Carry Learning Center

If you’re thinking about tapping into your retirement savings without leaving your job, you’re not alone. Many people are curious whether they can access their 401k funds while still employed, especially when facing large expenses or exploring new investment opportunities. That’s where a 401k in-service distribution comes in.  This option lets eligible employees withdraw or roll [...]

Living abroad doesn’t mean giving up on building your retirement savings. For self-employed U.S. expats, a Solo 401k can offer a way to continue contributing toward retirement while potentially enjoying tax advantages. But figuring out the rules while living overseas can feel a bit complicated. If you’re wondering how a Solo 401k works for expats — [...]

Playing music for a living takes talent, hustle, and often an unpredictable schedule. Whether you’re performing live, producing tracks, teaching lessons, or juggling all three, there’s a good chance your income doesn’t come with built-in benefits like an employer-sponsored retirement plan. That’s where a Solo 401k may come in. If you’re self-employed and don’t have full-time employees, [...]

Dreaming of deploying code in Silicon Valley or leading an AI project at a U.S. research hub? The O-1A visa could be your way in.  The O-1A visa is designed for individuals who can show “extraordinary ability” in their field. To qualify, you typically need to meet at least three out of eight U.S. Citizenship and [...]

In 2025, cash is making a quiet return, with some markets offering yields close to 5 percent. Many wealthy individuals keep 10 to 30 percent of their portfolios in cash or cash equivalents. And it’s not just about playing it safe. Holding cash gives them the flexibility to move quickly when new opportunities come up. In [...]

Imagine owning a parcel of land today and watching its value grow over time. Investing in raw land through your Solo 401k allows you to capture that growth while enjoying tax-deferred benefits along the way. This quick guide covers the rules, risks, and steps to buy land using retirement funds. You’ll also get a simple checklist [...]

Ever wonder how your savings compare to others your age or income level? You’re not alone. Many people are curious if they’re setting aside enough or falling behind. The truth is, how much Americans save each year depends on a mix of factors like age, earnings, and even where they live.  In this article, you’ll get [...]

If you make a living through your art—whether it’s painting, music, graphic design, or creative freelance work—you might be wondering if you’re eligible for a Solo 401k. In most cases, the answer is yes. A Solo 401k could be a practical retirement savings option for self-employed artists who don’t have any full-time employees. It offers flexibility, [...]

A surprising number of Americans still struggle with everyday money decisions— from budgeting and understanding interest to planning for retirement. In fact, recent studies show that most adults miss basic financial questions, and the gaps vary widely by age. In this article, we’ll take a closer look at the current state of financial literacy in the [...]