Hello and

welcome to the Money Girl Podcast, a show that gives you financial tips, advice and

inspiration to live rich and love the journey.

I'm Laura Adams, a personal finance expert and award-winning author based in Silicon

Valley.

I work as a speaker, spokesperson, writer, and consumer advocate to advance financial literacy.

You can learn a lot more about me at Laura D Adams.com.

A lot of people ask me for recommendations,

so when you're at the website website you'll see my tools page. I put

over 40 of my favorite tools, products and services on one page for you. They'll really help

you earn more, save more, and accomplish much more with your money,

so check it out. And you'll also find a list of all my books at LauraD Adams.com.

Today's show is for you if you're looking for ways to save for retirement, but you don't work

for a company that offers a 401k. You might be self-employed as a freelancer, independent contractor, or run a small business.

Or maybe you do have a day job with a 401k, but you also have a side hustle.

You might be growing a side business for extra money and financial security or with the idea that eventually you'll transition out of your day job and into being self-employed full time

Even if working for yourself is just a distant dream

right now, it's really important to understand that there are a variety of

retirement options for you. I don't want you to think that the only way to have a retirement

account is to be an employee at a big company. I received a question about this from a

money girl reader named Shauna, who is really worried about her future. She says,

I run a daycare from my home and only make enough to pay bills. I plan to continue my daycare

...