Our experts answer readers' investing questions and write unbiased product reviews (here's how we assess investing products). Paid non-client promotion: In some cases, we receive a commission from our partners. Our opinions are always our own.

Mallika Mitra sitting on a bench outside.
The author, Mallika Mitra.

Ditching my traditional 9-to-5 job for freelancing came with a myriad of worries, including losing health insurance and a stable paycheck. But despite only being 28 years old, my retirement plans were among my top concerns.