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juggling two jobs. sometimes up to 11 hours a day. >> what did you think you would be doing at 66? >> oh, i would hope that i would be retired. >> reporter: what are you doing at 66? i'm working my butt off. >> reporter: no savings. no 401(k). not enough to cover an emergency. she sold her home and with two other women bought a smaller one, living together to save money. how has that been? >> it's been a matter of life and death. >> reporter: roughly half of all americans ages 55 to 66 have nothing saved for retirement. o'connor knew she would be in that group. adopting and raising three children as a single mom. >> i have a live for now philosophy, i guess. >> reporter: how is that serving you now? >> horrible. >> you can always improve your situation. >> reporter: for her and others without a nest egg it's not too