Say I make 25k . If I put the max in a regular indiv IRA, and the max (25k) in a Roth 401k using the Employee portion. Can I still do the employer portion of the 401k?

[SweetieJean]

See OP's other posts.

[dmertz · Accepted solution]

No.  The total of your employee contributions (Roth in this case) and employer contributions to the 401(k) cannot exceed net earnings from self-employment.  Your net earnings from self employment are your net profit minus the deductible portion of self-employment taxes.  (If your net profit is $25,000 and you do not max out your Social Security wage base with income from another employer, your net earnings are $23,234.  To have net earnings of $25,000 you would need $26,901 of net profit.)  TurboTax does not enforce the net-earnings limit on Roth contributions, you'll have to do that yourself.

Your Roth 401(k) contributions do not reduce the earnings available to contribute to a traditional or Roth IRA, but traditional 401(k) contributions (employee and employer) contributions do.