我有 full-time W2, 業餘時間做經濟有commission收入，可以開 SEP IRA 賬戶嗎？

讀fidelity 的文章

https://www.fidelity.com/viewpoints/personal-finance/tax-tips?ccsource=email_weekly_0323_1037579_35_0_CV2

文章說:

You can make contributions to traditional IRAs, Roth IRAs, and health savings accounts (HSAs) up until the federal tax-?ling deadline, Monday, April 18, 2023, for most 2022 returns. And if you are self-employed or freelance, you can open and contribute to a Simpli?ed Employee Pension plan—more commonly known as a SEP IRA—even if you also have a full-time job as an employee. Good to know: Beginning in tax year 2023, a self-employed, or solo, 401(k) also may be funded past December 31, until the business tax-filing deadline.

我似乎符合 even if you also have a full-time job as an employee 的條件，可以開個SEP IRA 賬戶，懂行的說說我的理解對嗎？ 有人做過類似的操作嗎？ 

多謝

所有跟帖： 

• as long as you paid self-employment tax. -不開竅- ♂ (0 bytes) () 03/23/2023 postreply 06:23:22

• 肯定交啊 broker 給你發1099-NEC 沒辦法不交啊錢 -佛州葛老- ♂ (0 bytes) () 03/23/2023 postreply 06:52:00

• 你符合。可以貢獻你這個net income 的 -如山- ♂ (157 bytes) () 03/23/2023 postreply 07:08:55

• 可以啊，可是你的commission有多少？ -檸檬椰子汁- ♂ (401 bytes) () 03/23/2023 postreply 07:09:40

• 謝謝， 為何和commission的大小有關？ -佛州葛老- ♂ (653 bytes) () 03/23/2023 postreply 07:21:06

• 我以為兩個賬戶用的是一個限製，現在看似乎是各自的限製。 -檸檬椰子汁- ♂ (264 bytes) () 03/23/2023 postreply 07:58:30

• 謝謝大俠當場辦公指導 -佛州葛老- ♂ (0 bytes) () 03/23/2023 postreply 11:29:38

• 現在開戶真方便，Fidelity 開戶到funding 賬戶5分鍾搞定 -佛州葛老- ♂ (0 bytes) () 03/23/2023 postreply 11:38:31

• 反正我差不多情況開了。但我不保證是對的???? -flyingbear06- ♀ (0 bytes) () 03/23/2023 postreply 14:18:00

• 謝謝，你的ID很好， 會飛的熊 飛熊 -佛州葛老- ♂ (0 bytes) () 03/23/2023 postreply 14:39:41

• 閣老謬讚了。 -flyingbear06- ♀ (0 bytes) () 03/23/2023 postreply 16:15:37

• 如果是經紀人，這個賬戶是必須broker（employer）給開，還是經紀人自己可以開？ -常來客- ♀ (0 bytes) () 03/23/2023 postreply 21:40:38