Why are you saying this? The employee can make up to $18,000 in contributions to a 401k, and still max out their IRA (Roth or conventional). You're not maxing o

Why are you saying this? The employee can make up to $18,000 in contributions to a 401k, and still max out their IRA (Roth or conventional). You're not maxing out your retirement savings options if you're refusing to participate in a 401k. For those who are self employed should look into SEP and SIMPLE IRAs, in addition to making the max contribution to a Roth IRA and HSA. For those over 50, many offer additional catch up contribution limits, which raise the max contribution you can make each year.