
Optimize your 401(k) for 2026: contribution limits up to $35,750 for ages 60-63, the mega backdoor Roth at $72,000, the Traditional-versus-Roth call, expense ratios, the new mandatory Roth catch-up for $150K+ earners, plus how to spot a bad plan and what to do at job changes. Built to add six figures to lifetime retirement savings.

A Solo 401(k) lets the self-employed contribute up to $72,000 in 2026 ($80,000 if you’re 50+, $83,250 if you’re 60-63), well past what SEP IRAs and SIMPLE IRAs allow. This guide covers eligibility, providers, setup, contribution strategy, mega backdoor Roth, and the SECURE 2.0 Roth catch-up rule with the sole-proprietor carve-out most coverage misses.
Sign up with your email address to receive our weekly news