Retirement savings for W-2 contractors?

["Guy K. Haas" <guy -at- hiskeyboard -dot- com>]

Until this year, I've been a staff employee--first as programmer, then as TW. 
I've been putting pretax $$ into 401(k)s for years, with or without employer 
contributions.

Now, I find myself contracting through an agency and getting a W-2.

I understand that someone who DOES qualify for and use a retirement plan in a 
staff position can ALSO have an IRA for self-employment income, but I suspect 
that this W-2 modality does not count as self-employment.

What can the sages of Techwr-L advise me (us all) about the most effective legal 
way to squirrel money away for retirement in the case of W-2, particularly if it 
turns out that I go back to a staff position during the same calendar year and 
resume the use of the 401(k) mechanism?

Thanks!

--
Guy K. Haas
guy -at- hiskeyboard -dot- com | gkhaas -at- usa -dot- net
   http://swexegete.typepad.com/GuysBlog
Software Exegete in Silicon Valley


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