
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.

Mega backdoor Roth lets high earners route up to $47,500 into Roth accounts in 2026. Step-by-step on eligibility, employer plan compatibility, conversion mechanics, and the SECURE 2.0 rules now phasing in.
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