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Author: coachtom4 Two stars, 250 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 25483  
Subject: Re: AGI, Safe Harbor, and an IRA? Date: 1/29/2014 9:15 AM
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This is never as easy as it should be but I have a couple questions for you:

1) How old are you?
2) Are you married?
3) For employer 1 what is the match formula, assuming it is a match? You are giving away free money if you don't at least contribute what they match to, i.e. 4 or 5% of pay usually.
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.
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