@SeaVik
If you are a W-2 employee, then your options are limited. You can contribute to a Roth IRA, with a maximum of $6000 per year, or $7000 if you are over age 50, being aware of the income limit.
https://www.irs.gov/retirement-plans/amount-of-roth-ira-contributions-that-you-can-make-for-2021
A Roth IRA is not an immediate tax deduction, but it may have significant long-term advantages.
You can also make a non-deductible contribution to a traditional IRA, and then roll it over to a Roth IRA. This is called a “back door conversion”, but it is an advanced maneuver and I don’t want to even try to explain the complexities. As long as your income is within the limit to make Roth IRA contributions, that would be the way to go in my opinion.
Your Roth IRA is separate from the 401(k), and contributions to one do not affect the limit of contributions to the other.
