Jocelyn Baun, 33

Freelancer

As a freelancer, Jocelyn Baun, 33, of Brooklyn, N.Y., doesn't have the luxury of a 401(k) with an employer match. She runs the computers and other gear on sophisticated photo shoots. Still, she's determined to sock away money. She has a traditional IRA with UBS containing diversified mutual funds; a Roth IRA with T. Rowe Price that's invested in the Retirement 2040 Fund; and a Simplified Employee Pension (SEP) IRA with TD Waterhouse that's in a money-market account. At a minimum she puts $100 a week into the retirement target fund. Her 37-year-old husband, a freelance journalist, doesn't have any retirement accounts, so all of the couple's saving goes through her. Putting in extra money during the bust was tough, she says. "I kind of backed off on it even though I knew I should be contributing the same percentage every month. Psychologically I couldn't get past it." With the market off its lows, she's more confident and is upping the share of her portfolio that's in stocks. (It's about 75% now.) Says Baun: "I have a long timeline and things are still cheap."