I am self employed but do not really have a retirement plan. Part of the reason is that I have figured how to generate the extra coin even in old age. Life is dynamic and we have no choice but to conform to its dynamism. That said and done, I will nevertheless commence building a war chest for retirement though to me, retirement when you are self employed is a paradox. My retirement plan is basically commercialising the things I do effortlessly, even for free. These are hobbies and talents.