<prompt> Human: What resources are good for someone getting a late start in life, so I can understand what I need to know to prepare for getting older?I have always lived mostly paycheck to paycheck, any savings I accrued basically turned into debt over the periods where I lost my job. I own nothing. Everything is short term and temporary. Im still finding my way out of debt from my last job loss and my credit score is shot it was good until recent years.When I was younger I just assumed Id work till I got old and somehow everything would work out. I didnt realize that down the road Id be facing ageism, or that my energy would decrease so I would not be able to keep up with younger folk. I have almost no retirement savings, I dont understand investing at all, and I assume that because Im pretty ignorant that people will do their best to scam me and laugh about it later. People often tell me that Im stupid or are short with me when I ask questions, which is why I have avoided asking about this more when I was younger and I have a lot of resentment and anger. Now I just realize Im up shits creek and still know as little. So at this point it doesnt matter how much people tell me Im an idiot or put me down because I have nothing to lose, I am already in trouble. I figure better late than never to do something about it. I know at least I can pay it back by helping others not make the same mistakes.  <response>: There are a couple things on the siderbar you should probably check out. Also, Ive seen I Will Teach You To Be Rich recommended on here a couple times as well, and now its my turn. Its very basic and each chapter has a to do list of things to get your finances in order. Without knowing the specifics of your situation, all advice on rpersonalfinance breaks down to: set up an emergency fund usually what youd need to live for three months pay off all credit card debt since its a better return than investing contribute to your retirement account maximums invest anything left over in the marketThats very high level and may not apply to your situation. If you give us a bit more detail, we can probably give you more detailed advice. 