Starting to save for retirement early is crucial. A 401(k) funded through payroll deductions can make saving seamless. Many companies offer a 401(k) match, providing free money for retirement. If a 401(k) isn’t an option, IRAs and HSAs offer alternative ways to build a nest egg in 2026.

IRAs allow anyone with earned income to contribute and offer more investment choices than 401(k)s. They have lower contribution limits, but you can hold individual stocks. HSAs, though not traditional retirement accounts, can double as one. Contributions, gains, and withdrawals are tax-free for qualifying healthcare expenses.

Taxable brokerage accounts can be useful after maxing out IRAs and HSAs for retirement savings. They have no restrictions on contributions or withdrawals. A taxable brokerage account can be beneficial for early retirement planning due to the absence of penalties for withdrawals before age 59 and 1/2.

If you don’t have access to a 401(k) in 2026, maximizing IRAs, HSAs, and taxable brokerage accounts can help meet savings goals. Little-known Social Security secrets could also boost retirement income. Learning to maximize Social Security benefits can provide peace of mind in retirement planning.

Read more at Yahoo Finance: Don’t Have a 401(k)? Here Are 3 Other Retirement Savings Options You Can Look At in 2026.