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I am a new independent optometrist working at a Wal-Mart Vision Center. I have no employees, so I jsut take home cash each night. (I have had to secure my own liability, disability, and health insurance, etc. and obviously don't have a 401k to contribute to.) I am about to pay off my school credit card debit and am anxious to get going on socking away for retirement.

Does anyone have advice for me? I am looking for information on SEP-IRAs and whatever other tax-saving vehicles are available to me as a sole-proprietor with no employees. (For example, can I contribute to a Roth-IRA, even though I'm self employed or am I limited to the SEP-IRA?) Are there any good books out there, or should I just talk to an accountant? Any thoughts? Thanks,

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