中文翻譯：英文見貼最後的出處。
作為雇員，你可以把自己工資的100%，最多23K，存入SE 401K。
作為雇主，你可以把雇員工資的25%，作為雇主contribution，放入SE 401K。
那麽，假如你弄出來自己23K的SE income，100%投401K，那個是要交SE tax，但是不交收入稅，你在從存款裏麵拿出23K*0.25=5750作為雇主的contribution，那麽這一年，你和你老公可以各存28750，總共可以存57500進入401K。
這是大概的意思。具體你怎麽湊自己和老公的工資，你自己看。
https://www.irs.gov/retirement-plans/retirement-plans-for-self-employed-people
401(k) plan
- Make annual salary deferrals up to $23,000 in 2024 ($22,500 in 2023, $20,500 in 2022, $19,500 in 2021 and in 2020; $19,000 in 2019), plus an additional $7,500 in 2023 amd 2024 ($6,500 in 2022, in 2021 and in 2020 and $6,000 in 2015 - 2019) if you're 50 or older either on a pre-tax basis or as designated Roth contributions.
- Contribute up to an additional 25% of your net earnings from self-employment for total contributions of $69,000 for 2024 ($66,000 for 2023, $61,000 for 2022; $58,000 for 2021; $57,000 for 2020 and $56,000 for 2019), including salary deferrals.
