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First post but I've got to start somewhere. Employed by a small business with no retirement plan, have very little savings, my wife works for a small employer with a similar lack of retirement plan.Have recently invested from savings in Citizens Index funds (which have not fared too well, I might add!).We have a mortgage on our home and our credit card debt is about2K. With not a lot extra to spare, we would like to begin to put something aside in a retirement plan of some kind. I am 50 and my wife is 45.Where can we go to get some help.
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