Got a retirement savings plan at work? If you don't, you're not alone.
In fact, 4 in 10 people do not have access to a retirement plan at work, according to an analysis by the Pew Charitable Trusts. That translates to more than 30 million full-time, private-sector workers ages 18 to 64, the report found.
That's just one reason why more and more Americans are nearing retirement age with little or nothing in the way of savings for later in life. While confidence in a financially secure retirement has increased in recent years, as of 2015, only 22 percent were highly confident they will have enough money to last.
The good news is that workplace plans are not the only way to save for your retirement. President Barack Obama included proposals to increase access to retirement savings plans in his budget, using state-based retirement plans and more.
Even apart from those proposals, you have several ways you can save outside of a workplace plan.