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.

每年總共有$81,250可以存進401K不用交稅，等用的時候拿出來時，根據當年的總收入算稅，拿出來多就多交，拿出來少就少交。

所有跟帖： 

• 謝謝信息，早幾年還會考慮，現在不想了，反正稅是跑不掉的，除非嗝屁了，先交幾交吧。 -老朽- ♂ (0 bytes) () 07/14/2025 postreply 01:06:59