40 and no retirement plan

40 and no retirement plan I'm 40 years old and I work for a very small flooring company. My boss offers no retirement options or health benefits at all. The company makes a very healthy profit every year and I'm just staying a float. I make $20 a hour and while I do enjoy what I do I also have been told by my boss that in 3 to 5 years I will be making very good money. Th...

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