I think that the holidays feel like frozen noses. I love walking with the dog for long periods of time.

Hopefully it's snowing and you've got to wrap up warm. So I think a frozen nose is

then sweaty armpits because like you're wrapped up so warm but then you're climbing hamps

and heath and you get to the top and you're like and then you can see the breath

but then your nose is still freezing to touch.

Joy in every sip with red cups now back at Starbucks.

It's my pleasure to welcome you to the Clark Howard Show where our mission is to serve you

and empower you so you make better financial decisions in your life.

In this episode so many of us are working for ourselves now or we're doing side jobs.

What's called side hustles these days. So what becomes hard when you're your own boss

is saving any money for the future. I want to talk about strategies on that.

And later I had a simple tip for you to make your car maintenance a whole lot cheaper.

So saving for retirement is something that is a tale of two cities essentially because

those who work for a large employer roughly half a people in the country have easy access

to a retirement planet work. Usually hopefully a low cost one.

Federal workers have access to the incredible TSP.

Normal earthlings have access to low cost 401k's hopefully again at any large employer.

So heavily dominating the 401k space now. Fidelity investments in Vanguard both offering

very low cost 401k plans. But what about you and me who do our own thing.

Let's say you're a one person entity. It's just you. How do you say? Well for you

there are two things I've talked about through the years. And one is the CEP.

SEP. SEP. Simplified employee pension. And the CEP is unbelievably flexible for you as an ultra simple

...