<prompt> Human: My husband 39 and I 38 have basically no retirement fund. We are basically following the Dave Ramsey plan. We have a small emergency fund, we are paying off our credit card debt, have about 21k left and are estimating it will all be paid off in about 9-12 months. The only debt we will have left at that point is our house and our studen loans. My work offers a 401k which I only put 30 so like 3 per pay period biweekly in and husband puts some in his 403b, I think he does 3.5 biweekly, so about 130 maybe. My question is, after our debt is paid off, ad we save up our 6 months of living expenses we estimate that will take another 9 months or so to save up after our debt is paid off what should we do to maximize our chances of having a good retirement fund set up? I do have an IRA in my bank that was a rollover from when I left an old job, but I have never put anything in it at all. Our dream is to retire by the time we are 65 and we would love to have 1 million to retire on. Is that even possible at this point? Any advice? Thanks and let me know if you need any more information to help you out.  <response>: Make sure the money in your IRA is _invested_ and not just sitting there. Most of the time when you open an IRA, the money you put in is just invested into a core position, which is a fancy very very low interest-yielding savings account inside your IRA. Invest it into some index funds, ETFs, etc. see the wiki for investing guidelines to make sure that money is working for you. If your IRA provider doesnt offer good low-cost funds, consider switching to Fidelity, Vanguard, or Schwab the trifecta thats most recommended here on rpersonalfinance.In terms of contributing more, Id do what utrebl4 suggested. Make sure youre contributing into your 401ks enough to get any and all employer matching, as not doing so is leaving money on the table for your retirement and youre behind as it is. Then aggressively pay down your CC debt, and once thats done SAVE SAVE SAVE into your IRAs and 401ks. 