<prompt> Human: Im in bed thinking, its pretty ridiculous that a persons retirement future can be based solely on where they work. I am an Attormey, but have only worked for smaller firms. No health insurance benefits, no 401k. Every year I max out my ROTH and put some money into my margin account. But I have friends who work for larger companies who besides for their ROTH, also get to max out a 401k with PRE-TAX money. So, is there really no options for me with pre-tax money or future untaxed money besides for my ROTH? 5,500 a year can only go so far. While 401k is 18,000! What kind of policy is that? Not exactly giving everyone their best shot at retirement.  <response>: are you self employed ?IF so why not do a solo 401k: 