> If you are self employed and contracting If you are self employed, look into consulting with a tax lawyer first to properly form a business entity to take be

> If you are self employed and contracting If you are self employed, look into consulting with a tax lawyer first to properly form a business entity to take benefit of retirement saving programs, for example Solo 401k and/or business entity/"employer" contribution to "employee" retirement program. You can easily put away pretax significantly more amount than possible when you are working as employee for someone else. Then, look for brokers that will let you establish such retirement accounts at minimal cost and funds/ETF with low expense ratio. Depending on your income level, you can also look into brokers that allow alternative assets in to retirement accounts.