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Here's howI'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 6 of the easiest ways you can catch up (and fast)You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s howNow, the Florida mortgage costs her $4,000 a month, rental income of $2,700 doesn't cover it and the property remains in negative equity.Originally from Florida, Sarah knew she eventually wanted to return to be near her aging parents.She says she "freaked out because of the housing situation.” With prices going up, she worried that if she waited too long she'd get priced out of the market. So, she went ahead and bought the second property.Shop Top Mortgage RatesUnable to rent it out for more than a year, Sarah finally has tenants, but their rent falls $1,300 short of her monthly mortgage payment. She's spent approximately $23,000 in closing costs and $50,000 more trying to sustain the property.Despite having $50,000 in savings and a strong take-home pay of $8,600 a month, she simply can't afford to live this way anymore.Ramsey and cohost Jade Warshaw strongly recommended that Sarah sell the property.“You have a problem here that is not going to get better … If you have to write a $10,000 check to get rid of your mistake, do it,” Ramsey asserted.The pair recommended immediate action, first by quickly listing the home. Ramsey warned she'd pay some "stupid tax" for her mistake, but she needed to take a short-term loss to stop the financial crisis."You're going to get some of your money back, but you're not going to get all your money back," he said.Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do itSarah’s reluctance to sell stems from the sunk-cost fallacy: the belief of having invested too much to walk away. 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