<prompt> Human: Im 37 and Ive hardly started saving for retirement. Reading about how much I should have saved by now makes me queasy.My spouse, 39, is self-employed - Im the main breadwinner, so its up to me to make sure both of us are able to retire. As far as debt goes, I have a 30 yr fixed mortgage at 5.5 4 yrs in and a new car payment, and hes paying down his student loan, but otherwise were clear. I have a full-time job, am eligible for the 401k through my employer, and my employer matches up to 4. I have 12k in a 401k from a former employer that I need to roll over.My questions: Should I roll my 401k over to my current employer, or start a Roth IRA with it? From what Ive read, since tax rates are so low, it seems to make sense to move the old 401k to a Roth IRA taking the tax hit now, contribute 4 to the 401k at work to get the match, and then put whatever else I can into the Roth. I have a tiny little savings account for emergencies. Should I concentrate on getting the emergency fund built up 6 months of expenses, and then focus on retirement? Or should I go ahead and start with retirement ASAP and put what I can into the emergency fund? Im guessing it will take me about 10-12 months to get the emergency fund up if that was my main focus, and twice that if I start focusing on retirement savings now. Should I refinance my mortgage since I can likely get it down to 4? I can probably come up with the cash to do that, but itll take all my savings. Lastly, should I employ a financial advisor, or am I better off trying to organize my retirement savings on my own with my bank or some online service?Assistant: Youll get better advice if you list the amounts of your income, monthly expenses, assets and debts amounts and interest rates. Human: I would, but Im pretty sure some of my coworkers know my reddit name and Id rather not start problems at work.  <response>: Most people use a throwaway for those occasions. You might want to delete this post and redo it later. 