A common piece of advice is to start saving for retirement early and do it through your employer plan, like a 401(k) plan or similar. Employer-sponsored plans are tax-advantaged and the employer typically matches at least a portion of your contribution. The common advice is great advice if you work for a company that offers such a plan. But what if you are self-employed or work for a company that does not offer a retirement plan? What can you do then? 

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