我有 full-time W2, 业余时间做经济有commission收入，可以开 SEP IRA 账户吗？

读fidelity 的文章

https://www.fidelity.com/viewpoints/personal-finance/tax-tips?ccsource=email_weekly_0323_1037579_35_0_CV2

文章说:

You can make contributions to traditional IRAs, Roth IRAs, and health savings accounts (HSAs) up until the federal tax-?ling deadline, Monday, April 18, 2023, for most 2022 returns. And if you are self-employed or freelance, you can open and contribute to a Simpli?ed Employee Pension plan—more commonly known as a SEP IRA—even if you also have a full-time job as an employee. Good to know: Beginning in tax year 2023, a self-employed, or solo, 401(k) also may be funded past December 31, until the business tax-filing deadline.

我似乎符合 even if you also have a full-time job as an employee 的条件，可以开个SEP IRA 账户，懂行的说说我的理解对吗？ 有人做过类似的操作吗？ 

多谢

所有跟帖： 

• as long as you paid self-employment tax. -不开窍- ♂ (0 bytes) () 03/23/2023 postreply 06:23:22

• 肯定交啊 broker 给你发1099-NEC 没办法不交啊钱 -佛州葛老- ♂ (0 bytes) () 03/23/2023 postreply 06:52:00

• 你符合。可以贡献你这个net income 的 -如山- ♂ (157 bytes) () 03/23/2023 postreply 07:08:55

• 可以啊，可是你的commission有多少？ -柠檬椰子汁- ♂ (401 bytes) () 03/23/2023 postreply 07:09:40

• 谢谢， 为何和commission的大小有关？ -佛州葛老- ♂ (653 bytes) () 03/23/2023 postreply 07:21:06

• 我以为两个账户用的是一个限制，现在看似乎是各自的限制。 -柠檬椰子汁- ♂ (264 bytes) () 03/23/2023 postreply 07:58:30

• 谢谢大侠当场办公指导 -佛州葛老- ♂ (0 bytes) () 03/23/2023 postreply 11:29:38

• 现在开户真方便，Fidelity 开户到funding 账户5分钟搞定 -佛州葛老- ♂ (0 bytes) () 03/23/2023 postreply 11:38:31

• 反正我差不多情况开了。但我不保证是对的???? -flyingbear06- ♀ (0 bytes) () 03/23/2023 postreply 14:18:00

• 谢谢，你的ID很好， 会飞的熊 飞熊 -佛州葛老- ♂ (0 bytes) () 03/23/2023 postreply 14:39:41

• 阁老谬赞了。 -flyingbear06- ♀ (0 bytes) () 03/23/2023 postreply 16:15:37

• 如果是经纪人，这个账户是必须broker（employer）给开，还是经纪人自己可以开？ -常来客- ♀ (0 bytes) () 03/23/2023 postreply 21:40:38