Alternatives for Those Without Retirement Plans

SmartMoney.com: "AS THE OWNER OF a private teaching business, Kathleen Theisen gives piano and voice lessons at students' homes in Greenwich, Conn. Business is thriving, but Theisen, who's 38 years old, is worried. She only began seriously saving for retirement three years ago. And thus far, her nest egg — a combination of IRAs and a 403b — has accumulated roughly $55,000. 'I feel way behind when I compare myself to my counterparts who have regular jobs,' she says. 'I have friends who have several hundreds of thousands of dollars.'"