<prompt> Human: The title explains. My current job does not have IRAs or 401k and I am looking to put money back for retirement. Discover has options but Im open for more suggestions and personal experiences saving for retirement without going through an employer.  <response>: CDs are yielding less than one percent right now. As a young person who has many working years ahead of you, this would be one of your worst options. Open an IRA at your bank and invest in a stock index fund. Vanguard offers simple and inexpensive target date funds for retirement. 