I am self-employed and file a Schedule C. I do not have a retirement account yet and will be opening one this month. My husband is W-2 income and has an IRA through his employer, and we file jointly. If I open a Solo 401K or a SEP IRA this month for myself and make a contribution before April, would it be tax-deductible on my 2025 taxes? Or did the account have to be opened in 2025?
