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How to Fund Early Retirement With a Solo 401k
Episode 87 of The Financial Freedom Podcast. Lucas and Luna explore how early retirees can use a Solo 401(k) to accelerate savings, reduce taxes, and access retirement funds before age 59½. They break down the mechanics of the Solo 401(k) — including the mega backdoor Roth strategy that allows contributions of up to $69,000 per year in 2026 — and explain how the Substantially Equal Periodic Payments (SEPP) exception lets you withdraw penalty-free in your 40s. The episode walks through a concrete example of a freelance graphic designer earning $120,000 per year who maxes out her Solo 401(k)…
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