Self-employed workers and freelancers can contribute up to $69,000 to a Solo 401k in 2026—nearly 10x more than a regular IRA. This includes both "employee" and "employer" contributions you make to yourself. Here's how to set one up, which provider to choose, and how to maximize contributions.
Choosing between Roth and Traditional IRAs isn't about which is "better"—it's about tax arbitrage. For high earners, the decision hinges on whether your tax rate today is higher or lower than retirement. Here's the actual math with scenarios showing when each strategy wins, including the backdoor Roth wildcard.
High earners over $161K can't contribute directly to a Roth IRA—but the backdoor method lets you contribute $7,000 tax-free anyway. Learn the two-step process, avoid the pro-rata rule trap that costs thousands, and execute a clean conversion. Includes step-by-step guide with real examples from high earners.
