<<<f I am self-employed, yet I dont have any employees, can I still open up a SEP or Simple IRA? I have my own business but no employees.>>>Yes, you can. I think you would do better with SEP-IRA in your case but do read up on the differences.If you don't have enough money now to fund your SEP-IRA, you can file for an automatic extension and fund the account by August 15. For traditional or ROTH IRA you will have to fund it by April 16.Vlad
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