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paypant · 7 months ago

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10 Best Solo 401k Options

A solo 401k is a great way to save for retirement if you run your own business. It provides the ability to contribute more money than other retirement accounts. It often comes with additional benefits such as matching contributions from your employer or a self-directed investing option that lets you choose investments based on your risk tolerance and future goals.

Best Solo 401ks Overall - Self-Directed Solo 401k

A self-directed 401k is the best option if you want complete investment control. It allows you to invest your money in various assets such as stocks, bonds, mutual funds, ETFs, real estate, and alternative investments. The self-directed solo 401k allows you to invest in various investment vehicles, including mutual and exchange-traded funds (ETFs). Moreover, it allows you to invest in alternative investments like real estate through a self-directed IRA LLC or an IRA trust.

Best Solo 401k for Straightforward Investing - Schwab Solo 401k

Schwab Solo 401(k) is an excellent option for those looking to invest their retirement savings in straightforward terms. It’s one of the most popular solo 401(k) plans, offering a long list of investment options and advice services. To start, Schwab Solo 401(k) has low fees: It only costs $1 monthly (and no maintenance fees). Plus, there are no account minimums or complicated pricing structures—you pay based on how much you have invested with them. In addition to these excellent features, Schwab offers a wide range of investment options—including ETFs (exchange-traded funds), mutual funds, and individual stocks—and access to financial advisors via phone or video chat.

Best Low-Cost Solo 401k - Vanguard Solo 401k

Vanguard's Solo 401k is one of the least expensive options available on the market. There are no trading costs or management fees, so your investments will grow tax-free consistently. There are also several investment options to choose from, and you can use any broker that works with Vanguard or roll over your existing IRA into a Vanguard Solo 401k plan. - No minimum balance requirements or account service fees According to Vanguard, you don't have to maintain a certain amount in your retirement account for it to remain active. You won't be charged annual and no account maintenance fees either. The only thing that could cost money is if funds are left in the plan when you stop working as an independent contractor. Then, they may charge an inactivity fee until you retake action on them (which could easily be avoided by moving those funds elsewhere).

Best Flexible Self-Directed Solo 401k - Fidelity Go Self-Employed 401(k)

If you want to be able to invest in a wide range of investments, the Fidelity Go Self-Employed 401(k) is a great option. You can invest in stocks, bonds, mutual funds, ETFs, and REITs. The catch? It has limited investment options available for real estate if you’re looking for something flexible with opportunities for real estate investing. However, this is one of the best solo 401k plans out there. Fidelity Go allows investors to purchase residential and commercial properties with their solo 401k plan through a Fidelity Real Estate Investment Trust (REIT). Investors participating in these plans can even borrow up to 30% of their total account balance when purchasing property – so if your account value was $100K and you wanted to borrow $30K from yourself, then that would mean that you could use $130K worth of funds from this one account – not bad.

Best Low-Cost Self-Directed Solo 401k - TD Ameritrade Self-Directed Brokerage Account Solo 401(k)

TD Ameritrade is a low-cost brokerage that offers some of the best mutual funds and ETFs on the market. One of their most popular products is the TD Ameritrade Self-Directed Brokerage Account Solo 401(k) because it has a low minimum investment requirement, a low $10 per month fee for the account, and no trading fees! If you are looking for an inexpensive way to invest in your business without hiring someone else to do it for you (and possibly pay them a hefty fee), this option might be perfect for you.

Best for No Trading Costs or Management Fees – Wealth front Roth IRA.

This account is excellent because it has no trading costs, management fees, or minimum balance required. There’s no account minimum or annual fee, account service, or transfer fee. You also won’t have to worry about any inactivity or maintenance fees.

Best Solo 401k for Tax-Deductible Contributions - E*TRADE Retirement Plan Services Individual K Plan

This plan allows you to contribute up to $19,000/year (or $25,000 if you're 50 or older). You can also set up a Roth IRA for the same account. This is your plan if you have an E*TRADE Individual Retirement Account (IRA) with more than $1 million in total assets. Otherwise, it's best suited for those looking for traditional retirement savings accounts and IRAs. If your Solo 401k is connected with an E*TRADE checking or brokerage account like our online trading platform, then there's another great way to maximize your retirement contributions: Roth IRAs.

