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system
do i qualify for a personal 401-k plan?
user
i'm not a tax lawyer, but from what i can tell it looks like you'd be eligible to use your contractor income to fund a solo 401(k).  http://www.irafinancialgroup.com/whatissolo401k.php "to access these benefits an investor must meet two eligibility requirements: the presence of self employment activity. the absence of full-time employees." and from the irs itself (http://www.irs.gov/pub/irs-tege/forum08_401k.pdf)
assistant