Whether you're just starting out, or you've focused more on getting ahead in your career than selecting a mate, being single grants you the sole responsibility for charting your financial course.

Even without dependents, there are some important steps to take to protect your income and assets. Here are a few ways you can start building a solid financial foundation:

• Set aside an emergency fund
• Secure good credit
• Insure against an illness or disability
• Build wealth
• Plan for the long-term

Disability Income Insurance
As the primary bread winner, your ability to earn income is your most valuable asset. Whether it is driving to work or during a ski vacation, injuries and illness pose a threat to your financial security.

Don't assume your employer's plan will cover you completely. Additional long- or short-term protection may be needed. Try our "Is There a Gap in Your Disability Plan?" calculator.

Retirement Savings
Don't procrastinate saving for retirement — compound interest is a good reason to start growing your nest egg now. There are many different ways to secure your retirement funds, including 401(k) accounts, Roth IRAs and other investments.