Best Solo 401ks for Multiple Accounts or Employer Matching - Betterment Retirement Account (IRA)

Betterment is a Robo-advisor, so you can set it and forget it. You don’t need to worry about rebalancing your portfolio or monitoring the market: Betterment will do all that for you automatically. It also has no account minimums or account fees, which makes this solo 401k option very affordable. Betterment offers a variety of investment options beyond stocks and bonds—including real estate and alternative investments like gold—as well as personalized advice from financial experts based on your goals, risk tolerance, and other personal factors. Once they have those details, they can recommend the specific funds that make sense for you.

Best Interactive Investment Planning Tool - Personal Capital IRA Rollover Account

If you’re looking for an easy-to-use and affordable investment planning tool, look no further than Personal Capital IRA Rollover Account. Personal Capital is a free investment management service that quickly helps users track their finances. It makes managing your retirement savings—whether in an IRA or traditional 401(k)—easy by providing both a tool to manage investments and alerts that let you know if something needs attention before it becomes a problem. The Personal Capital IRA Rollover Account lets you easily transfer funds from your former employer’s 401(k) into this new account with just one click of the mouse. And because all transactions are done online through their website or mobile app, there are no paperwork hoops to jump through either.

Best for Long History of Outperformance - Fidelity Personalized Portfolios IRA

Fidelity Personalized Portfolios IRA is excellent for investors who want to invest in various asset classes. Investors can choose from Fidelity’s managed portfolio options, including: - Fidelity® Tax-Managed U.S. Equity Portfolio - Fidelity® Low-Cost Municipal Debt Fund (LMMXX) - Fidelity® International Index Fund - Investor Class (FIIIX)

Vanguard solo 401k

The vanguard solo 401k is a great investment option for self-employed people. A tax-advantaged retirement plan lets you put money into stocks, bonds, and mutual funds. You can use it to save for retirement and withdraw some funds when needed, like in an emergency. If you are self-employed and have set up your own business, opening up a vanguard solo 401k account can be a great way to save up for retirement because it allows you to contribute more than other plans allow. Also, if you have been self-employed for at least two years, you can take a loan from the account for whatever purpose. This can be helpful if you need cash for home improvement or medical expenses. Another thing is that if you have a terrible year in business and earn less money than usual, the account helps give you some security because it insulates your earnings from taxes until you retire. Also, unlike other plans, there is no maximum age limit for opening a solo 401k account. So even if you are sixty years old and still working on your own business, you can still open up this account and fund it with money that will be taxed when you draw it.

E-trade solo 401k

Knowing what a Solo 401k it is important, and how you can benefit from using this retirement plan. The Solo 401(k) Plan was created by Congress primarily for the self-employed. It offers many of the same features as other retirement plans, such as a Traditional IRA or SEP IRA. Still, it has some additional benefits that make it especially attractive. In particular, the Solo 401(k) offers two significant benefits: Self-employed individuals can contribute up to $52,000 per year to the Solo 401(k), which is tax-deductible; and The account grows on a deferred tax basis until account withdrawals begin at age 59½. The most significant benefit is that there are no income limitations on who can contribute and deduct their contributions. You can open and fund a Solo 401(k) even if you have no employees or only one employee.

