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Best New Ideas in Money: Don’t have a 401(k)? State governments have a retirement plan for you

Luke Huffstutter, owner of Annastasia Salon in Portland, Ore., said a wry joke runs through the hair-salon business in the U.S.: “When was the last retirement party you attended?”

The answer is never. That’s because stylists tend to work for small businesses, most of which don’t offer retirement-savings plans. Thus, stylists don’t retire.

But failing to save for retirement isn’t funny, and even if Huffstutter’s team stays in his employ for decades, his salon workers, like all Americans, will need money when they stop working.

“We have a responsibility to prepare them for after-work,” he said.

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