 then you could just use an IRA and you have access to $7,000. Good luck with that. And it's hard to build wealth, even if you want to save, especially tax efficiently, if you're limited to that small of an amount. Here's how you fix it. Everybody has, instead of a 401k with a company, everybody has individual 401k accounts that you open up online and you do not have to be self-employed to get it.