<prompt> Human: Extra info. Me:34 single, no kids or debt. 55kyear. Renter, and not looking to buy. Just saving money. Have around 130k in current 401k.  <response>: Are you an independent contractor or W2 employee at your new job? If you are a contractor you can set up a solo 401k. A W2 job that pays 55k but offers no 401k at all sounds very strange to me and Id suggest checking again. 