
Self-employed workers can contribute up to $70,000 ($73,500 if 50+) to a Solo 401(k) in 2025, far exceeding SEP IRA and SIMPLE IRA limits. This comprehensive guide covers eligibility, provider comparison, setup process, contribution strategies, and advanced tactics including mega backdoor Roth options within Solo 401(k) plans.

High earners can contribute an additional $46,500 to Roth accounts in 2025 through the mega backdoor Roth strategy. This comprehensive implementation guide provides step-by-step instructions, employer plan compatibility checks, provider-specific walkthroughs, and troubleshooting for every common mistake.
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