Self-employment offers flexibility but often results in inadequate retirement planning, particularly for women, who are the most underinsured demographic in this sector. Financial expert Margarethe Honisch highlights that many women neglect retirement savings due to daily pressures and lack of reminders. Without sufficient pension provisions, self-employed women face limited options in old age, including continued work, reliance on state benefits, or depletion of personal savings. To address this issue, various retirement strategies are available, such as voluntary contributions to statutory insurance, ETF savings plans, and Rürup pensions, each with distinct advantages and limitations.