For many workers (especially those that are self-employed) that do not have access to a 401(k) plan at their employer – IRAs (Individual Retirement Arrangements) are still a viable way to save for retirement. However – unlike the ease of payroll deduction at an employer that offers a retirement plan – those that are meet their own payroll must show more discipline in getting the funds from their «business checking account» to their own IRAs. (I am very familiar with this challenge.)
