Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Use a Solo 401k for Self-Employment Income
Many early retirees pursue side hustles, consulting, or freelance work to stay engaged and pad their income. But if you've left your W-2 job, how do you handle retirement savings for that self-employment money? Lucas and Luna dig into the Solo 401k — the high-limit, flexible retirement account that early retirees can use even after 'retirement.' They walk through contribution mechanics: employee deferrals up to $23,000 in 2026 plus employer profit-sharing up to 25% of net earnings, for a combined total as high as $69,000. They compare it to SEP IRAs and discuss the Roth option…
The skinny
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