It depends in part on how large your severance pay was. But since you had "earned income" in 2008 and were ineligible to contribute to a workplace retirement plan, you should be able to contribute money either to a roth IRA or a traditional IRA. But beware that you cannot contribute more than what you received in severance pay and that there are income limits (so if your severance pay was quite large, you may not qualify to make contributions to one or both type of IRAs).
46 years old, single, no kids. Exited the job market in 2010 (age 36). Have lived solely off my investments since 2015 (age 41). No pensions.
Current AA: real estate 64% / equities 10% / fixed income 16% / cash 10%