Solo entrepreneurs contribute up to $69K/yr to a 401(k), converting after-tax portion to Roth for tax-free growth.
Solo 401(k) at a provider that allows AFTER-TAX contributions + in-plan Roth conversion (My Solo 401k, Nabers, Solera) enables: (1) $23K employee deferral 2024, (2) 25% employer profit share, (3) After-tax contributions filling to $69K total cap ($76.5K if 50+). After-tax portion converts to Roth same-day, growing tax-free forever. Requires self-employment income; solo entrepreneurs with no employees only. Massive vs standard Solo 401(k)'s $69K cap without Roth conversion.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Shelter $69K/yr and borrow up to $50K from yourself.
Invest retirement funds in real estate, private equity, notes.
Use 401(k)/IRA to fund a business — no tax, no loan.
Shelter $100K–$300K+/yr for high-earning owner-only businesses.
Get $46K+/yr into Roth despite income limits.
Pre-tax in, tax-free growth, tax-free out — the only triple-tax account.
Borrow up to $50k against your own retirement — pay yourself interest.
Triple tax-free vehicle — the best account in the code.