There are special rules applicable to certain types of retirement accounts where successive transactions within a short period of time can be deemed a single transaction.  

Well after 90 mins of this is how you will be poor when you retire.

Many of my deals have been from a retired HML who seller financed .

A few are retired agents and I keep them updated with project photos so they can relive their "glory days" of gutting old houses and creating equity.There is a lot of talk on BP about how to raise private funds and the pros have it right:  the first deal is the hardest!  

@Jim JoplingTo learn more about the IRA prohibited transactions see the following. https://www.irs.gov/retirement-plans/plan-particip...

As a side note, one ofmy long range goals is to sell properties in my SOLO401K and SDIRA and pull those funds out in largish chunks (say to but a retirement home) that will cause high income for that year, and 'offset' that with new purchases outside of the Self Directed Accounts that I can use Cost Segregation on to have similar Passive Losses to offset that income coming out of the retirement accounts.Thanks, Dan Dietz

Both are in essence retirement plans with the same tax-favored status as your current county plan (likely a 457b), but are configured to be able to allow for investments beyond the stock market such as real estate, private lending, etc.It sounds like you may have the necessary self-employment to qualify for a Solo 401(k), which is a nicer overall retirement plan and has higher contribution limits than an IRA would. 

I have not extensive research, well the agent did some kind of money magic presentation, he was asking me to save 1k a month for 20 years ( some goes to premium and some goes to saving ), saying coverage is 1.3 million, the numbers comes of my retirement age which i told him at 52. 

I chose s-corp for the retirement plans available, anonymity, ease of bookkeeping, tracking  mileage, etc.

With an HSA and other retirement-related investments, I'll have the assets if I need them.