Hello Christina, well the good news is if your marriage was longer than 10 years you are entitled to 1/2 of your ex-spouse's social security benefits! It is important to consult with a specialist in divorce financial planning before, during and after divorce (a CDFA).. To answer your question properly, we need to consider: Do you have no retirement savings because of a settlement agreement? Are you certain you do not have a claim to jointly or your separately-funded retirement savings? Depending on your age there are certain catch-up additional contributions you can make depending on whether you are employed or self-employed.. Before considering how to save for retirement, do you have an Emergency Fund? If so, and you have discretionary income to invest you need to consider how many years you have available to invest before you want to retire, A good CDFA will review your entire financial picture with you - identify possible sources you are missing, like ex-spouse social security, and create a plan to ensure your current and future needs and goals are met.