Retirement saving begins with understanding account types: 401(k) plans have contribution limits of $23,500 in 2025 and $24,500 in 2026, offering tax advantages and employer matches. Traditional IRAs allow tax-deductible contributions up to $7,000/$7,500, while Roth IRAs provide tax-free growth. Recommended savings rate is 10–15% of income, prioritizing employer match, then IRA max, then 401(k) extra. Target-date funds suit hands-off investors. Self-employed can use SEP-IRA, SIMPLE IRA, or solo 401(k) with higher limits. Starting early is crucial for compounding growth.