中文翻译：英文见贴最后的出处。
作为雇员，你可以把自己工资的100%，最多23K，存入SE 401K。
作为雇主，你可以把雇员工资的25%，作为雇主contribution，放入SE 401K。
那么，假如你弄出来自己23K的SE income，100%投401K，那个是要交SE tax，但是不交收入税，你在从存款里面拿出23K*0.25=5750作为雇主的contribution，那么这一年，你和你老公可以各存28750，总共可以存57500进入401K。
这是大概的意思。具体你怎么凑自己和老公的工资，你自己看。
https://www.irs.gov/retirement-plans/retirement-plans-for-self-employed-people
401(k) plan
- Make annual salary deferrals up to $23,000 in 2024 ($22,500 in 2023, $20,500 in 2022, $19,500 in 2021 and in 2020; $19,000 in 2019), plus an additional $7,500 in 2023 amd 2024 ($6,500 in 2022, in 2021 and in 2020 and $6,000 in 2015 - 2019) if you're 50 or older either on a pre-tax basis or as designated Roth contributions.
- Contribute up to an additional 25% of your net earnings from self-employment for total contributions of $69,000 for 2024 ($66,000 for 2023, $61,000 for 2022; $58,000 for 2021; $57,000 for 2020 and $56,000 for 2019), including salary deferrals.
