AARP: Nearly half of U.S. private-sector workers have no retirement account. Build your nest egg before it's too late

According to AARP (2), roughly 56 million private-sector workers have employers that don't offer a retirement savings plan. Many Americans don't have access to an employer-sponsored retirement plan like a 401(k). Twenty-one states have enacted programs that automatically enroll eligible workers into state-facilitated IRAs if their employer doesn't offer a retirement plan. Even if your employer doesn't offer a retirement plan, you can create a similar habit on your own. Consider adding another layer of diversificationBuilding a retirement portfolio isn't just about how much you invest.