Suze Orman frequently offers financial advice to those who write into her “Women & Money” podcast. Recently, 54-year-old Kim reached out about how to make the most of her $12,000 savings. Don’t Miss: The average American couple has saved this much money for retirement —How do you compare?Can you guess how many retire with a $5,000,000 nest egg? –How does it compare to the average?Kim disclosed that she doesn’t have any retirement plans or investment assets. The only money she has saved is that $12,000. Her employer offers a 401(k), but they don’t offer a match on it, so she hasn’t started it. …