If you're self-employed there's a way to contribute more than 25%. It's called a self-employed 401K. For an unincorporated business, it's $15,500 plus an additional 5K if over 50 as the employee part and then 20% of net business profits for the employer part. Added together it's better than 25%.Also as the business owner you determine if there is a waiting period or not.
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