I would welcome a grandchild, but I'm in no rush. My daughter really needs to get her life on track and find a way to move forward first and I think that is going to take awhile. I want to see her do well and be happy, not be concerned about money, but I am afraid that is always going to be a challenge for her.

I honestly just don't have enough in my retirement account. Without a promotion and a major raise, (I'm in that group of employees that seem to always be overlooked for promotions) there isn't much I can do about that at this point. I can't afford to put much in it since I live paycheck to paycheck. My 401k I'm not even considering at this point. I will be dependent on Social Security and who knows what's going to happen to that. It's just all kind of hopeless.