Ask Dr. Job’s chief contributor, Sandra Pesmen, is a member of the Chicago Journalism Hall of Fame and author of “DR. JOB’s Complete Career Guide.”

Winner of several journalism awards, Pesmen is a graduate of the University of Illinois Media College at Urbana, and is listed in several Who’s Who editions. She also has been Corporate Features Editor of Crain Communications Inc., founding Features Editor of Crain’s Chicago Business and a reporter/features writer for The Chicago Daily News.

For information on partnering with, please contact us.

Never Too Late To Save

I've always had a paycheck and now that I'm in my 40s, and living from one week to the next, I know I should be saving for my retirement. It seems as though all my money is gone by the time the next payday rolls around. Is there any hope?

Ans. There's hope but you probably can't do it alone. Check with friends, your accountant and your attorney to find a financial manager that can be trusted (and careful) with your money. Kim Snider's new book,  "How To Be The Family CFO" (Greenleaf Book Group Press $ 19.95) puts forth four steps: plan prudently, save prodigiously, invest wisely and learn to manage risk. It's too hard for most of us, but professionals can show you how to do that. And it isn't a choice for you. It's a necessity.



Reader Questions Community Colleges

To Tell or Not To Tell