Almost half of working Americans do not have a 401(k) available to them. This should not stop you from saving for your retirement. If you don’t – then who will? There are other options for retirement savings.

Traditional or Roth IRA:
If neither you nor your spouse has a corporate retirement plan, you can take advantage of a fully deductible Traditional IRA by depositing up to $5,500, or if you are over age 50, $6,500.
SEP IRA:
If you are self-employed, you can contribute up 25% of your net earnings or $53,000, whichever is less in 2015.
Solo 401(k):
If you are self-employed with no full time employees, you can contribute $18,000 or $24,000 if you are over age 50. Your spouse can also make a contribution if employed in your business.

No one is going to take care of your retirement for you. You owe it to yourself to make sure your retirement is everything you wish it to be.

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