conversation: User (soninlaw6): "First off, I’d like to thank everyone who is willing to help me get my retirement savings on track. I just feel like I am way over my head. \n\nI have a rollover IRA that I’ve been contributing max every year. However the $5,500/yr limit is just too small for my future retirement needs (I don’t understand why the limit is to low). According to the hellomoney.co [projection of my current IRA + taxable allocation](http://hellomoney.co/portfolio/2c45b2-31yo-freelancer), I will only have $555K at age 61 assuming 5% annual returns.\n\n* My age: 31\n* Income: Irregular $60-110/yr\n* Account type: IRA, taxable\n* Debt: None\n\nWhat should my next step be? Is [SEP-IRA](https://www.irs.gov/Retirement-Plans/Retirement-Plans-for-Self-Employed-People) the best solution for me?"
  User (soninlaw6): "Also, if anyone’s done SEP-IRA here, I am curious if I can roll combine it with my existing rollover IRA."
  RagnarKon (RagnarKon): "[BEHOLD, THE ALMIGHTLY ROLLOVER CHART.](https://www.irs.gov/pub/irs-tege/rollover_chart.pdf)\n\nSometimes, the IRS can be extremely helpful in providing information in ways that aren't massively confusing.  But only sometimes..."
  