New job, no 401k, already doing ROTH IRA, any other options?

With a high-deductible health plan (HDHP) you can open a health savings account (HSA). You can use the funds in an HSA for qualified medical expenses and you have the option of investing the funds in the HSA. You can withdraw all of the funds at 65, or early at a penalty. So, it works very similarly to a traditional IRA. Unfortunately, they're only available to people with HDHPs.

I have great insurance through my wife, so an HSA wouldn't be applicable to me.

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Quote from Serus : I have great insurance through my wife, so an HSA wouldn't be applicable to me.

You still may want to look into an HSA as the advantages (portability, investment opportunities, tax savings, etc.) can outweigh employer-provided health insurance in more ways than just the monthly premium.

Also, you can do both a Roth and traditional IRA, but the combined maximum for both cannot exceed the annual contribution limit which, in your case, would be $5,000 per year (unless you're 50 years old or older) - and $5,500 for tax year 2013. So, even though you could, it wouldn't help your situation unless you were willing to forgo the Roth in exchange for up front tax savings with a traditional IRA.

See this IRS publication [irs.gov] regarding the allowance of both a Roth and traditional IRA as well as their combined contribution limits.

You do realize that you won't be able to touch that money or it's gains (unless for big ticket spending like a house) until you are around 62 year's old right?

This is what i call a Shackle to your Financial Slavery. You work and your money goes away, thus you keep working now, for a "promise" of a much better life when your old and going to die.

Why not retire extremely young with a taxable account?

By watching and reducing how much money you spend on things you don't really need, and by focusing on increasing your income in the present; you can actually save 50-75% of your paychecks, invest now in many ways to get some decent returns, and when your money is making enough money for you...

You can retire extremely young. When i mention the word "retire", i don't mean you won't be doing nothing. You can always find thousands of things to do that are free or cheap to entertain you, or volunteer to save lives or teach others, or build businesses if that's what you want to do.

It's more about not having to work a job you dislike, or like but dislike occasionally when told to do something.

Quote from ViciousTide : You do realize that you won't be able to touch that money or it's gains (unless for big ticket spending like a house) until you are around 62 year's old right?

Actually, I can touch that money and it's gains. I can pay a 10% penalty. I can retire from the position that I contributed to the 401k by age 55 and I can withdraw then without a penalty. I can also at any time withdraw using a 72(t) distribution without a penalty.

Even with a 10% penalty, if you aren't working, and you have no other taxable income, you will be paying so little in taxes it's still likely worthwhile.

And yeah, I understand the whole idea of living inexpensively, which I currently do, while still owning a home. I also don't have a problem with paying taxes, I just want to make sure I'm taking advantage of every tax savings idea available. We live well below our means and save the majority of our income. Unfortunately, with the 401k going away, I was hoping for an alternative pre-tax retirement option. It doesn't look like there is one though.

Just head to vegas and throw it down on black. As long as you only play it once your chances are almost 50/50. Just dont land on those 0's.