"SEP" or "SIMPLE" savings plan (3)

I believe the answer is:

ira

(Other definitions for ira that I've seen before include "Gershwin, say" , "Illegal organisation, in short" , "George 13 down's brother" , "George Gershwin's older brother, the lyricist" , "Songwriter George's elder brother" .)

I've seen this clue in the USA Today.

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