how does one continue to build for their retirement You can save for retirement in ordinary taxable accounts. Really. It's OK.The tax shelter of IRA and 401k accounts merely plays a bit of tax rate arbitrage between now and the future. You are not going to make or break a retirement by choosing the right (or wrong) kind of account for your retirement savings. The only guarantee is that if you don't save money for retirement, you won't have any money for retirement.--Peter
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