Don't Have a 401(k)? Here Are 3 Other Retirement Savings Options You Can Look At in 2026.

Group 1 - The importance of starting retirement savings early is emphasized, particularly through 401(k) plans which facilitate automatic contributions via payroll deductions [1] - Many companies provide a 401(k) match, offering additional funds for retirement savings, but not all employers may offer this benefit in the future [2] - Alternatives to 401(k) plans include IRAs, which allow for a wider range of investment choices and have a maximum contribution limit of $7,500 for those under 50, and $8,600 for those 50 and older [3][4] Group 2 - HSAs are highlighted as a flexible savings option that provides tax benefits and can serve as a retirement savings plan, although they are not strictly retirement accounts [5][6] - Contributions to HSAs are tax-free, and funds can be used for qualifying healthcare expenses, making them a valuable tool for managing medical costs in retirement [7][8]