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Yes, but how many of those are tax advantaged? If one neither works for a company with a 401(k) or pension program nor is self employed and thus eligible for a SEP-IRA, there aren't many options. For the record I am an academic funded by a stipend from an agency of the Federal government; I am not considered an employee of my sponsoring institution, even though they voluntarily provide me with medical benefits.

Well, you can save for retirement in taxable accounts. That's how most folks did it before these new substitutes for pension plans got invented. Of course, if you're a typical academic living off a grant, being able to put money into a Roth is a pretty good achievement.

Have you talked with what I still like to call "Personnel" (I believe ours call themselves Human Resources). It's possible there's some angle. There may also be a way you can do an IRA and a Roth, but I'm probably wrong. I think some other folk here actually know something.
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