Retirement and Investing
Solo 401(k), SEP IRA and Roth choices when no employer is matching your savings.
4 guides
Solo 401(k) vs SEP IRA: Which Is Better for Freelancers?
Compare the Solo 401(k) and SEP IRA on contribution limits, Roth options, deadlines and paperwork to pick the right plan for your freelance income.
Solo 401(k) Contribution Limits for 2026: How Much Can You Put In?
The 2026 Solo 401(k) limit is $72,000 plus catch-up contributions. See how the employee and employer parts work, with a worked example.
How to Save for Retirement as a Freelancer With No Employer Match
No employer plan? Follow a simple order of steps to save for retirement as a freelancer, from emergency fund to Solo 401(k) and IRA.
Roth vs Traditional Accounts When Your Income Is Irregular
Should a freelancer choose Roth or traditional retirement accounts? Use a simple rule based on your tax bracket and income swings.