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It wasn t until she went through a divorce that she realized she hadn t been saving enough for her retirement. As a single mother with two children under the age of 10, plus a mortgage, she now had more financial responsibilities on a single income. 
Her fears prompted her to take inventory of her retirement funds. At the age of 37, she assumed that her years of contributions would have gotten her close to building a comfortable financial future. But contributing the minimum had not been enough.
Upon recognizing that, Simmons was able to get herself on track and within a matter of four years, she managed to accumulate $750,000 between savings and investments, according to financial records viewed by Insider.  ....

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