I've been working for a long time at this point, and thankfully, I've made an effort to save for retirement throughout my career. When I was younger, I contributed to the 401(k) plan my employer sponsored at the time. I then switched over to an IRA when I became self-employed.

These days, I actually save for retirement in a solo 401(k), which is a 401(k) plan that self-employed individuals manage themselves. It offers higher contribution limits than the 401(k) plans you'll see offered at workplaces, which I like.

But I also recently started saving for retirement in a health savings account (HSA). And I sorely regret not doing so sooner.

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Source Fool.com