Even if you are self-employed, you need a retirement plan. After all, even the self-employed want to stop working from home ALL the time, right? This translates directly into a need to plan for retirement. Even if you may feel that you have too much on your plate (what with being your own boss and then working yourself too hard), you still need to think about your future. Who knows where Social Security will be, and you can’t rely on the same employer-match 401(k) program offered by "The Man."

The good news is that there are options available when retirement planning, even if you are self-employed. Over the next few days we will look at the IRA (including Roth option), the SEP and the self-employed 401(k). But no matter which you choose, the important thing is to start today.

(Post by Miranda Marquit)