My husband and I are both 40. We have 2 children, one in 3rd grade and one in 9th grade. When I try to talk about planning for retirement, my husband says he doesn't want to retire, that he wants to work until he dies. Having witnessed my parents' emotionally and physically miserable retirement, I too want to die on the job. However, I do not believe that "work until you die" is actually a feasible or adequate plan.
My company puts away a little into a 401k for me. I'm going to add my max contribution to the 401k from my salary starting this month. My husband's company is too small (<10 people) to provide a 401k or any other retirement planning.
Our debt consists of our house and one car which we bought just last year. We are paying more than the minimum payment on both of these debts. We carry no credit card debt, paying them off in full each month.
Given my husband's unwillingness to even consider retirement, what conservative, simple, non-threatening financial baby steps would you recommend I suggest to my husband as a way to prepare for the inevitable?
For example, we currently pay ~$500/month for after school care for our younger child. We also spend another ~$3k for her summer care. This expenditure will end in 2.5 years or so. I want to convince him to divert that money somewhere safe for the future instead of just spending it, but don't know what to suggest or where to begin.