[JBlue42]

Yes, that's what I did after leaving my last job and read up more on IRAs. For retirement savings, the plan is for index funds. I was more annoyed by the max on IRAs since a lot of the companies I've worked for have either not offered 401ks or just had poor options.

This Bogleheads post had some good replies about why this is the way it is in terms of contribution max:

https://www.bogleheads.org/forum/viewtopic.php?t=115303

It is what it is and, until I find something decently high-paying, doesn't really matter in the short run.