My wife is accepting a new position at a small company which doesn't offer a 401(k) plan to its employees. Aside from maxing out her traditional IRA, is there any way to make up for the current tax advantages of a 401(k)? She's contributing 15k/yr into her current plan and adding that amount back into her income would have a negative impact on our taxes.
As a side note, I'm contracted as an agent for a 3PL company and have been thinking about incorporating and setting up a solo 401(k). Currently I just max out my IRA's and save the rest in a taxable account. Any advice is appreciated.
Rather go to bed without dinner than to rise in debt. - Benjamin Franklin