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I am currently looking at a new job where I will be considered a contract employee, so there will be no benefits and no retirement plans. At my current job, I can contribute tax-free money to our 403b (about $5200 per year) and I also put $2000 into a Roth IRA. My concern with taking this new job is that there does not seem to be many tax-free investment options for retirement if you don't work for a company that provides a 401k or 403b. That just doesn't seem fair. I want to put more away each year than just $2000 into an IRA.

Any help on what some of my options are would be greatly appreciated.

Jen
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