If you are solo or part of a small firm, how much thought have you given to retirement? My wife and I started meeting with our financial advisor long before I went out on my own, and that’s the main reason we even have a retirement plan apart from what she would get from her employer by default.
It’s hard to think about socking money away (and how much do you need to save, anyway?) when you are struggling just to keep the lights on, but you need to. The longer you wait, the harder it is to catch up. Selling your firm is one plan, but putting all your eggs in that basket is mighty risky.