Matt Ruttenberg

speaker

364 appearances 1 recordings 1 series first heard Sep 2025 last heard 25 Sep

Matt Ruttenberg’s voice in public audio — every appearance, attributed to the second.

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So again, the bottom layer, 23,500.

As long as you're paying yourself $23,500, you can put that towards the 401k portion.

The profit sharing, let's assume you're an S-corp, is up to 25%.

So if you are paying yourself $100,000 salary, but maybe you have a $400,000 total profit, we don't care about the $400,000.

We just care about that $100,000.

So you're going to do 25% of $100,000, $25,000 contribution into your profit sharing plan is what you're allowed to do.

So every, and this is something that I'm, I'm trying to get out out there into the, into the world is, is every business is completely different.

Every design should be different.

And that's why you don't want to use boilerplate because you're not,

cost ends up being a major part of the equation.

Just like anything, when you're searching for payroll or you're searching for bookkeeping, you're like, what's the overall cost?

What's the cost?

But a lot of times they're looking at like the administration fee and the record keeping fee and they're like, okay, what is that?

There's a huge part of that equation that is often lost in how much, obviously tax strategy, right?

How much, what is your net taxes?

Like you said earlier, you know,

Do you increase your salary so you can do contributions or vice versa?

It's this big balance.

And everything has a cost.

And everything is, are you in the black?

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