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Jrr7 writes:

Do note, though, that the 401(k) rules are the same section as SEP-IRAs (at least for the employer contribution). If you max out a 401(k) working for someone else, you can't max out your SEP-IRA working for yourself.

Sorry, that's not true. They are completely separate entities. As long as the $35K dollar limit for both plans combined is not exceeded, a self-employed person may max out the SEP-IRA based on net self-employed income. That person may also max out a 401(k) plan while working as the employee of someone else based on the compensation earned in that job.

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