·mike
Solo 401(k) vs. SEP IRA: Which Saves the Self-Employed More Tax in 2026?
A freelancer earning $80,000 net self-employment income can shelter roughly $43,070 in a Solo 401(k) versus $18,570 in a SEP IRA in 2026 — the gap comes entirely from the $24,500 employee-deferral bucket that SEP IRAs don't offer.
self-employment
retirement-savings
ira
self-employment-tax
+3·mike
Solo 401(k) vs. SEP-IRA in 2026: Picking the Self-Employed Retirement Plan That Actually Shelters the Most Income
A 2026 comparison of solo 401(k) and SEP-IRA plans for the self-employed, with contribution math at $60K, $120K, and $300K of net income, SECURE 2.0 Roth catch-up and super catch-up rules, setup deadlines, and a decision framework for picking the plan that shelters the most income.
solo-401k
sep-ira
retirement-plans
retirement-savings
+4·mike
Your Complete Guide to IRA Contribution Deadlines: Don't Leave Money on the Table
Understanding IRA contribution deadlines is crucial for maximizing your retirement savings and tax benefits. Learn how to effectively navigate these timelines to secure your financial future.
ira
retirement-savings
tax-deductions
financial-planning
+1