Ken and Daria Dolan, America's first family of personal finance, answer your questions every Friday.

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In a recent survey, more than 50% of Baby Boomers believe they haven't saved enough for retirement. The good news is it's never too late! Today The Dolans help a WalletPop reader figure out how to get her retirement planning on track.

Dear Ken and Daria,

I am 49 years old, married and have nothing saved for retirement. I am scared that we are going to be in bad financial shape in 10 years. How are we ever going to be able to retire?

-- Paula

For more retirement planning help, get a free copy of The Dolans' new Special Report "Rescue Your Retirement: 10 Simple Steps to Get Back on Track."