I'm a 27-year-old PhD candidate.  I'm maxing out my Roth IRA, but have no 401(k) or HSA options. Obviously, those are a big part of a step in the financial order of operations. Do I have any other options for investing other

than a brokerage account? I make about $40,000 to $50,000 in side hustles right now. What would you say to Liam? Oh, Liam, I have a question: when you do those side hustles, how are you getting paid? Like, side hustles meaning like I'm working part-time,

getting W-2 income, because then there's not a whole lot you can do. But if your side hustles are paying you as an independent contractor, well now we have a lot of really fun planning opportunities because when you are self-employed, it opens all

kinds of wonderful world of finance choices. Yeah, I mean, the old-school answer used to be just go look at a SEP IRA and fund that to 20-25% of your income, um, funded basically by the employer. But then along comes solo 401(k)s,

which now allow you to, since you said you don't have a 401(k) at your work, that means you have your full wide open on 415 funding limits, meaning you can do your deferrals up to the $23,000, and then you could do a profit

sharing portion on top of the $23,000, probably 20-25% of the profit of the side gig that you've got going on. And um, it's an incredible saving opportunity, so you don't have to, especially if you

Have side income coming in. If you don't have a 401(k) with your employer, go create your own opportunity. If you have self-employment income, you have to make sure that this is money that's going to be subject to self-employment taxes, or um...

payroll taxes, um, for it to be eligible for these retirement plans. But let's say that, for some reason, maybe you're doing part-time work and it is a W-2 and you're not getting a 1099, and all you can do is a brokerage account; that's okay.

You're a PhD candidate, which means likely when you finish your education you're going to move into a vocation where you're probably going to have access to things like a 401(k), a 403(b), or maybe even a 457(b), where you can double

dip. So just because you're not able to build those accounts right now in your financial journey does not mean that you won't be able to build them at some point in the future. What you really want to master right now is the behavior: If I'm making $40,000 or $50,000 a year, am I

still going to make sure that I'm saving 25% of my gross income for the future? Because if I can do that when I'm making $40,000 to $50,000 a year, then I'm likely going to be able to carry that same behavior forward when I'm making $140,000 to

$150,000 a year and I do have access to all these wonderful retirement plans. So the fact that you're saving at 27... If you haven't done the wealth multiplier, go to moneyguy.com/resources, play with our tool out there; it'll blow your mind what

Every one of those dollars can turn into even more, if it's just falling into a brokerage account, which is totally okay at this stage of your financial journey.

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부업을 하는 박사 과정 학생을 위한 투자 옵션

27세의 박사 학위 취득자가 Roth IRA를 최대로 활용하고 있지만 401(k)나 HSA에 가입할 수 없어 추가 투자 옵션을 찾고 있습니다.

부업으로 4만~5만 달러의 수입을 올리는 후보자의 경우, 지불 방법(W-2와 독립 계약자)이 투자 선택에 영향을 미칩니다.

자영업 소득은 W-2 소득에 비해 더 많은 투자 기회를 열어줍니다.

투자 수단으로서의 솔로 401(k) 및 SEP IRA

SEP IRA와 솔로 401(k)가 옵션으로 제공되며, 솔로 401(k)는 더 높은 납입 한도를 허용합니다.

개인 401(k)는 최대 $23,000까지 연기할 수 있으며, 부업 수익의 20~25%까지 이익 공유가 가능합니다.

이러한 은퇴 계획에서 자영업 세금의 중요성이 강조되고 있습니다.

W-2 소득만 있는 경우 중개 계좌를 대안으로 제안합니다.

미래 투자 기회와 행동의 일관성

후보자의 향후 경력은 401(k), 403(b) 또는 457(b) 플랜을 이용할 수 있을 가능성이 높습니다.

소득 수준에 관계없이 소득의 일정 비율을 저축하는 것이 중요하다는 점을 강조하면서 일관된 저축 행동에 초점을 맞추고 있습니다.

현재 소득이 적더라도 25%의 저축률을 유지하는 것은 미래의 재정적 성공을 위해 권장됩니다.

저축의 장기적인 효과를 시각화하려면 자산 승수 도구를 사용하는 것이 좋습니다.

현재 금융 여정 단계에서는 중개 계좌를 사용하는 것이 허용되는 것으로 간주됩니다.