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Re:Share of U.S. workers holding multiple jobs is rising by lotsofpulp on Thursday February 18, 2021 @06:14PM (#26187170)
> If you are a 1099/gig worker and file your taxes with a schedule C, you’re almost certainly eligible for a SEP-IRA (1). This is way better than a 401k

Not if your spouse works for an employer that offers a 401k.

Re:Share of U.S. workers holding multiple jobs is rising by sokoloff on Thursday February 18, 2021 @06:30PM (#26187319)
> Not if your spouse works for an employer that offers a 401k.

Do you have a citation for this?

I'll offer a citation from the IRS that strongly suggests (though does not 100% prove) this is not the case:

"Can I set up a SEP for my self-employment income if I participate in my employer's retirement plan?

Yes, you can set up a SEP for your self-employed business even if you participate in your employer's retirement plan at a second job."

That suggests that you can contribute to a SEP even if you yourself are participating in a 401K, let alone if your spouse is merely offered one.

[0] https://www.irs.gov/retirement-plans/retirement-plans-faqs-r...

Re:Share of U.S. workers holding multiple jobs is rising by lotsofpulp on Thursday February 18, 2021 @06:45PM (#26187464)
You are correct, I was misinformed.

https://www.irs.gov/publications/p560#en_US_2019_publink1000...

It seems only people who are employed by employers that don't offer 401k get screwed if the spouse does have a 401k and you're over certain incomes:

https://www.irs.gov/publications/p590a