[header] How to save for retirement without a 401 (k ) [title] Determine when you want to retire. [step] How much money you will need to save depends on when you want to retire. Before you begin exploring retirement options, you need to understand how long you intend to be retired. 
For example, if you retire at the age of 65, you may need enough money saved to take care of you for another twenty years. Knowing when you want to retire will help you get a better idea of how much you will need to save.