We are in our mid-50's and both self employed. All though we have no debt and have been saving throughout our marriage, we have not saved as much as we should have due to having a child with special needs that our insurance didn't cover. As well as me being a two time cancer survivor. So we are definitely behind in saving for retirement, and with us both being self employed there is no pension waiting for us. In our case, it wasn't not knowing how to save but unexpected costs that have been our downfall. Not sure what else we can do to fix this situation at this point in our lives, so we just continue to live as frugally as possible and save as much as possible. We both know that there will not be any true retirement for us, as we will continue to work in some capacity until we can't.