Though you can make a living (and possibly even a good one) in the gig economy, this kind of work does leave gig workers vulnerable in one very important way: retirement planning. Without the backing of an employer-sponsored retirement account, many gig workers are not saving enough for their golden years. Here are five things you can do to save for retirement as a member of the gig economy. So any retirement savings should start with a look at what you already have in the accounts in your name. Any gig workers who often receive cash can also make their own rules about the cash they receive.