<prompt> Human: My wife is a post-doc who will soon be earning a paycheck through the University. 401k will not be available to her. Because shes been in school up to this point, she has not been able to contribute much to her retirement and wants to be aggressive about catching up.We understand that a Roth and traditional IRAs are both available to her, but wondering if theres anything else? What would you recommend to someone in her situation?  <response>: What would you recommend to someone in her situation?Publish as fast and as much as possible.That said, post-doc positions are not generally known for their generous benefits. There MAY be a 403b plan available, which are functionally the same as 401k. Check with HR, it will likely be referred to simply as the Blahblah University Voluntary Retirement Plan. 