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You're never limited to only investing in a Roth IRA. There are many ways to save for retirement...

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.
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