Apparently, those of us in the world of the self-employed are not saving our dough very well. We can barely agree to pay ourselves a salary, and if we do, anything left over goes straight back into the biz. "You have to spend money to make money," right?
Well, the flipside of this is that we all might be screwed come our 65th birthday. I'm guilty of this myself. I saved every little penny of my 15% allowable yearly contribution to my 401k at my last job, but since flying solo: nada, zip, zilch, nuttin.'
I guess we need to take on the concept that oprah likes to throw around a lot: if you are not taking care of yourself, you can't really take care of anyone else. So scrimp! Save! IRA it!