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Re: retirement planning...

Generally, if you moonlight, you can sock away up to 20% of your net moonlighting income into a SEP - even if you are already maxing out your employer sponsored 403(b) plan and 457 plans, and your IRAs.

There is a catch. You can only contribute to a SEP based on your net independent contractor income. So if you're being compensated as an employee, you can't contribute to a SEP IRA on that income.

It seems like you're doing a great job saving for your retirement. Keep up the good work!

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