Should I consider SEP IRA? For this year, I will have W2 income and about 20k from a 1099 (contractor). One of my W2 jobs is put into a 403(a) with 7% matching. I plan to also contribute the max to my Roth IRA. From what I understand, I may be able to contribute $4k to a SEP IRA. However, I have several concerns. I don’t really have expenses from this self-employment. A…

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