Yes, You Can Have a Solo 401k and a Work 401k — Here’s How the Wealthy Stack Them



If you have a side hustle, you qualify for a solo 401k—even if you already have a 401k at your day job. And the contribution limits are huge. Under age 50, you can add another $23,000 into your solo 401k on top of your IRA. Over age 50, it’s $30,500. Combine that with a monthly Roth IRA contribution and a few extra clients or projects in your business, and in 15–20 years you could have over $1–2 million tax-free. This is the exact stacking strategy wealthy entrepreneurs use to build long-term retirement wealth fast.

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