I'm also self-employed right now and I must say that I haven't been able to set aside anything for my retirement when I became that. It's funny because when I was still employed I was able to set aside a percentage of my salary for savings aside from the deductions put to social security. I guess my change of status from single to married also became a factor. Now that I'm married I don't really have much control over money anymore. I always have to consult everything with my husband first. That's why I decided to find a decent business online so I could somehow make my own money and maybe save a portion for the future.