We're sunsetting PodQuest on 2025-07-28. Thank you for your support!
Export Podcast Subscriptions
cover of episode How to Save for Retirement If You're Self-Employed: No 401(k), No Problem

How to Save for Retirement If You're Self-Employed: No 401(k), No Problem

2025/4/14
logo of podcast Money Rehab with Nicole Lapin

Money Rehab with Nicole Lapin
AI Deep Dive AI Chapters Transcript
People
N
Nicole Lappin
一位致力于财务教育和媒体的专家，通过多种平台帮助人们提高财务素养。
S
Stephanie
无具体信息
Topics
Nicole Lappin: 在制定财务计划时，务必将未来的退休生活考虑在内，为未来的自己规划一个美好的退休生活。这对于自由职业者尤为重要，因为他们通常缺乏雇主提供的退休福利。我会指导你如何逆向工程你的退休目标，并选择合适的退休账户来实现目标。我会推荐一个合适的公司来帮助你开设这些账户。 首先，我们需要了解你目前的财务状况，包括你的年龄、理想的退休年龄、退休后的生活方式以及目前的月支出。我们需要根据这些信息来计算你所需的退休金总额。然后，我会教你如何使用复利计算器来模拟不同的投资方案，并根据你的投资能力和风险承受能力来调整你的投资策略。 我会向你解释传统IRA和Roth IRA的区别，并建议你可以同时拥有这两种类型的账户。此外，我还将介绍SEP IRA等其他类型的退休账户，以及它们各自的优缺点。我会帮助你根据你的具体情况选择最合适的账户类型。 最后，我会推荐一个可靠的平台来帮助你开设和管理你的退休账户，并提供一些额外的建议，例如如何控制你的支出，如何增加你的收入，以及如何平衡你的个人财务和子女教育的支出。 Stephanie: 我是一名影视剧制作人，自由职业者的身份让我缺乏公司提供的退休金计划，因此需要主动规划退休。自由职业者的收入不稳定，时而工作繁忙，时而无所事事，这让我对财务感到焦虑和压力。我理想中的退休生活是在靠近水源的花园里度过，希望能够在南加州买一套房子。我目前的月支出约为4250美元，但计划搬到一个更便宜更大的地方，从而降低支出。 我目前只有5000美元的退休储蓄，因为去年搬家导致财务状况紧张。我有一个传统IRA账户，但对投资方面了解不多。我希望能够在55岁或60岁退休，但这取决于我目前参与的一个为期三年的项目是否成功。 我母亲是一位会计师，她非常注重财务规划，而我的继父则花钱大手大脚。我既有母亲的节俭，也有父亲的冒险精神。我目前正在努力改善我的财务状况，并为退休储蓄做准备。通过你的指导，我希望能制定一个切实可行的退休储蓄计划，并最终实现我的退休梦想。

Deep Dive

Shownotes Transcript

Today’s caller is living the freelance dream—flexible schedule, creative freedom, but… zero employer retirement benefits. If you’re self-employed and wondering how the heck you’re supposed to save for retirement without a 401(k), this episode is for you. Nicole breaks down the best retirement accounts for freelancers, how to reverse-engineer your savings plan, and how to turn “irregular income” into “regular savings.” Because yes, you can have a dreamy retirement, even without a W-2.

To open your Traditional or Roth IRA today, go to public.com/moneyrehab)

*Paid endorsement for Open to the Public Investing, Inc., member FINRA & SIPC. This information is for educational purposes only and is not tax or investment advice. Consult your tax advisor for individual considerations. Visit the IRS website) for more information on the limitations and tax benefits of Traditional and Roth IRAs. All investing involves the risk of loss, including loss of principal.** Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, member FINRA & SIPC. *

*******Terms and Conditions)* apply. *

All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Brokerage services for alternative assets are offered by Dalmore Group, LLC, member FINRA & SIPC. Brokerage services for treasury accounts offering 6-month T-Bills are offered by Jiko Securities, Inc., member FINRA & SIPC. Banking services are offered by Jiko Bank, a division of Mid-Central National Bank. Securities investments: Not FDIC Insured; No Bank Guarantee; May Lose Value. See public.com/#disclosures-main for more information.

*APY as of 6/20/24, subject to change.