Frequently Asked Questions

What banks offer Solo 401k? Several banks offer Solo 401k plans, and the list grows yearly. You're lucky to bank with U.S Bank, Wells Fargo, or Charles Schwab. These banks all offer excellent Solo 401k plans. Because you're self-employed and not part of a company, a Solo 401k can be useful for retirement. If you bank with one of these companies and open an IRA CD (or CD- ladder), you can save for retirement and watch your money grow over time -- tax-free. Can I put rental income in a 401k? The short answer is yes. The longer answer is that it depends on the context. When discussing income from investments, a 401k is an investment like anything else. So if you can put your rental income in a 401k, why not leave it there? However, there are tax implications to consider. Depending on your circumstances, you may be subject to taxes on the income as soon as it's received. Keeping your rental income outside the 401k until you've paid the taxes makes more sense if this is the case. In addition, if your employer offers matching funds for your 401k but does not offer anything for Roth IRA contributions (which your rental income would likely go towards), you'll want to keep your Roth contributions separate until after you've maximized the match in your 401k. The bottom line: Yes, you can put your rental income into a 401k. And depending on your situation, it might make sense to do so. But there are some additional factors to consider beyond whether it's allowed. Is real estate a better investment than 401k? Whether you believe real estate should be a big part of your investment portfolio depends on several factors, including the amount of money you have to invest, what kind of investor you are, and your goals for retirement. "Real estate is an excellent long-term investment," says Melissa Padgett, a financial planner in the greater Chicago area. Looking at the numbers, it becomes clear that investing in real estate can help you build wealth over time and achieve your long-term financial goals. Many people put at least some of their money into residential property, with most saying they bought their home. They liked living there as they did because they saw it as a good investment. For example, if you're buying a home that will become your primary residence, and you plan to live there for the next 30 years or more and think it's likely that housing prices will continue to rise during that period, then buying a home could make sense for you. On the other hand, if you think prices will level off or even fall when you plan to live in the property, then buying may not be such a good idea. Should I max out 401k or save for House? Should I max out my 401k or save for a house? That's a great question, and there's no correct answer. You have to consider many factors only relevant to you and your situation. But if you're looking for some solid advice, here are the main points to consider: How long do you plan on working? The longer you work, the more likely it is that 401k contributions will pay off for you. If you plan to leave the workforce in 5 years or less, your best bet might be to start saving for your house now. If you plan on staying employed for another 20 years, then funding your 401k makes more sense. How much can you contribute? The maximum amount allowed in 2019 is $19,000 (up from $18,500). If you can put that much away this year, it makes sense. If not, you should consider how much you can realistically save towards a house per year. You might be able to contribute substantially more than $19K per year. What kind of interest rate do you get on your 401k? A 401k is an investment account with an associated interest rate that fluctuates depending on the market. At what age should you pay off your mortgage? The idea of paying off your mortgage as soon as possible is common. The logic is that you'll have more money freed up to invest in other things if you're not making monthly payments on a large loan. However, by the time you reach retirement age, you'll be able to borrow from your 401(k) if you need the money for an emergency, so the benefit of paying off your mortgage early may not be worth giving up the money you could've been investing all those years. The actual decision is whether or not to pay off your house during your working life. You should only do so if you're comfortable with having no home purchase protection and possibly missing out on other investments that could help boost your retirement savings. Is it wise to pay off your house? You've probably heard the advice to pay off your mortgage early, but is it r a good idea? Paying off your home loan can seem like a pretty sweet deal. It means you're free from the monthly payments, which is a big load off your mind in itself. You also have the satisfaction of knowing you've got nothing to pay. If it were that simple, though, you'd probably be hearing from people who had been paying their mortgages for years and years with no end in sight. For one thing, it's not possible to do. Suppose you're in an area where house prices are skyrocketing. It's a great idea to liquidate your equity into cash and invest elsewhere, where it will grow faster than any interest you could earn on a mortgage. And if your job requires a lot of travel or you can't commit to living in one place for at least seven years, then it may not be feasible either. But even if those issues aren't in play, there are still some questions you might want to ask yourself before diving right into paying off your house.

