<prompt> Human: Im 42 and I run my own business. My personal income in 2014 was 108,000. Im married. Ive never been very good or careful with money but Im trying to get my act together now. I have no debt other than a car payment of 353mo, which I have about 18 months left on, but I also have no savings of any kind. Effective immediately, I should be able to save 2-3K each month. I have no idea what Im doing but would like to start to save for retirement. I understand that in a Roth IRA, theres a 5500 limit on contributions per year - it seems like Im going to hit that pretty quickly. Where is the best place to put my money after that? Being self-employed, I dont have any options offered by an employer - Im not sure what makes sense for me. Thanks in advance for any advice - theres just SO MUCH I dont know, but Im trying to learn.  <response>: Youre starting late but not too late. My Dad started when he was 40 and he retired just fine. I see someone already showed you the self employed IRA. Thats a great program. Also realize your business is also a savings provided you could sell it if you wanted to. Once you max out your IRA Id look into other investment options both for you and your business. 