[econophile]

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Isn't there a maximum you can put in a 401k?

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I believe this is only through work, and the max is around 15K per year. You could open an IRA, but the max yearly contribution is far less than you have.

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Can you defer taxes with IRAs? I guess I should talk to a pro, just sucks because I feel like I might get advice that is good for them and maybe not good for me?

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You seem to have a lot of basic finance questions. While ppl here can answer them, perhaps you would be better served by looking through a couple personal finace books first.