DEAR ABBY: I am a 29-year-old female. I'm not married and have no kids. I've been dating a man who is 14 years older for two years now. He has no children.
We have talked about marriage and having children, but recently I found out he has no retirement savings. This scares me because I'm thinking about the future. If something were to happen to him and we were married, I'd be stuck with his debt.
I am at a loss. I don't want to be the snobby woman who kicks him when he's down and leaves him, but at the same time, I don't understand why he hasn't planned for retirement. Am I wrong for thinking this way? -- CONTEMPLATING MY FUTURE IN SANTA ROSA, CALIF.
DEAR CONTEMPLATING: If you don't understand your boyfriend's thinking on the subject of financial planning, continue discussing it with him until you do. He may not realize how important it is to plan, invest and save for the future. Many people older than he is are now having a rude awakening about how long they will need to continue working until they have enough of a nest egg to retire. In many cases, it takes the effort of both spouses to accomplish it -- if they can retire at all.
Please don't call yourself names. I wouldn't accuse you of being a "snob" because you're thinking rationally on the subject of finances. I call that being sensible.