When I worked as a W-2 employee of a temporary help agency, I had to get my own health insurance (the agency didn't offer a plan).

@Dave Foster Thank you for the clarification.

I would rather open a 401k because I believe that there is less of a limit on the amount one is allowed to contribute.Im trying to find a way around this - maybe employee leasing?

I won't have any office or employees.

I am currently a full-time student & employee (both in IT Security).

For example, a 40-year-old employee in the 24 percent tax bracket who changes jobs with a $5,000 loan balance and doesn't pay it back by tax time will owe $1,200 for income tax on the distribution plus a $500 early withdrawal penalty.Changing jobs makes the loan become due.

The husband worked for my husband’s company and my husband’s boss recommended him (without knowing anymore than we did) and 3 months later the boss fired him after realizing he’s not a good employee and we’re evicting him after realizing he’s not a good tenant.

One thing is that in my area the minimum wage is $11.50  an hour (12$ for 26 employees or more).

@Jacob MallisonI’m a Realtor in NJ for 9 years- Being that we’re 1099 employees you can contribute into a SEP IRA which is 20% of your income which is the deducted from your yearly taxable income.

Some markets will do well, with new corporations bringing in jobs and prosperity, other areas will be losing jobs and part of their rental market with it...Texas for instance, a ton of people from California have moved to Texas for Work and just a better overall standard of living, People are moving their Company's from California to Texas and taking their Employees with them,  this creates a great market in Texas but Leaves a Void in Certain areas of California, Like the Rural area I live in,  Many people from this area, have packed up and left, now we have empty houses and no one to fill them, at least for the meantime...