There's nothing stopping you from having both at the same time, with the caveat that your contributions to the IRA may not be deductible if you earn over a cert

There's nothing stopping you from having both at the same time, with the caveat that your contributions to the IRA may not be deductible if you earn over a certain threshold.[1] [1] https://www.nerdwallet.com/article/investing/can-i-have-a-401k-and-an-ira#:~:text=401(k)%3A%20You%20can,into%20each%20type%20of%20plan https://www.nerdwallet.com/article/investing/can-i-have-a-40....