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Are you age 50 or older? Are you self employed? If either of those is the case, are you taking advantage of maximum opportunities to both save money for retirement and save on your income tax bill? 

If you’re over 50, you can do the catch-up contribution. You can put an extra $6,000 a year into a qualified retirement plan and an extra $1,000 into an IRA.

If you are self-employed, you can put up to $61,000 of income (if you qualify) into a solo 401k. It is better than a SEP IRA for most self-employed individuals. You can put more money in more quickly and you can go up to a higher number. 

Make sure in your retirement plan, you are saving as much money as you can and saving as much tax money as you can.