Retirement plans for the unemployed, underemployed and self-employed

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If you've lost your job--and its 401(k) plan--you may be tempted to put your retirement contributions on hold. Don't.

Stop saving for even a few months and it can be tough to get back into the habit, and it can be even tougher to make up for the lost contributions. "Even when you get a new job, it's easy to tell yourself you can't afford to contribute right away, or to contribute much, and then you'll really fall behind," says certified financial planner Annie McQuilken, founder of Kintyre Financial Advisors in Lexington, Mass.

Roth Ira on Shine

Retirement plans for the unemployed, underemployed and self-employed