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Saving money for the golden years of your life begins at a young age and often with a retirement calculator 401k. After all, you’ll always wonder when to start saving for retirement, or perhaps: Am I saving enough for retirement?

But what if you do not have a full-time job or access to a 401(k) at work?

Only about 14 percent of employers today offer a 401(k) plan to their workers. That is a huge obstacle for many Americans who dream of saving for retirement.

Fortunately, there are many ways to save for retirement that don’t involve a 401(k). Here are some examples:

1. Individual Retirement Account

A Individual Retirement Account is one option that almost every saver should consider. Also known as an IRA, this retirement account comes in both a contribution tax benefit (Traditional IRA) or a distribution tax benefit (Roth IRA). You contribute up to $5,500 a year ($6,500 if you are over the age of 50).

2. Health Savings Account

Some people might argue that a Health Savings Account (HSA) is a better option than an IRA. After all, an HSA offers three tax benefits. To contribute to one, you need to be enrolled in a high deductible health care plan. Single people can contribute up to $3,450 per year and families can contribute $6,900 per year.

3. Solo 401(k) — Check With A Retirement Calculator 401k

No job? Then you can can still contribute to a solo 401(k) if you are self-employed. Even if you have a full time job, you might still be able to be eligible for a solo 401(k) if you do self-employed work on the side. There are two types of accounts here, and you can contribute anywhere from $18,000 to $54,000 a year depending on your age or plan. So get out a retirement calculator 401k to see how much you can save.

4. Simplified Employee Pension Individual Retirement Arrangement

The Simplified Employee Pension Individual Retirement Arrangement, or SEP-IRA, is a fantastic way to save for retirement for those who are working full time or own a business. These accounts are treated like a profit-sharing plan. There are also requirements, such as working for the employer for at least three of the last five years. The 2018 contribution limit is the lesser of either 25 percent of compensation, or $55,000.

5. Taxable Account

Whether you’re investing in stocks, bonds or alternatives, a taxable account is a fantastic way to go if you have extra money, a fully funded emergency savings account, and you’ve already exhausted your other retirement savings options. Although you will have to pay taxes on your profit, it will be worth it because your wealth will grow at a faster rate than inflation.