05/15/2026
Here's a number that might surprise you: Only 40% of American workers have a retirement plan through their employer.
That means the majority of people are on their own when it comes to building retirement security — no automatic deduction, no employer match, no workplace plan to fall back on. If that's you, you're not stuck. You just need to know what options are available.
A self-directed IRA is one of them. It works the same as a traditional IRA in terms of tax advantages — but *you* open it, *you* fund it, and *you* decide how to invest it. No employer required. More people qualify than realize it. And getting started is simpler than most expect.