https://www.daveramsey.com/blog/40-with-no-savings-retire-a-millionaire
https://twocents.lifehacker.com/what-to-do-when-you-re-40-and-have-nothing-saved-for-re-1665477939
https://www.datalounge.com/thread/9931534-i-have-absolutely-no-savings-or-retirement.
https://www.cnbc.com/2017/02/22/heres-how-much-money-you-should-have-saved-at-every-age.html