<prompt> Human: Hello all! Thanks in advance for reading this and helping me out. To sum things up, my working situation may be one that changes every so often leaving me without the help and support of employer sponsored savings plan. I want to be able to stash more of my income away, but am really unsure on how to go about doing so. I know that there are programs such as the SEP-IRA which may not apply because Im no longer self employed and SOLO 401k which somewhat scared me because Ive read they can be quite confusing but was wondering if I had any other options available. If you guys have any insight on what I can do, I would be oh so appreciative! Thanks!  <response>: Roth and traditional IRAs. 