When you’re living paycheck to paycheck, adding to your retirement fund (or even having one at all) can be next to impossible.
Such was the case for Michelle Boyle, a single mother of two. As her children grew up and started getting ready to move out and attend college, she realized that she had no plan for her retirement. After getting divorced twice and subsequently losing both of her houses, Boyle fell on hard times. Money was tight and she couldn’t afford to put any away for herself.