postandcourier.com (29.09.2025) America is fast approaching a historic milestone. By 2027, freelancers will make up more than 50 percent of the workforce, marking a fundamental shift in the U.S. labor market. Yet many of these workers will have no retirement plan. According to the Pew Research Center, only 13 percent of single-person business owners are saving for retirement compared to almost three-fourths of Americans in traditional jobs. That leaves tens of millions of freelancers and independent workers at risk, just as other forms of retirement security begin to falter. Freelancers, contractors, creators and small-business owners are set to become the backbone of our economy. When they do, they’ll be working without a retirement system that supports their earnings. That’s a national crisis in the making.