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Q: If I have a 401(k) account from a previous job but I haven’t found a new job yet, can I still add money to my account?

A: If you find yourself between jobs or if your employer doesn’t offer a 401(k) retirement account, you might be wondering, “Can I add more money to my 401(k)?” Unfortunately, 401(k) plans are sponsored by employers and must be done through payroll, which means you can’t add extra cash to your account unless it’s funneled from your paycheck.

However, you’re not out of luck when it comes to saving extra money for retirement planning.

Just because you can’t add more money to your 401(k) plan doesn’t mean you have to stop saving money toward retirement altogether.

Another alternative is IRAs. An individual retirement account is separate from your retirement account with your employer. You can manage your IRA portfolio using every investment tool available, unlike a 401(k) account which limits you to a select portfolio through your employer. However, IRAs do have a contribution limit of $5,500 a year. There are two different types of IRAs: A traditional IRA, for which contributions are tax-deductible, but withdrawals are taxed, and a Roth IRA, for which contributions are taxed, but growth and withdrawals are tax-free.

When it comes to retirement saving, start as early as possible, but know that it’s never too late to start.

A version of this article originally appeared on GoBankingRates.

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