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4) Any chance you could negotiate with either of these employers to be considered "self employed" They would pay you 1099 income instead of W2 income which would broaden your retirement plan options immensely. It would also make certain items you "normally" pay for tax deductible through your own business if you want to go down this road.

Just keep in mind with the above circumstance I believe you are responsible for both the employer AND the employee portions for FICA, Medicare, etc.

But I think there are probably ways/allowances to offset/receive credit for the employer side of things. I'm not sure how that all works but just be aware of it. And as mentioned, you'll have other deductions allowed being self employed.
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