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Caller: “I’m 51 and i am tired of working, I have no retirement. What should i do”? Dave: What do you make, and what’s your debt? Caller: $75,000 a year. $25,000 left on my mortgage, and $20,000 on a Harley-Davidson. Dave: Sell the bike. Today. That payment’s killing you. Any life insurance? Caller: Term life, $100 a month. No kids, no dependents though. Dave: Drop it! you don’t need it. Now download EveryDollar, budget every dollar, and find $2,000 a month to invest. Between the bike and the insurance, you’re most of the way there already. Caller: That still feels like a lot. Dave: You’ve got 10 years until 67. Invest consistently, your house gets paid off, and you’ll be secure Dave says he can still be a millionaire, there is more time.