Maxed out roth IRA, Now what?

[Sean Apple]

I typically max out my Roth ira and am looking for additional retirement investment.  I receive a w-2 and 10-99's at the end of the year.I am trying to figure out how I can stock pile cash that can grow tax free AND be used as collateral to purchase more Real Estate. 

Does anyone know how this can be achieved? 

Is there another rout you would reccomend?

[Brian Eastman]

@Sean Apple

Your 1099 income may allow you to qualify for a Solo 401(k).  Only income from the 1099 source (not the W-2) can be used to make new contributions to the plan, with a maximum at $53K - of which you can elect to make $18K Roth.

You cannot use retirement plans as collateral for your own personal real estate purchases.  When getting a loan, you can show the value of your retirement plans to illustrate overall personal worth, but IRS rules do not allow you to pledge you retirement plan as any kind of guarantee.

With a self-directed Solo 401(k), the plan itself could invest in real estate, with the returns going back into the plan.