If you're self-employed without employees, consider learning more about the individual(k) plan and it's Roth components.

Self-employed, Simple Start, etc...?

I get W2 income which I can stash away in a Solo 401K as the $18k employee contribution, and then my employer (i.e., my LLC) can stash away more up to the IRS limit.I would rather now give you specific advise like you are asking.

It is never sufficient for the landlord to give the written translation of the lease or rental agreement to the tenant after the tenant has signed it.However, the landlord is not required to give the tenant a written translation of the lease or rental agreement if all of the following are true:~ The Spanish-, Chinese-, Tagalog-, Vietnamese-, or Korean-speaking tenant negotiated the rental agreement through his or her own interpreter; and ~ The tenant's interpreter is able to speak fluently and read with full understanding English, as well as Spanish, Chinese, Tagalog, Vietnamese or Korean (whichever was used in the negotiation); and ~ The interpreter is not a minor (under 18 years of age); and ~ The interpreter is not employed or made available by or through the landlord.

And you have pay employment taxes for your friend and you wouldn't for a PM.  

I do have a 401k with my current employer with about $150k in mutual funds investments.

The main level I wanted to do allure ultra, but they don't have the shade I'm looking for so I'm searching for alternatives.If you guys feel carpet is a terrible idea please talk me out of it.

The education is required by your employer or the law to keep your present salary, status, or job.

I contribute to my IRA just enough to get the most matching contribution from my employer.

(3)  Would the foregoing strategy effectively reduce the net income of the company and thereby reduce the self employment tax (i.e., by making the interest on the loan ordinary income to the owner)?