If an employer doesn't offer a 401(k) or employee stock purchase plan, retirement savers can contribute to an IRA or Roth IRA on their own through almost any bank, brokerage or credit union.Dear Liz: After nine months of unemployment I finally landed a new job, but at half my former $100,000 salary. In this economy I was happy to get it. I always contributed the maximum to my 401(k) and employee stock purchase plan, but my new company does not offer either of these options. I made it through my period of unemployment on severance, savings and belt tightening.
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