Summary

A solo 401(k) is a great way to save for retirement if you run your own business. You can contribute up to $55,000 each to the plan as an employer. In addition, employees can contribute up to $18,500 a year if they're under 50 or $24,500 if they're 50 or over. And unlike other retirement plans that limit which investments you can use (like IRAs), there are no restrictions on the investment options available in a solo 401(k). You'll also want to think about how much money you need when it comes time for retirement—and whether or not you should invest some of it now so there will be more income. Research has shown that people who start saving early tend to have more giant nest eggs than those who do not (even when controlling for age). The earlier one starts saving for retirement and investing their money wisely, the longer their savings will have time to grow and compound—and therefore, more cash at the end of their lives. Solo 401(k) has many benefits but can also be complicated to set up and manage. If you're considering investing in one, ensure your financial advisor is a certified solo 401(k) specialist or has extensive experience with these plans. An excellent place to start is by looking for an advisor who has worked with clients like yourself—someone who knows what's essential when planning for retirement and how best to meet those goals. Read the full article

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joeljvirtue · 1 year ago

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Kaaren Hall - Knowing Advantages of Self Directed IRA

Key Takeaways

Alternative investments exclude collectibles like art and cars, as well as assets that involve personal use or benefit.

Self-directed IRAs allow individuals to invest in various assets, such as rental properties, without directly benefiting from them or performing any related work.

Short-term rentals, including Airbnb, can be included in an IRA investment, but the tax implications can be complex depending on whether the income is considered passive or active.

Different types of IRAs include traditional, Roth, SEP, simple, solo 401k, and health savings accounts (HSA).

Tax considerations such as UBIT and UDFI may apply to IRA investments and could result in taxes owed, but deductions can help offset the tax liability.

It's important to have a cushion in your self-directed IRA to cover expenses and potential capital calls.

Self-directed IRA providers like uDirectIRA make the investment process easy with dedicated transaction coordinators.

Timeline

[00:42] Intro to Podcast

[02:20] Intro to episode guest

[03:33] One word that describes Kaaren personally and professionally.

[04:02] So let’s talk about your history and how you started uDirect and what you guys do.

[07:34] Kaaren explains what a self-directed IRA is and how people can use it.

[11:16] Let’s talk about the different types of IRAs.

[19:55] What's your experience as a crypto administrator regarding people's investments and ATM machines?

[22:17] How about depreciation? Can you talk about that a little bit? Are you allowed in your self-directed to take a depreciation?

[26:15] Any other new guidelines or rules that are exciting for people that have happened or are going to happen that you know of?

[30:30] What alternative investment options are available for my self-directed IRA when I don't have enough funds for contributions or rollovers, and how can I maximize returns in such situations?

Contact

Phone: (866) 538-3539

Email: [email protected]

Check out this Insider Secrets episode!

#multi-family #real estate event #investing #mike morawski #multi family global summit #my core intentions

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waelthscape · 1 year ago

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#CustomizedWealthPlanning #EntrepreneurRetirementGuide #EntrepreneurSuccessionPlanner #TailoredRetirementSolutions #Tax-SmartRetirementStrategies

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sciencenoworgau · 2 years ago

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Since the beginning of 2006, you can put money into a Roth Solo 401(k). Some Solo 401k providers do not permit Roth contributions, despite the fact that they are allowed […]

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notebooknebula · 2 years ago

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Using IRAs For Raising Private Money - Real Estate Investing Minus the Bank

https://www.jayconner.com/podcast/episode-43-using-iras-for-raising-private-money/

Key Takeaways:

The benefits of self-directed IRAs

Why you should do your due diligence on an investment before a self-directed IRA

You can partner different accounts into a single one

Real estate investments are the ones that Quest does the most

Non-recourse debt and IRAs

There are so many benefits in real estate investing with Roth IRA

Don’t do subject-to-deals without proper training

When you do certain types of investments in an IRA, they can become taxable

Why do most people run a business inside an IRA

The solution to the possibility of paying tax when using an IRA

IRAs can be powerful tools, which is why you need to be cautious and properly educated before using them.

On Raising Private Money we’ll speak with new and seasoned investors to dissect their deals and extract the best tips and strategies to help you get the money!

Today we have Nathan Long!

As the President of Quest Trust Company, Nathan Long oversees the operations of the company and aids in improving the practices implemented.

After joining his brother, Quincy, and the Quest Trust Company team in 2007, Nathan has aided in growing the company to over ninety employees located in four different cities, with continued expansion expected in the near future.

