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) and uses the Roth conversion ladder to access growth tax-free. Lucas and Luna also compare the Solo 401(k) to other self-employed retirement accounts, like SEP IRAs and SIMPLE IRAs, and discuss when to choose one over the other. If you're self-employed or running a side business and want to retire early, this episode gives you a specific, actionable plan to make your Solo 401(k) work for financial independence. #Solo401k #MegaBackdoorRoth #EarlyRetirement #FinancialIndependence #FIRE #SelfEmployedRetirement #RothConversionLadder #SEPP #RetirementPlanning #TaxStrategy #FreelancerFinance #SoloBusinessOwner #RetirementAccounts #BusinessPodcast #FexingoBusiness #Finance #PersonalFinance #WealthBuilding Keep every episode free: buymeacoffee.com/fexingo