I work at a job that I really really like. One of the few downsides is that there is no such thing as a 401(k) and I know there won’t be ever. So as a 30-year-old, I have a Roth IRA set up for retirement. And all the articles say “Contribute to your 401(k)!” but what if that is not an option? Should I have a traditional IRA as well? Should I invest in a jar to stuff my money into? — K.K.