Prior to working at Quest Trust Company, Nathan was in the automotive industry for over 17 years as an upper-level executive for Automotive Investment Group, AIG, and participated in growing the ABC Nissan Branch in Phoenix, Arizona. Nathan also holds the title of Certified IRA Services Professional (CISP), from the Institute of Certified Bankers. Throughout his time with Quest, Nathan has focused his time and efforts on providing superb customer service and developing excellent educational resources.

Timestamps:

0:01 – Raising Private Money with Jay Conner

1:00 – Quest Can Fund Your Deals As Early As 48 Hrs

2:41 – Today’s Guest: Nathan Long

5:29 – What Is A Self-Directed IRA?

6:35 – Different Types Of Self-Directed IRA

7:36 – People Restrictions On IRA

8:34 – The Most Profitable Investment You Can Have With SDIRA

12:35 – Why Buy Subject-To In An IRA?

15:32 – Don’t Do Subject_to Deals Without Proper Training

18:50 – Unrelated Debt Finance Income

20:59 – IRAs Can’t Use Depreciation

24:57 – Invest In A Taxable Entity

25:50 – The Solo 401K

27:44 – For Questions, connect through these emails: [email protected] and [email protected]

Private Money Academy Conference:

https://www.JaysLiveEvent.com

Free Report:

https://www.jayconner.com/MoneyReport

Join the Private Money Academy:

https://www.JayConner.com/trial/

Have you read Jay’s new book: Where to Get The Money Now?

It is available FREE (all you pay is the shipping and handling) at

https://www.JayConner.com/Book

What is Private Money? Real Estate Investing with Jay Conner

https://www.JayConner.com/MoneyPodcast

Jay Conner is a proven real estate investment leader. He maximizes creative methods to buy and sell properties with profits averaging $67,000 per deal without using his own money or credit.

What is Real Estate Investing? Live Private Money Academy Conference

https://youtu.be/QyeBbDOF4wo

YouTube Channel

https://www.youtube.com/c/RealEstateInvestingWithJayConner

Apple Podcasts:

https://podcasts.apple.com/us/podcast/private-money-academy-real-estate-investing-with-jay/id1377723034

Facebook:

https://www.facebook.com/jay.conner.marketing

Listen to our Podcast:

https://www.buzzsprout.com/2025961/episodes/12332753

#youtube #real estate #real estate investing #real estate investing for beginners #flipping houses #private money #raising private money #Jay Conner

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businessupside21 · 3 years ago

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Why It’s Important to Choose a Good Solo 401k Provider

#Solo 401k #solo 401k providers

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digitalassetinvestment · 3 months ago

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Crypto Investments in California

Are you seeking to enhance your crypto investments in California? Look no further than DAIM's financial advisor services for expert guidance tailored to your unique needs. With a focus on maximizing your investment potential and ensuring financial security, our platform offers valuable insights and solutions to address your concerns and achieve your goals in the dynamic world of crypto investments. Join the ranks of successful investors who trust DAIM for unparalleled support and expertise in crypto investment management.

#Crypto Investments in California #California Registered Investment Advisor #Digital Asset Investment #Bitcoin #solo 401k providers

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themangoyogurt · 4 years ago

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Misguided Youth: One More For The Road

Chapter 4

Spilling out onto the pavement, you leaned over with two hands on either knee. Pulling in thick drags of cold air into your lungs, you willed yourself to calm down before someone found you crying in an alley for no apparent reason. Just as your resolve began to crumble, familiar hands wrapped around your waist and pulled you up. You found yourself pressed against Jyn’s chest as she tugged you into a tight hug.

“Oh my God, what happened, babe? I’m so sorry I missed the concert! My manager asked me to stay longer, but I came as soon as possible!”

Pulling back, she held your head between two gentle palms as she looked into your eyes searching for some sort of answer. You began to choke out, “The...the asshole from the bar was Kylo Ren of Knights of Ren! He...he...I’m just a big fucking joke to him! He totally brought me here just to make fun of the fact that I didn’t recognize him.” Jyn’s eyes turned to steel as she turned to stare at the door.

