Money Moves you can make if you are self-employed, have no savings, and no retirement.

Create a budget: The first step is to create a budget so you can track your income and expenses. This will help you see where your money is going and identify areas where you can cut back.

Set aside money for taxes: As a self-employed individual, you are responsible for paying your own taxes. It is important to set aside money each month so that you have enough to cover your tax liability when it comes due.

Contribute to a retirement savings plan: If you are self-employed, you may be eligible to contribute to a solo 401(k) or a SEP IRA. These plans offer tax advantages that can help you save for retirement.

Get health insurance: As a self-employed individual, you are not eligible for employer-sponsored health insurance. It is important to get health insurance so that you are protected in case of an illness or injury.

Invest in yourself: In addition to saving for retirement and health insurance, it is also important to invest in yourself. This could mean taking courses to improve your skills, networking with other professionals, or starting your own business.

Here are some additional tips for making money moves if you are self-employed, have no savings, and no retirement:

Set realistic goals: When you are first starting out, it is important to set realistic goals for yourself. Don't try to save too much money too quickly, or you may get discouraged and give up.

Be patient: It takes time to save money and build a retirement nest egg. Don't expect to see results overnight.

Get help if you need it: If you are struggling to make money moves on your own, don't be afraid to get help from a financial advisor. They can help you create a plan that fits your individual needs.