We are 38 and 42

I am a SAHM and DH is self-employed. We have been on Baby Step #2 for 19 months. I believe that Maurice talks about retirement should only be stopped for 18 months. Is that right? Or was it 18-24 months? I can wait another 6 months to start, but I’m not sure we will be debt free by then. And we certainly won’t have a 3 month FFEF done by then.

I feel like time is slipping away in our retirement account. We aren’t getting any younger and we only have $30,000 in our retirement accounts.

Should we start contributing a little bit every month to our retirement account even though we aren’t done with our debt snowball?