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, loan provisions, and what happens when your side gig doesn't generate much profit yet. A practical episode for anyone living off investments but earning a little on the side. #Solo401k #EarlyRetirement #SelfEmployment #SideHustle #RetirementSavings #Solo401kContributionLimits #ProfitSharing #RothSolo401k #SEPIRA #FIRE #FinancialIndependence #FreelanceRetirement #ConsultingIncome #BusinessFinance #LucasAndLuna #FexingoBusiness #BusinessPodcast #Finance Keep every episode free: buymeacoffee.com/fexingo