Unlike employees who will receive pension benefits in old age, as freelancers we also want to be able to live a decent and prosperous life in old age where naturally our productivity levels have decreased. Freelancers also have to think about meeting current needs, while our income is uncertain, and as freelancers we also don't have bonuses or allowances. So that freelancers don't become pessimistic or worried about old age, how do freelancers prepare retirement funds?