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Updated almost 5 years ago, 02/28/2020
Gig economy retirement investing
I'm a W-2, gig economy worker in TV. I've been doing this about 15 years, I'm 40 years old. 90% of my income is W-2 the other 10% is 1099. I have been doing a Roth IRA for about 4 years and I opened a regular brokerage account as well. I make somewhere between 50-100K every year.
I'm worried that I'm not putting enough away for retirement. I did some research and I can't do a solo 401K or a SEP IRA because my income is W-2 and my employer's don't offer any kind of retirement plans. I also can't do a HSA because I have regular health insurance not a high deductible plan. I have all my retirement money in both IRA and brokerage in VTSAX, no bonds yet. It still feels lacking compared to other people my age, I'd like to diversify and also get outside of the stock market too (fundrise, roofstock, etc)
Do I have any other options for preparing myself for the future? I have money set aside for buying a house in the next couple years, otherwise no other financial plans other than trying to cover myself in 20 years when I'll retire.
Any advice, thanks!