<prompt> Human: I have knock on wood a steady job with a 401K. My boyfriend has a job thats an absolute perfect fit for him, but offers no benefits. He also has a side job that, in the far future 10 years?, he hopes to turn into something full time. Right now it makes him about 5-10K extra a year. Once we get married he can just go on my health insurance, so thats not a big deal. What Im wondering about is what he can do in regards to saving for retirement? Hes utterly clueless, and Ive just started to do a bit a research on the matter I feel a bit overwhelmed, not gonna lie. The only problem is that neither of us make enough money to invest anything at the moment. Any extra money goes to the he doesnt have health insurance our cars suck fund. Our finances will be improving in the next few years again, knock on wood, so I want to get a jump on things. Were both in our early 30s, not having kids, renting, marriage in a couple years read: elope and spend as little money as possible. I guess what Im basically asking is what do we have to worry about right now?  <response>: If you can post your full monthly income and expenses rough estimate, we can offer better advice. 