How can I optimize my 401(k) contributions as a non-traditional worker with irregular income?

I totally get your dilemma as a freelancer with irregular income - it can be tough to navigate the world of 401(k) contributions when your income is all over the place. I've been in similar shoes before, and I've found that it's really important to take a step back and look at your overall financial picture before making any decisions about your 401(k) contributions.

For me, the key has been to focus on contributing a set percentage of my income each month, rather than a fixed amount. This way, during slower months, I'm not over-contributing and essentially throwing away money that I could be using to pay bills or cover expenses. And during busier months, I can take advantage of the extra income to boost my retirement savings. I'd recommend exploring this approach and seeing if it works for you - it might take a bit of trial and error to find the right percentage, but it's worth it in the long run.

As for other tax-advantaged options, you might want to look into a SEP-IRA or a solo 401(k) plan, which can be great alternatives for non-traditional workers like ourselves. These plans often offer more flexibility than traditional 401(k) plans, and can be a good way to supplement your retirement savings. I'd definitely do some research and talk to a financial advisor to see if one of these options might be a good fit for you.

Ultimately, the most important thing is to find a strategy that works for you and your unique financial situation. Don't be afraid to experiment and try out different approaches until you find one that feels sustainable and aligns with your goals. And remember, it's okay to make adjustments as you go - the key is to just keep moving forward and making progress towards your retirement savings goals.