<prompt> Human: What are some ways that a couple in their 50s can do to prepare for retirement, or if retirement is not a realistic option, what can they do at least save as much as possible? Here are the stats:1. In their mid to late 50s 2. Combined income is 100k3. Company does not offer 401k or similar retirement vehiclesObviously, a lot of time has been lost, so the expectations are low. What investment tools, besides a savings account, would you recommend for their situation? Im not sure a back story is necessary for this post, so I wont volunteer it. But if anyone needs a little more information to further assess the question or to clarify it, just let me know.Thanks everyone!  <response>: Its hardimpossible to give meaningful guidance here because there is almost no real information in the post. Do they have any assets? Home equity? Do they qualify for Social Security? Do they have any whole life plans? What does their monthly budget look like? When are they looking to retire? Do they have long term medical expenses? 