When you leave a corporate job, you lose the "golden handcuffs" of the 401(k) match. But the tax code actually offers solopreneurs better retirement options if you know where to look.

SEP-IRA

A SEP-IRA allows you to contribute up to 25% of your net earnings (up to ~$66k). This is a massive tax deduction. It's easy to set up and flexible—you can contribute less in lean years.

Solo 401(k)

This is the power user move. You can contribute as both the employee (up to $22.5k) AND the employer (up to 25% of profits). For high earners, this helps you shelter significantly more income from taxes than a W2 employee ever could.

Compound interest is the eighth wonder of the world. Even starting with $500/month makes a million-dollar difference over 30 years. Start today.