If certain rumors about the future of Social Security are to be believed, the following is indeed a public service message and important not only to writers but to everybody out there who, you know, makes a buck or two on their own:
by Dan Rafter
It’s not easy saving for retirement when you work a full-time job that provides a steady income every month. But if you work as a freelancer, small business owner or independent contractor? Saving enough for retirement can be even more challenging because your income can vary so much each month.