How do you save for retirement if you don't have a lot of money and your employer doesn't offer a retirement plan like a 401(k)? Today's guest, Richard Ludlow, is the Executive Director of the myRA program within the U.S. Department of Treasury and he's here to share more about the program and how it can serve millions of Americans. myRA is a relatively new retirement savings account from the U.S. Department of Treasury that has no fees, no minimum contributions and aims to lower barriers to saving for workers with no access to a workplace retirement plan. Richard has experience as a founder and executive in Silicon Valley where he managed the launch and growth of new initiatives in both the education and healthcare sectors. He's a graduate of Yale University and the Harvard Business School.   For more information visit www.somoneypodcast.com.