Скачать или смотреть “W-2 or Independent—Truck Drivers Deserve a Pension”

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Layer 1: The Base (Non-Negotiable)
This is the floor—like Social Security’s backup.
1️⃣ Social Security (yes, it still matters)
W-2 drivers: automatic
Owner-operators: you’re paying both sides—don’t dodge it entirely
Goal: treat it as baseline income, not the whole plan
Rule: Never plan retirement assuming Social Security disappears—but never rely on it alone.
Layer 2: The “Pension Engine” (Main Income Builder)
This is where your real pension is created.
OPTION A: W-2 Truck Drivers
🔹 Employer 401(k) (if available)
Contribute at least enough to get the full match
If no match → still useful for tax deferral
Target contribution:
👉 10–20% of gross pay over time
OPTION B: Owner-Operators / 1099 Drivers (Best Setup)
🔹 Solo 401(k) – the king of DIY pensions
Best if you’re running your own truck or LLC.
Why it’s powerful:
Contribute as employee + employer
Up to $69,000/year (2025 limits, under 50)
Contributions reduce taxable income
Can add Roth option for tax-free retirement income
How to structure it:
Employee: up to ~$23k
Employer: up to 25% of net income
Invest automatically every month
This is the closest thing to a real pension replacement.
🔹 SEP-IRA (simpler but weaker)
Easier to set up
Employer contributions only
Lower control, no Roth
Good if you hate paperwork. Not optimal long term.
Layer 3: The Freedom Layer (Early Retirement / Flexibility)
This is how you retire early or reduce driving hours.
🔹 Roth IRA
Tax-free growth
Pull contributions anytime
Perfect hedge against future tax hikes
Max it every year if possible.
🔹 Taxable Brokerage Account
This is your “bridge pension.”
No penalties
Funds early retirement (50s–60s)
Invest like a pension fund (not gambling)
What to Invest In (Keep It Boring)
Pensions don’t chase hype. They compound.
Simple 3-Fund Setup:
60–80% S&P 500 / Total Market
10–30% International
10–20% Bonds (increase with age)
The magic isn’t returns—it’s consistency + time.
The Pension Rule of Thumb for Truck Drivers
If you want pension-like income later:
Save 15–25% of gross income
Invest every week or every month
Never stop during down markets
Increase contributions when rates are good
Example: Fuel Hauler Making $100k
Solo 401(k): $30k/year
Roth IRA: $7k/year
Brokerage: $5k/year
After 25–30 years → multi-million dollar pension equivalent
How to Set It Up (Step-by-Step)
1️⃣ Decide W-2 or Owner-Op
2️⃣ Open accounts (Fidelity, Schwab, Vanguard)
3️⃣ Automate contributions
4️⃣ Pick simple index funds
5️⃣ Rebalance once per year
6️⃣ Increase contributions with raises & rate spikes