Carry Learning Center

Thinking about retirement while growing your fitness business? If you’re a personal trainer working for yourself — whether in a private gym, from home, or online — you might be wondering how to build long-term savings on your own terms. A Solo 401k could be a flexible and tax-efficient option, especially if you don’t have full-time [...]

OVERVIEW The average total 401k savings rate (employee + employer) is now 14.3 percent, according to Fidelity. Nearly 95 percent of Vanguard participants use a target-date fund as their primary investment. Index funds in many plans charge just 0.05 to 0.10 percent in annual fees. Excessive-fee lawsuits against plan sponsors rose 35 percent in 2024. A simple three-fund mix — [...]

If you work as a marketing consultant and run your own business—even as a one-person operation—you may be eligible for a retirement plan designed specifically for self-employed professionals: the Solo 401k. This type of plan offers high contribution limits, Roth options, and flexible investment choices. But not every business qualifies. So let’s take a closer look [...]

Where you retire could affect how far your savings go. The cost of living varies widely across the U.S., and these differences can have a major impact on your retirement planning. A comfortable lifestyle in one state might require much more—or less—in another. This article breaks down how retirement costs differ by state, what factors drive [...]

Selling on eBay can offer a flexible path to self-employment, whether you’re flipping collectibles, managing a niche online store, or running a full-time resale operation. But as your income grows, so does the importance of planning for the future. If you’re a self-employed eBay seller, a Solo 401k could be one way to set money aside [...]

Imagine reducing your next taxable income by as much as $7,000, simply by changing how a portion of your paycheck is allocated.  Pretax contributions allow you to direct part of your earnings into a traditional IRA or 401k before income taxes are applied. This may reduce your taxable income today, and your savings can potentially grow [...]

Building long-term retirement savings typically means choosing accounts with high contribution limits and flexible investment options. A Solo 401k offers both. This retirement plan is designed for business owners with no full-time employees, allowing you to contribute as both the employer and the employee.  [...]

Saving for retirement becomes more rewarding when your employer helps you along the way. At Accenture, eligible employees receive a dollar-for-dollar match on 401k contributions, up to 6 percent of eligible pay. This can make a meaningful difference over time, especially when combined with smart contribution strategies and tax advantages. This guide explains how Accenture’s 401k [...]

Running your own Etsy shop means managing everything—from creating products to handling orders and shipping. But as a self-employed seller, planning for retirement might not be top of mind. Unlike traditional employees, Etsy entrepreneurs typically don’t have access to workplace retirement benefits. That’s where a Solo 401k comes in. This retirement plan is designed for individuals [...]