The U.S. Department of the Treasury offers a retirement savings option called myRA.

There’s no minimum to open the account, you can contribute what you can afford, and you can withdraw funds with ease. Visit www.myra.gov to learn more.

Perhaps your employer chips in a little. An employer-sponsored retirement plan or 401(k) can be a useful way to set aside funds for retirement, especially if your employer offers matching funds on what you invest. If you don’t work for an employer that offers this type of plan, there are many other plans designed to help you save for retirement.

From solo 401(k)s to traditional and Roth IRAs, there are programs designed to fit a multitude of budgets. The earlier you start to save, the more funds you’ll have ready for retirement.

And, as always, there is Social Security, which is funded by taxes you pay while you work.

To get estimates of future benefits and check your earnings record for accuracy, you can create a my Social Security account at www.socialsecurity.gov/myaccount.

This column was prepared by the Social Security Administration. For answers to specific questions, contact Social Security at 800-772-1213 or visit www.socialsecurity.gov.