“That motherfucker. Wait here!” She screeched as the angry woman made a beeline for the employee entrance. You lurched forward to grab her wrist and cried out, “No! I just want to go home and forget that this ever happened! I’m so fucking over Kylo and his shitty attitude.”

Jyn’s eyes flitted between yourself and the door before a mischievous grin spread over her face. She tightly gripped you by the shoulder and replied, “Nope. Hell no. In all the years I’ve known you, you’ve been many things, but never a quitter. I don’t think I’ve ever witnessed you back down from anything or anyone.”

Tugging you down the alley towards the street she continued, “Not only are we going to that afterparty, but we’re going make Kylo Ren regret ever pissing you off.”

You were heading up in an elevator and nervously staring at your reflection in the mirror within the metal box. Noticing you tugging at the hem of your skirt, Jyn reached over to slap your hand away from the garment. “Get your shit together, girl. Remember - if looks could kill.” Nodding along to your best friend, you stood a little straighter as confidence surged inside your chest.

Jyn had immediately dragged you to the nearby apartment of a mutual friend and her sister. After explaining your situation to the Tico sisters, the trio immediately set to working on your outfit. Jyn was hellbent on turning you into a vision, and decided that the best way to irritate Kylo Ren was to dangle a snack in front of him that he’d never have the pleasure of tasting.

While smudging dark kohl eyeliner underneath your eyes she had scoffed, “The best way to piss off a man who doesn’t understand the word ‘no’, is to tell him that that precise word”. While your eyes were darkened in a black smokey eye, your lips were painted in a crimson red. Rose set to pulling your hair into a slick high pony-tail as Paige dug around the back of her closet.

The tall Asian woman emerged behind a pile of clothes and laughed, “Man, I haven’t seen these garments since my clubbing days in college! Good thing I’m a hoarder.” She continued to giggle as she tossed a short black shift dress onto her bed. A pair of fishnet stockings landed next to the dress.

Eyeing the tights you exclaimed, “Uhh, there better be pants with this outfit, because I swear to God, Paige.”

Rose doubled over in laughter while Paige rolled her eyes. She jabbed an accusatory finger in your direction and huffed, “Don’t even try and act like a saint. I’ve seen you strut around Meatpacking in nothing more than a -“

It was Jyn’s turn to howl as she watched your cheeks redden at the memory. Paige gave you a flat stare and held up the dress. “Look, the hemline is still respectable. We’re definitely going for an ‘oh I could care less’ vibe, but you still want to look sexy. Remember the endgame - make Kylo drool but don’t look desperate. Besides, since when did you care so much about saving your piety?” She mocking pressed her palms together in a faux prayer between sweeping off to find you a pair of heeled boots.

The women worked quickly so that within the hour you were standing in Kylo’s private elevator shooting up to his penthouse. You were dropped off in a foyer, and Jyn’s grip tightened around your hand as she pushed you forward towards an open door.

His home was enormous and surprisingly tasteful. It just made you hate the man even more. Floor to ceiling windows adorned the entire place, showing off a glittering view of the New York City skyline. The place was filled to the brim with tons of people, and you swore you saw some celebrities sprinkled amongst the mix. Jyn only confirmed your suspicions as she squealed, “Oh my God, I think that’s Paul Rudd talking to Poe Dameron!”

Poe Dameron was a the former member of a popular boy band, who skyrocketed to fame after going solo. Jyn leaned over to whisper, “I heard that he got into a public feud with Kylo! Apparently America’s favorite bad boy called Dameron the creator of ‘pansy music’.” You rolled your eyes - that definitely sounded like the Kylo you’ve had the displeasure of getting to know.

Lifting your chin up a little higher, you strutted into the room. It was too late to back out now, and you were set on seeing your mission through. You would show Kylo Ren that he had no power over you, and that he could laugh at your expense all he wanted as long as you were drinking up his expensive liquor. You instinctively found yourself by the wet bar with Jyn as she grabbed a bottle Johnnie Walker Blue Label.

