re: Retirement Plan Options in addition to Roth IRA

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I think you can contribute to a conventional IRA AND a ROTH if you don't have a retirement account option at work? You may want to check on that.

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I will check, thanks. I'm basically a full time employed freelancer. The company that hires me pays another staffing/recruitment company. This staffing/recruitment company has an option for a 401(K) but they only added it the last few months and there is 0 matching. While the max would certainly be a lot higher (14k right?) I don't know if this would be better or not. I guess I could just roll it over if I ever leave this company.

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Do you have college loans, a car loan or mortgage? Paying them down is not sexy, but it's a guaranteed return, even if the interest is tax-deductible.

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yup (just student loan), but not much, 11k which is down to <7k now. Been paying much more than the monthly note the last year, paying down the principal. I plan to have it cut in half AT LEAST, by the end of the year.

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Otherwise, a stock fund fund held outside of a retirement account. Index funds have an advantage here. Because they don't buy and sell stocks as much as active funds, they don't trigger as much capital gains.

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will look into these too, thanks. Like I said a post above, I was just reading about them this weekend, and apparently I just never heard of them. It was actually in that kindle book that was posted on here.