Is a sep ira for freelancers better than a solo 401k if my husband and I both have side hustles alongside our main jobs and want to maximize our household tax write-offs?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is a sep ira for freelancers better than a solo 401k if my husband and I both have side hustles alongside our main jobs and want to maximize our household tax write-offs?
3 real searches · 1 real-search pass
IRS 2026 401(k) contribution limits elective deferral limit 2026 SEP IRA contribution limitGoogle ↗
OBSERVED
IRS one-participant 401k spouse employee business owner controlled group multiple businesses elective deferrals aggregate limit SEP IRA 2026Google ↗
OBSERVED
IRS Publication 560 2025 solo 401k SEP IRA self-employed compensation contribution calculation W-2 elective deferralsGoogle ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
IRS 2026 401(k) contribution limits elective deferral limit 2026 SEP IRA contribution limit Google ↗
IRS one-participant 401k spouse employee business owner controlled group multiple businesses elective deferrals aggregate limit SEP IRA 2026 Google ↗
IRS Publication 560 2025 solo 401k SEP IRA self-employed compensation contribution calculation W-2 elective deferrals Google ↗
- COLA increases for dollar limitations on benefits and contributions · irs.gov
- Retirement topics - 401(k) and profit-sharing plan contribution limits · irs.gov
- One Participant 401k Plans · irs.gov
- Publication 560 (2025), Retirement Plans for Small Business · irs.gov
- Self-employed individuals: Calculating your own retirement plan contribution and deduction · irs.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 2026 401(k) contribution limits elective deferral limit 2026 SEP IRA contribution limit OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
IRS one-participant 401k spouse employee business owner controlled group multiple businesses elective deferrals aggregate limit SEP IRA 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
IRS Publication 560 2025 solo 401k SEP IRA self-employed compensation contribution calculation W-2 elective deferrals OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |