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The gig economy has left millions without employer-backed long-term savings plans, but new tools and strategies are helping independent workers build financial security on their own terms.

The gig economy has transformed how millions of Americans earn a living, but it’s also created a retirement planning challenge that’s especially impacting older workers. Without access to employer-sponsored 401(k)s, matching contributions, or traditional pension plans, gig workers may struggle to build financial security for their later years. A 2023 study by the National Bureau of Economic…