Seasonally employed workers, the self-employed and other employees without a regular paycheck may find it difficult to save for retirement. Although it sounds more difficult, it involves the same process that those with a steady income use: determine how much of your income you need to save for retirement and set that aside. Ten percent is still 10 percent, regardless of how many checks you receive a year.


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Watch: Retirement savings without a regular paycheck
Savings is savings, regardless of how many paychecks you receive in a year.