<prompt> Human: Hi rpersonalfinance! I am here to seek advice for my mom. She is a 64 year old high school teacher who really wants to retire. I was discussing her finances with her today and looked at her 401K and was shocked to see she only has 10,000 in there! Apparently her employer never matched her contributions, and she didnt contribute much over the years because she didnt trust how they were investing it. I think she also took some out at some point. She has another 8,000 or so in a savings account. No IRA. Thankfully she will be getting a pension, about 13 of her current salary, which is 85K I know, WHY didnt she save more??!She has a mortgage on her 365K house. I am not sure what her mortgage payment is but I can find out. No car payment. She has a basement suite that could be reluctantly rented to a tenant for 600-900 a month. She hopes to retire in 3-5 years. I am here to ask, what steps should she be taking now to prepare for a comfortable retirement? Can she even afford to retire? How can she find out?Any advice is greatly appreciated. Happy to answer additional questions. Thank you  <response>: Definitely find out what shes spending her paycheck on. 85k is 5k a month depending on pretax withdrawls, healthcare, etc. She needs to start saving. Any thoughts towards selling the house and downsizing? It could be worth it if her mortgage payment is high and she still owes a lot. 