While you don't get a 401k match as a freelancer or contractor, ideally you can get hourly rates to make up some of the difference. The rest can come from regis

While you don't get a 401k match as a freelancer or contractor, ideally you can get hourly rates to make up some of the difference. The rest can come from registering as a company, setting up a solo 401(k) - in the U.S. anyway - and then putting up to ~$54,000 of your income into a retirement fund pre-tax. That's a pretty significant potential tax savings.