Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How a Solo 401k Supercharges Early Retirement Savings
Lucas and Luna explore how early retirees and aspiring early retirees can use a Solo 401(k) to supercharge tax-advantaged savings beyond the typical 401(k) limit. They walk through the mechanics of the 'employee plus employer' contribution structure, showing how a side hustle or self-employment income can allow someone to stash away up to $69,000 in 2025—and how that number jumps to $76,500 if you're over 50. Lucas explains the after-tax (Roth) option and the mega backdoor Roth conversion strategy, while Luna questions whether the complexity is worth it for someone with modest…
The skinny
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