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.
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.