『How Your 401k Plan Is Changing for Gig Workers』のカバーアート

How Your 401k Plan Is Changing for Gig Workers

How Your 401k Plan Is Changing for Gig Workers

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As of September 2026, the Department of Labor’s new rule on portable retirement benefits is reshaping how independent contractors and gig workers approach long-term savings. This episode explores the practical mechanics of one-person 401k plans, the specific tax advantages over traditional IRAs, and the hidden friction points that still trip up solo entrepreneurs. We break down contribution limits for self-employed individuals, the difference between SIMPLE and SEP plans, and why portability matters more than ever in a shifting labor market. Lucas walks through the math of employer versus employee contributions for sole proprietors, while Luna examines the behavioral side: how to stay disciplined when you are both the boss and the employee. If you work for yourself or mix W-2 and 1099 income, this episode gives you the concrete steps to optimize your retirement strategy without getting lost in regulatory jargon. #OnePerson401k #SoloEntrepreneurRetirement #GigEconomyFinance #SelfEmployedTaxStrategy #PortableRetirementPlans #DepartmentOfLaborRules #SEPvsSIMPLE401k #SoleProprietorInvesting #FexingoBusiness #BusinessPodcast #PersonalFinanceTips #RetirementPlanning2026 #IndependentContractorBenefits #TaxAdvantagedAccounts #SmallBusinessOwnerAdvice #FinancialFreedomJourney #RetirementSavingsStrategies #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo
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