401(k) alternative, for short (3)

I believe the answer is:

ira

(Other definitions for ira that I've seen before include "Brother of George Gershwin" , "George 13 down's brother" , "Illegal organisation, initially" , "Gershwin, say" , "nationalists" .)

I've seen this clue in The Washington Post, The New York Times and the L.A. Times Daily.

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