve.jpeg?optimize=medium&dpr=2&auto=webp&width=240"],"rights":{"source":"benzinga_recent_news","url":"https://www.benzinga.com/personal-finance/management/25/08/46933364/55-year-old-has-no-savings-no-retirement-no-home-and-makes-20-an-hour-after-husband-left-her-for-an-ex-she-asks-where-do-i-start","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2557870895","pubTimestamp":1754519460,"columns":[],"sourceInfo":{"source_id":"benzinga_recent_news","name":"Benzinga"},"weMediaInfo":null,"summary":"Imagine waking up every morning wondering if it'll be your last paycheck before everything collapses. That fear kept her up at night. At 55, she's got no savings, no retirement, zero home ownership—earning just $20 an hour after a decade of rebuilding life. She posted a gut-punching plea on Reddit: \"Where do I start?Her story began 10 years ago. After 15 years as a homemaker, her husband walked out—reconnecting with an ex, exposing months of betrayal. He secretly stopped paying the mortgage and drained their savings, leaving her and their kids homeless and broke.Diagnosed with a chronic illness, she reentered school and finished a healthcare administration degree. She landed a job paying $10 an hour, no benefits, and scraped by. Now she makes $20 an hour as a contractor, gets health \"insurance\" from a self-funded plan, and has access to a 0% match 401 with no employer contribution. Her takehome is about $2,500 a month.She's terrified about how long she can work and whether she'll ever ","collect":0,"end_time":0,"defaultTopTitle":"benzinga.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"HBCP":"Home Bancorp Inc","BK4547":"WSB热门概念","LU2290526834.HKD":"BGF NEXT GENERATION TECHNOLOGY \"A2\" (HKDHDG) ACC","BK4195":"互助储蓄与抵押信贷金融服务","LU2360107168.USD":"BGF NEXT GENERATION TECHNOLOGY \"A4\" (USD) INC","LU1861215975.USD":"贝莱德新一代科技基金 A2","LU1861220033.SGD":"Blackrock Next Generation Technology A2 SGD-H","BK4211":"区域性银行","BK4077":"互动媒体与服务"},"translate_title":"55岁的她没有积蓄，没有退休，没有家，每小时挣20美元——在丈夫为了前任离开她后，她问：“我从哪里开始？”","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"HBCP":1},"content_text":"Imagine waking up every morning wondering if it'll be your last paycheck before everything collapses. That fear kept her up at night. At 55, she's got no savings, no retirement, zero home ownership—earning just $20 an hour after a decade of rebuilding life. She posted a gut-punching plea on Reddit: \"Where do I start?\"\nHer story began 10 years ago. After 15 years as a homemaker, her husband walked out—reconnecting with an ex, exposing months of betrayal. He secretly stopped paying the mortgage and drained their savings, leaving her and their kids homeless and broke. \nDiagnosed with a chronic illness, she reentered school and finished a healthcare administration degree. She landed a job paying $10 an hour, no benefits, and scraped by. Now she makes $20 an hour as a contractor, gets health \"insurance\" from a self-funded plan, and has access to a 0% match 401(k) with no employer contribution. Her take‑home is about $2,500 a month.\nDon't Miss:\nShe's terrified about how long she can work and whether she'll ever own a home again. She asked: \"I would like to own a home again… and I know I need a retirement savings, but I don't know if it's even feasible. Where do I start?\" \nRedditors responded with sympathy and practical suggestions. One user said flat out, \"You literally just start saving. That's it. There's no magic trick.\" They encouraged her to find work that doesn't break her body and reminded her she still has 15–20 working years ahead. \nAnother user laid out a solid to-do list: ask how many kids still depend on her, explore temp agencies with her degree, potentially earn side income through interior design, and build a bare‑bones budget. They even suggested skipping the zero‑match 401(k) to open a traditional IRA for quicker benefits.\nTrending: ‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. You can invest today for just $0.30/share.\nOne practical commenter, who had done similar work, recommended she try hospital patient registration. At around $25 an hour with benefits and often a match, that job is a lifeline for many over‑50 professionals. \nToday's Best Finance Deals\nSo how can someone begin turning things around after financial setbacks, divorce, or years out of the workforce?\nStart with a basic budget. Track your monthly income, fixed bills, and variable expenses like food and transportation. Even if your income feels tight, try to carve out a small amount—just 2% to 5%—for emergency savings. Over time, aim to build that up to 10% or even 15%, especially if retirement savings haven't yet started.\nFinding better-paying work can be a game changer. Whether or not you have a degree, there are often overlooked options. Some Reddit users suggested job boards, hospital systems, and even temp agencies as ways to land roles with benefits. Others emphasized avoiding burnout by choosing work that pays more without draining your health.\nThen there's retirement. Open an account—whether that's a 401(k) through work, or an IRA you open yourself. If you're over 50, you can contribute extra through catch-up contributions. Roth or traditional? That depends on your income and tax needs—but what matters most is simply starting. Even $20 a paycheck can snowball with time.\nSee Also: $100k+ in investable assets? Match with a fiduciary advisor for free to learn how you can maximize your retirement and save on taxes – no cost, no obligation.\nDebt also needs a strategy. If you're supporting adult kids or carrying lingering financial commitments, take a hard look at what's sustainable. Redirecting even one unnecessary expense toward paying down loans or credit cards could create breathing room—and reduce interest in the long run.\nAnd don't go it alone. Nonprofits, career coaches, disability services, even alumni networks can offer resources that don't require you to figure everything out by yourself. For some, Social Security benefits tied to a former spouse may be an option too—especially if the marriage lasted ten years or more.\nHer story is terrifying—but it's not the end. Retirement might feel like a fantasy when you're just trying to stay afloat, but it's not out of reach. Even if you're starting at zero, the goal isn't perfection—it's progress. One paycheck with a little leftover. One bill paid down. One interview that opens a door. Every step, no matter how small, builds momentum. Slow and steady might not be flashy, but it's powerful.\nRead Next: Warren Buffett once said, \"If you don't find a way to make money while you sleep, you will work until you die.\" Here’s how you can earn passive income with just $10.\nImage: Shutterstock","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}