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united-states solo-401k

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June 9, 2025 Score: 1 Rep: 11 Quality: Low Completeness: 10%

My understanding is that as long as you had self-employment income in that year, then yes, you can. Nothing is stopping you from having a 401k at a regular W2 employer and running a business on the side, and then maxing out a solo 401k on top of the employer-based 401k. The only thing that matters is the formula for calculating how much you can contribute to a solo 401 (k) based on that year's self-employment income.