“A little heavy handed there wouldn’t you say, Jyn?” You quirked an eyebrow at your friend as she all but emptied a quarter of the bottle into two waiting glasses. Rolling her eyes at your response, she leaned over the counter to grab a bottle of Patrón. Splashing the liquid into two shot glasses, she teased, “These small enough for ya?”

Nudging the woman with your hip, you swiped the glass and downed the clear liquid in a single go. Jyn cheered and tossed back her own glass. Slamming it down, she reached over to the whiskey and shoved the full glass into your hand. She shot you a mischievous look and laughed, “You still gotta finish your glass. Can’t waste anything in this current economy, right?”

Looking over the rim of your glass, you slowly scanned the room as you ignored your friend’s antics. When you had first moved to New York, the two of you became fast friends during freshman year of college. Most of that year was a haze of partying and what your mother would have deemed “wild behavior”.

Jyn had dubbed herself the “Robin Hood of Dating”. Stuffy rich prep boys were always drawn to her for some reason. If they acted like douches then Jyn would provide payback in the form of bleeding their bank accounts dry through a series of unforgivingly expensive treats and dinners. Her biggest talent was probably the fact that she’d clean out their wallets without even shedding a single layer of clothing.

Fortunately the two of you emerged from your youthful dalliances rather unscathed. Was your GPA something to write home about? Probably not. But at least you lived a little, right? While you settled on (surprisingly) getting into grad school, Jyn wasn’t sure what she wanted to do with her life. One thing she knew for sure was that the woman was so over higher education.

You weren’t really sure what Jyn did now. She cycled through so many part-time jobs it was hard to keep up. You started to mull over her short-lived career as an actress (deceased prostitute number two on Law & Order SVU season six) when she snapped her fingers in front of your face.

“Hey! I’m talking to you!”

She took in your confused expression and shook her head. “Come on, girl. Now is not the time to relax. We need to find Lord Dickhead and then get the hell out of here, okay?”

You nodded and quickly downed your glass for courage. Jyn smirked and patted your back. “Atta girl,” she cheered. Looping an arm through the crook of your elbow, she pulled you away from the bar to circle the room.

Meanwhile, Kylo was nursing his own glass of whiskey as his eyes trailed behind you like a shark. You weren’t wearing that just a few hours ago. His grip was like steel as he thought about your earlier confrontation. Most women would have been all over him by now. At the very least excited to get free Knights of Ren tickets. Not only were you the opposite of thrilled, but he didn’t even catch who your guest was.

He was pretty sure he overheard Phasma tell Mitaka that you were bringing someone named Jim. What kind of name was that anyways? Kylo irritatedly thought that the guy sounded obnoxious. He probably had a full-time job and 401K. Kylo bitterly thought that Jim probably had a college degree.

Just as he thought his night couldn’t get worse, he caught sight of Poe Dameron making his way across the room towards you and a female who looked faintly familiar. God, he fucking hated the pretentious prick. The only reason Kylo barely tolerated his presence was the fact that he was grew up with Phasma and the pair were still good buddies.

Poe caught up to you just as Jyn stopped to grab another drink from the bar cart.

“Here, let me help,” he smoothly interjected as he reached over to grab an empty glass. Normally Jyn would roll her eyes at “chivalry”, but she caught sight of Kylo’s death glare towards the pop singer and smirked. She tilted her head and coyly giggled, “Thank you! I’m Jyn, and this beautiful single lady is my friend...”

The brown haired woman choked as you sharply elbowed her in the rib at the words “single” and “lady.” Poe caught the action and laughed at your playfulness. Slipping a full glass into your hand he replied, “Hello, ladies. I’m Poe.”

If you weren’t planning on murdering your best friend, you certainly were about to. The woman suddenly turned to you and exclaimed, “I need to run to the restroom. But I’m sure Poe wouldn’t mind hanging out with you for a little bit while I’m gone?”

Ever the gentleman, Poe enthusiastically agreed and Jyn took off before you could protest. The singer watched as you quickly downed half of your glass and dryly joked, “Whoa. I never said that I was great company, but I didn’t realize I was doing so poorly already.”

