Freelancers are responsible for their own retirement savings and don’t have access to employer-sponsored plans like traditional 401(k)s. However, there are several retirement savings options available for self-employed individuals, including traditional and Roth IRAs, Simplified Employee Pension (SEP) IRAs, and Solo 401(k)s. Each plan has its own contribution limits, eligibility requirements, and tax implications, so it’s important to research and choose the best option for your financial situation.