[mooreds]

Both Roth and SEP are great ways to save for retirement and they are not mutually exclusive.

SEP IRAs let you save a huge amount of money (last I checked, a few years ago, it was up to 50k, or 25% of your income, whichever was less) tax free. But you pay taxes when you pull the money out in retirement.

Roth IRAs let you pay taxes now, and then pull money out tax free in retirement (and you can pull out contributions in the meantime if you need).

So, you can hedge your tax exposure in retirement by contributing to both types.

(I am not an accountant or CPA, just a bit of a finance nerd.)