I visited a CPA who told me that since I am self employed, working from home, I can have a SEP IRA in addition to my traditional and Roth IRAs. I am not a business owner, I do independent contract work a business, for which I am paid every time I turn in the work.
I read online that I need an EIN number to set it up, which I do not have. Has anyone else here set up a SEP IRA and used your social security instead of an EIN number?