I am currently trying to decide how much of my earnings to put into My SEP IRA. I would put the max, but we are planning on building a house this year, and want to keep it liquid. I also intend to convert the SEP to a Solo 401(k), so increase contribution limits. Here is my question: Can I just hold on to the $$ for now, pay the income taxes on it, then contribute more next year if there is $$ left over? This assumes I won't hit the limit for contribution. Also, what would I have to do legally to allow my wife to contribute the 15000K max to the solo(k). I assume she would have to have some earned income. Is it as simple as me paying her for some work via a 1099-Misc? Regards, Kyle Beck
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