This was a very interesting article. You can have more than one 401K if you have more than one employer. Employees have a maximum limit they can put into 401Ks, which can't be gone above regardless of the number of 401ks.

However -- and this is a big However -- Employer match contributions don't work like that. Each "unrelated" employer is considered a separate bucket for contribution limits.

If each of two employers matched up to 4%, you would make more money by putting 4% into each 401k instead of 8% into one of them. It's like double free money!

https://www.whitecoatinvestor.com/multiple-401k-rules/

Now, to me, this is where things get interesting. What if one of my employers is myself? If my side gig produced enough income I could potentially put tens of thousands more into my personal 401k.

I'm still researching the employer side of the contributions, but at first glance that looks possible.

I wish I had known that earlier!

What I specifically want to know is if an employer can put in their max contribution if you just get paid $1 from them for the year. If not, how close to that optimal situation can we get?

Anyone else interested in helping explore this?