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I have $80,000 in a 401(k) at my current job and $5,000 in savings,” she said. “That’s it. I rent my apartment.”



















                                             Question 4: What Are Your Liabilities?





               “I have $10,000 in credit card debt and growing, I’m sure,” she said.


























                                                    Question 5: What Else?





               “That’s it, really.”
                  “Any IRAs?”
                  “Who?”
                  She was serious. I shook my head and went to my sixth question.

                                                Question 6: What Do You Want?
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