Can someone help me calculate the differences in a SEP IRA with a lower base pay vs. a higher base with 401k pre-tax contributions? Employer pays the SEP but I figure if I got a higher base and paid into the 401k myself I’d still get the tax benefit.

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You may want to also consider the ~$58k vs $19,500 401k limit. Much larger tax savings than a measly employer match.

smart

Yeah that’s assuming the employer offers Roth 401k right

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