Where are you?

According to USA TODAY, "Out of one hundred people age sixty-five, ninety-seven of them can't write a check for $600, fifty-four are still working, and three are financially secure."  (from Dave Ramsey, "The Total Money Makeover", page 154)  As a first step, at least get $500 or $1000 in an emergency fund.  It's so important to get debt free and BREATH.