Since the first thread title was misleading.

So my wife recently quit her full-time job and started doing contract type work but is still a W-2 employee. I don't believe she's going to have the ability to contribute to a 401k. What options do we have?

I currently max out a roth 401k and max an HSA, and she is maxing a roth IRA. She was also contributing 15% to 401k. I know I can max out my roth IRA too but i'd like to see if there are any pre-tax vehicles and what else is out there as adding my IRA still won't cover what she was putting into the 401k.

Not sure I follow. Does she have some 1099 income and some W-2 income?

If so, any of the 1099 income can be invested in a SEP-IRA.

I would also push the HR dept of the W-2 income place to allow for the 401(k) contribution.

She does not have any 1099 income, but she still acts like a contractor in that about 5 different health facilities call her when needed and she can say no anytime she wants.

If its earned income, W-2, I would assume a traditional or her roth IRA depending on income.

She already maxes a Roth IRA so looking for something else to replace a 401k (unless we can get the employer to let her contribute as suggested)

Also check if the employer offers a simple-ira, since you are looking for tax deferred options.

canadianAg said:

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She already maxes a Roth IRA so looking for something else to replace a 401k (unless we can get the employer to let her contribute as suggested)

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If the employer doesn't offer any kind of retirement and you are maxing out IRA's and an HSA, there's not much else out there for tax-deferred retirement dollars unless you want to buy an annuity or a whole life policy.