Retirement planning is typically framed around full-time employment. 401(k)s or pension plans are attractive benefits for people in the corporate world. Those people can open their monthly statements and watch their retirement accounts grow steadily over time.

But for the 16.8 million people in the U.S. who are self-employed (myself included), retirement planning looks different. Over the past two years, 1.4 million people have turned to self-employment. Whether that’s due to layoffs, voluntary quitting, or other reasons, the number is steadily increasing—and there aren’t a lot of resources available for people trying to figure out retirement planning on their own.

While retirement is not something self-employed people can ignore, the whole concept of ending work on a certain date and dr

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