A recent Fidelity Investments survey revealed about 10% of employers have suspended their company's 401(k) match, or at least plan to.<br />If you've lost your match, it's likely to be a year or more until it comes back.<br />But according to Business Insider, that's not to say you shouldn't keep saving — you might just change how you're doing it.<br />If you're no longer getting the match and want more flexibility, look into putting more savings towards an IRA first.<br />IRAs have more flexibility, more investment types to choose from, and the cost might be lower.<br />A Roth IRA could also be a great idea if you're eligible. You pay taxes on them now, instead of later, when you retire. Handy!<br />Singles earning under $139,000, or couples earning under $206,000 can contribute up to $6,000 to a Roth in 2020 — $7,000 if they're age 50 or older.
