One retiree shares his story about how he's been living without insurance for a year.

I never see this topic addressed: What are the retirement options available to the huge percentage of the working population who didn't ever make a living wage, whose daily living expenses even with roommates and scrimping very hard indeed seldom met monthly living expenses much less leave anything to save? And please do not trot out that old cliche about giving up fancy coffee drinks — those of us who do not even make a living wage are drinking whatever is on sale at Walmart, not purveyed by Starbucks. All the experts want to do is talk to people who make a lot of money — about their savings, investments and golden retirements. Marketplace Money's experts do need to understand that a very large percentage of working Americans simply do not have these assets but DO face the prospect of a grim retirement. Thank you!

Hello, My wife and I are looking to purchase a car and are curious about how taking out an auto loan might affect our credit scores. We are both fortunate enough to have decent jobs and have been relatively aggressive savers, so it is possible for us to pay for a car in cash. In addition, we have been lucky enough to have been able to get by without incurring any debt (other than credit cards that are consistently paid off each month, no student loans). As a result, our credit scores are based solely on credit cards and we have not had any debt involving monthly payments. At some point in the next couple years, we would like to buy a house and want to know if it would be a good idea to add an auto loan to our credit history. If so, how does the amount and duration of the loan factor into our credit rating? Are there benchmarks used by the credit rating companies? For example, would financing $10,000 dollars of the purchase be better than $5,000? Would a 24-month loan have a different effect than a 36-month loan? Enjoy the show – any advice you might be able to offer would be greatly appreciated. Best, Jon

I'm 33 and just started medical residency. I spent most of my 20's in school, so I don't have much at all saved for retirement or saved for anything really. Now that I finally have a paycheck, I've figured that I can afford to save about 20 percent of it (or about $700 or so a month, so not a whole lot). Should all of that go directly towards retirement? Or should I save part of that amount for an emergency fund or potentially for a down payment for a house someday, and if so how much? How do people manage to save for normal life events like houses, etc., while still being smart about retirement on this type of income? Thanks!

The blog 'Mr. Money Mustache' is about the experience of one man who saved enough to retire at age 30. And he says you can do it, too.

Understanding and navigating through the different retirement plans out there can be confusing, so here's an explainer of your options.

"Golden Girls" may have ended, but the housing model in the TV sitcom — of elderly women living together — is gaining popularity.

Most people know to save for retirement. But what do you do with your money after you retire?

Whether you're in your 20s, 30s, 40s, of 50-plus, most everyone has to save for retirement. A personal finance expert offers some advice.