Retirement saving when nobody matches you
Chapter 1 of 5
The idea
Freelancers often save for retirement at half the rate of employees. Not because they earn less — because nothing's automatic.
Make it automatic
Open a personal retirement account and set a monthly or percentage-of-income transfer. Most countries still give tax relief on contributions, so each $80 you put in might become $100 or more. Aim for 12–15% of profit including any relief.
Predict first
Employees often get an employer contribution of around 3–5%. What do the self-employed get by default?
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