You shook your head and laughed. “No, no. It’s just...I didn’t really come here to party.”

“Then why did you come?”

“I’m...geez, it sounds really immature and petty if I say it out loud.”

Poe grinned and topped your glass off as he replied, “I once signed on to be a spokesperson for a leather jacket company just to spite a vegan ex.” You tilted your head down and let out a wheezy laugh.

“Alright, but promise you won’t judge me?”

Poe stuck out a pinky finger, and you wound your finger around his own. “Promise.”

“Okay. So, Kylo Ren kind of royally pissed me off tonight, so I came here to try and irritate the shit out of him for retaliation. I’m not exactly sure how I’ll execute my plan though, since Jyn was the mastermind and now she’s nowhere to be found.”

A glimmer shone in Poe’s eyes as he casually leaned forward to whisper, “Well, you’re just in luck. I can’t stand the guy either, so why don’t we help each other out?”

You were one shot of tequila and two and half glasses of whiskey into the night.

So yeah. That sounded like a good plan.

Nodding along with the man, you softly gasped as he wound an arm around your waist. Stepping forward, he brushed his lips against your ear and murmured, “Tell me if you’re uncomfortable.” You could barely push the syllables out of your mouth as you replied, “What...what are you doing?”

Poe remained in place as he quietly replied, “Finding out whether or not Kylo Ren is a patient man.”

Your spine stiffened at the unexpected physical contact, which didn’t go unnoticed by the man. He pulled back slightly and softly continued, “I’m honestly not planning on giving you more than a hug, but we can totally stop. Just say the word.”

Willing your shoulders to relax, you snaked a hand up to rest your palms flat against his chest. “No, I’m fine. I appreciate you letting me know. I was just surprised, that’s all.”

Poe nodded. “Okay, good. Because you kind of need to look somewhat interested for this to work.”

You tossed your head back in genuine laughter as the tension dissipated. Poe cracked a wide grin and the two of you continued to chat. While the conversation itself was the furthest thing from flirty, (sure, IRA contributions are tax-deductible, but if you want penalty free early withdrawals then...) your physicality told a different story.

Once in a while, Poe would reach up to play with the bottom of your ponytail as he wrapped a few strands around his fingers. You, on the other hand, continued to slide your palms up and down his chest while tilting your face up to laugh at his jokes. It was when Poe reached over to cup the back of your neck with his hand that Kylo lost it.

He hadn’t even realized that his feet had begun to move. Somehow, he crossed the entirety of his living room and ended up awkwardly standing in front of yourself and Poe.

The pop singer smirked, “Uh, hey man. Can we help you?”

You turned so your hip was flush against Poe’s as you leaned a head against his chest. Quietly staring up at the man, you tried to conjure a look that was equal parts innocent and “fuck you”.

Shit. Kylo hadn’t thought through his plan of action. He quickly supplied, “Yeah. Your friend is looking for you.”

You raised a single eyebrow and asked, “Who?”

Fuck. Kylo looked around and took a chance. “Uh, your friend from the concert. Jim.”

Jyn? Although, you could have sworn he said “Jim”. It was super fucking loud though, and you weren’t exactly sure what he said. You certainly weren’t about to embarrass yourself by playing five rounds of “what did you say?” and having the man repeat himself. Extracting yourself from Poe’s side, you turned to give him a faux sultry gaze. “Sorry, Poe. I gotta find my friend. Call me later about that date?”

Poe nodded and gave you a wink, satisfied that the two of you had successfully riled up your mutual enemy.

Kylo held himself back from straight up hissing, and reached over to aggressively tug your wrist into his wide palm. He jerked you away and practically dragged your body across the living room. Just as the two of you disappeared around the corner and out of eyesight, Poe was suddenly joined by another person.

Arms crossed with an evil smirk on her face, Phasma stepped up and offered the man a high-five.

“Thanks, Poe. I owe you one.”

#kylo ren x reader #kylo ren x you #kylo ren #reader insert #misguided youth #modern au

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