When you worked for someone else, retirement savings may have been almost automatic — a percentage pulled from your paycheck, maybe an employer match, a decision you made once during onboarding and mostly forgot about. When you work for yourself, nobody sets that up for you. Nobody matches your contribution. If it’s going to happen, you’re the one who has to build it. I bring this up because it’s easy to postpone indefinitely — not because it’s not important, but because ther
