I’m 45, self-employed, and don’t have access to a 401(k). I save $15,000/year, but not sure what to focus on. What’s the best strategy for an American without a workplace …

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Almost 35% of working-age Americans (ages 15 to 64) have a 401(k) or similar workplace retirement plan, according to the latest U.S. Census Bureau data. Another 18.2% have individual retirement …