TODAY Money expert Alexa von Tobel joined us for a live Web chat Wednesday morning after the show's Money 911 segment.

Here’s one of her answers to questions from the live chat. See below for the full Q&A and video of the Money 911 segment.

Shirley asked:

"Good Morning, I'm 47, with a 15yr old daughter and have lost everything with that I mean I have no savings, some debt, no child support, nothing for retirement. I’m a currently unemployed with small amount coming from unemployment but on the hunt. How can I start over and what would be my best option. I hear about Roth IRA but I have no clue what it is or where to get one. Please advise me how best to plan for a brighter future Thank you."

Alexa von Tobel replied:

"Hi Shirley! It sounds like the best thing for you to focus on is finding a new job that will pay the bills. I want you diligently hunting for a full-time or 2 part time jobs that can help you bring in more money. That's the most important thing you can do right now."

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