<prompt> Human: I got laid off about a month ago. Been interviewing and one of the offers that I got has been amazing. Ive literally just tripled my income from my previous job. After talking with a friend, he told me that I can no longer use a Roth IRA account and the company doesnt do 401k matching.Whats my best way to save for retirement now? Index funds and save 2 years so I dont get hit with capital gains tax?  <response>: How big of a company is this? I would ask about them setting up a Simple IRA plan for its employees. Virtually no cost to employer 25 annual fee per fund option for companies with less then 100 employees. This would allow you to contribute 12.5k pre-tax annually. 