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Hi TMFPixy, HessDK,

Thanks for your replies. I'm going to recommend the SEPIRA, which allows a self-employed can put in 13.04% of net income, and do a 2,000 contribution per year to a Roth. I've done the math longhand so that she can see what she'll get each year, to age 70.5, through compounded interest at a rate of 10%, which I hope to get through a no-load Index mutual fund. I think she'll live a long and healthy life, and be working after age 70. I don't want her to blindly accept my direction, but to understand it and be empowered.

In her frustration over money, she would say things like I'll just have to keep working till I die. She's been relying on a lawyer friend to do her taxes, but I hope to convince her to get an accountant.

Next step is to find out her Social security information.

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