An Individual 401(k), also known as a Solo 401(k) or a Self-
An Individual 401(k), also known as a Solo 401(k) or a Self-Employed 401(k), is a retirement savings plan designed for self-employed individuals and small business owners with no employees other than themselves or their spouse.
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The total combined contributions (employee + employer) for 2025 cannot exceed $70,000. This limit increases to $77,500 if you're aged 50 or over, including catch-up contributions, and up to $81,250 for those aged 60-63, according to Fidelity.
3
那时候存入算可以的。 现在税率下来了。
长期投资有3.8%给Medicare的附加税， 所以也不见得就有多好。
如果是LLC，可以存Individual 401K，401K可以加倍存（自己那份加LLC match那份），避税，取的时候才交。
能存满了增值的没税不挺好的
An Individual 401(k), also known as a Solo 401(k) or a Self-Employed 401(k), is a retirement savings plan designed for self-employed individuals and small business owners with no employees other than themselves or their spouse.
...
The total combined contributions (employee + employer) for 2025 cannot exceed $70,000. This limit increases to $77,500 if you're aged 50 or over, including catch-up contributions, and up to $81,250 for those aged 60-63, according to Fidelity.每年总共有$81,250可以存进401K不用交税，等用的时候拿出来时，根据当年的总收入算税，拿出来多就多交，拿出来少就少交。