So yeah, you receive a million $ cash inheritance, you never had a 401k, trad or Roth IRA prior, you now want to ER at 40 and you wonder if there are any ways to save on tax cost/tax deferred investment options w/o a job. Of course I would think placing a lot of it in low turnover, low cost index funds (VTSAX) would be a great start, what else can be done to have something similar to a 401k, Roth or Traditional IRA... Yeah, I know, get a job, but in lieu of that, what/are there tax advantaged investment vehicles for the above situation, similar to a 401k/Roth/trad IRA? Thanks.