good evening, and thank you for taking my ?.  first off, my honey and i have terrible credit, from past marriages...i'm disabled and receive SSI, she work's as a salaried restaurant manager, too many hours, not enough benefits.  we have kids and extra kids (that we receive no support for)and one in college.  our total income is about $35,000, we rent, my check covers that, my honey covers everything else.  other expenses are car payment $350, cell phones $200, gas $200, electric $200, water & sewer $200, car insurance $100, kids school loan $100, satellite TV $80,  fuel $400, college kid's credit card $50, a horse $150 (don't ask) monthly.  my honey wonders why we don't have anything left, go figure, huh.  how can i get her to understand, we MUST start putting something together for her retirement?????i've tried showing her this list!!!!

thanks