thinking about going to a Roth IRA when I quit my current job, and rollover my 401k into an IRA. It is only viable if you open an account when you are young, and also expect to be in a higher tax bracket when you retire (which I do….which may be a pipedream if the recent economical developments are any sign for the future). However, I’ve been having little side projects to bring in income for the past year or two, but never went to the bother and expense of getting a small business registered, as I don’t make very much. However, I just discovered the sep ira savings instrument, which looks like a good option to compare to the Roth.