Ken and Daria Dolan, America's first family of personal finance, answer your questions every Friday.

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Seventy-eight million American workers are not offered a retirement plan -- such as a 401(k) or pension plan -- at work. While having an employer sponsored plan is certainly a nice benefit, you have plenty of other options for saving for retirement. Today Ken and Daria walk you through your retirement plan options.

Dear Ken and Daria,

I have no retirement plan right now. The company I work for doesn't offer any kind of 401(k) or retirement plan. What are my options for a retirement plan and how do I get started? Thank you for your help!

-- Linda

For more retirement planning help, including how much you really need to save and retirement mistakes to avoid, visit Dolans.com.