How to Prepare for Retirement if Your Employer Doesn't Offer a 401(k)

A 401(k) is most people's first choice for a retirement savings account because they can automate their contributions, and their employer might chip in as well. But for millions of workers, this isn't an option. Approximately 46% of workers don't have access to work-related retirement benefits, according to a recent American Advisors Group (AAG) survey.

This doesn't prohibit them from saving for their futures, but it does make it a little more difficult, because they can't rely on any assistance from their employers. If you're one of the 46%, preparing for retirement requires a little more planning and work on your part. Here's a guide to get you started.

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Source Fool.com