{"id":401278,"date":"2023-09-26T18:57:24","date_gmt":"2023-09-27T01:57:24","guid":{"rendered":"https:\/\/icitynews.com\/?p=401278"},"modified":"2023-09-26T18:57:24","modified_gmt":"2023-09-27T01:57:24","slug":"%e6%82%a8%e7%9a%84%e9%80%80%e4%bc%91%e7%94%9f%e6%b4%bb%e5%8f%aa%e6%9c%89%e7%be%8e%e5%9b%bd%e7%9a%84%e7%a4%be%e4%bc%9a%e5%ae%89%e5%85%a8%e7%a6%8f%e5%88%a9%e5%b0%b1%e8%b6%b3%e5%a4%9f%e4%ba%86%e5%90%97","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=401278","title":{"rendered":"\u60a8\u7684\u9000\u4f11\u751f\u6d3b\u53ea\u6709\u7f8e\u56fd\u7684\u793e\u4f1a\u5b89\u5168\u798f\u5229\u5c31\u8db3\u591f\u4e86\u5417\uff1f"},"content":{"rendered":"<p>\u5bf9\u4e8e\u8bb8\u591a\u5916\u56fd\u670b\u53cb\u548c\u65b0\u79fb\u6c11\u6765\u8bf4\uff0c\u4ed6\u4eec\u6216\u8bb8\u5bf9\u7f8e\u56fd\u7684\u793e\u4f1a\u798f\u5229\u4f53\u7cfb\u6709\u8bb8\u591a\u9700\u8981\u4e86\u89e3\u7684\u4fe1\u606f\u3002\u4eca\u5929\u6211\u4eec\u5c06\u63ed\u793a\u7f8e\u56fd\u793e\u4f1a\u798f\u5229\u7684\u4e3b\u8981\u9879\u76ee\u548c\u5982\u4f55\u83b7\u5f97\u8fd9\u4e9b\u798f\u5229\u7684\u9014\u5f84\uff0c\u5e76\u4e3a\u60a8\u7684\u672a\u6765\uff0c\u5c24\u5176\u662f\u9000\u4f11\u540e\u7684\u8d22\u5bcc\u89c4\u5212\u63d0\u51fa\u5408\u7406\u7684\u5efa\u8bae\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u7f8e\u56fd\u7eff\u5361\u4e0e\u516c\u6c11\u7684\u793e\u4f1a\u798f\u5229<\/strong><\/p>\n<p>\u7f8e\u56fd\u7eff\u5361\u6301\u6709\u8005\u548c\u516c\u6c11\u4eab\u6709\u591a\u9879\u7f8e\u56fd\u793e\u4f1a\u798f\u5229\uff0c\u4ee5\u4e0b\u662f\u4e00\u4e9b\u57fa\u672c\u6743\u76ca\u7684\u6982\u8ff0\uff1a<\/p>\n<ol>\n<li>\u5728\u7f8e\u56fd\u4efb\u4f55\u5730\u65b9\u6c38\u4e45\u5c45\u4f4f\u3002<\/li>\n<li>\u5728\u7f8e\u56fd\u5de5\u4f5c\u3002<\/li>\n<li>\u5c31\u8bfb\u516c\u7acb\u5b66\u6821\u3002<\/li>\n<li>\u5728\u60a8\u6240\u5728\u7684\u5dde\u6216\u9886\u571f\u7533\u8bf7\u9a7e\u9a76\u6267\u7167\u3002<\/li>\n<li>\u52a0\u5165\u7f8e\u56fd\u519b\u961f\u3002<\/li>\n<li>\u5982\u679c\u7b26\u5408\u8d44\u683c\uff0c\u53ef\u4ee5\u83b7\u5f97\u793e\u4f1a\u4fdd\u969c\u3001\u793e\u4f1a\u5b89\u5168\u8865\u52a9\u91d1\u4ee5\u53ca\u8054\u90a6\u533b\u7597\u4fdd\u9669\u798f\u5229\u3002<\/li>\n<li>\u5982\u679c\u7b26\u5408\u8d44\u683c\uff0c\u53ef\u4ee5\u7533\u8bf7\u6210\u4e3a\u7f8e\u56fd\u516c\u6c11\u3002<\/li>\n<li>\u4e3a\u60a8\u7684\u914d\u5076\u548c\u672a\u5a5a\u5b50\u5973\u7533\u8bf7\u7b7e\u8bc1\uff0c\u4f7f\u5176\u80fd\u591f\u5728\u7f8e\u56fd\u751f\u6d3b\u3002<\/li>\n<li>\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\u79bb\u5f00\u5e76\u8fd4\u56de\u7f8e\u56fd\u3002<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><strong>\u7f8e\u56fd\u9000\u4f11\u540e\u6536\u5165\u6765\u6e90\u7684\u4e09\u5927\u4f53\u7cfb<\/strong><strong>\uff1a\u793e\u4f1a\u5b89\u5168\u798f\u5229\u3001\u516c\u53f8\u798f\u5229\u548c\u4e2a\u4eba\u9000\u4f11\u89c4\u5212\u3002<\/strong><\/p>\n<p><strong>\u793e\u4f1a\u5b89\u5168\u798f\u5229\uff08Social Security Benefits\uff09<\/strong><\/p>\n<p>\u793e\u4f1a\u5b89\u5168\u798f\u5229\u9886\u53d6\u57fa\u672c\u6761\u4ef6\uff1a\u62e5\u670940\u4e2a\u793e\u4f1a\u5b89\u5168\u79ef\u5206\u3002\u901a\u8fc7\u5de5\u4f5c\u83b7\u5f97\u4e3b\u52a8\u6536\u5165\u3002\u6839\u636eW2\u8868\u7684\u603b\u6536\u5165\u62161099\u8868\u7684\u51c0\u6536\u5165\u6765\u8ba1\u7b97\u3002\u88ab\u52a8\u6536\u5165\u901a\u5e38\u4e0d\u8ba1\u5165\u79ef\u5206\u8ba1\u7b97\u3002\u5bf9\u4e8e\u6d77\u5916\u6536\u5165\uff0c\u60c5\u51b5\u8f83\u4e3a\u590d\u6742\uff0c\u5efa\u8bae\u54a8\u8be2\u4f1a\u8ba1\u5e08\u30022023\u5e74\u8d77\uff0c\u6bcf$1,640\u7684\u5de5\u4f5c\u6536\u5165\u53ef\u4ee5\u7d2f\u79ef1\u4e2a\u79ef\u5206\uff0c\u6bcf\u5e74\u6700\u591a\u7d2f\u79ef4\u4e2a\u79ef\u5206\u3002\u901a\u5e38\uff0c\u5de5\u4f5c\u6ee110\u5e74\u5373\u53ef\u7d2f\u79ef40\u4e2a\u79ef\u5206\u3002<br \/>\n\u53ef\u5f81\u6536\u7684\u793e\u4f1a\u5b89\u5168\u7a0e\u7684\u6536\u5165\u6709\u4e00\u5b9a\u4e0a\u9650\uff0c2023\u5e74\u4e3a$ 160,200\u30022023 \u5e74\u96c7\u4e3b\u548c\u96c7\u5458\u7684FICA\u7a0e\u7387\u4e3a7.65% (OASDI\u4e3a6.2%\uff0c\u533b\u7597\u4fdd\u9669\u4e3a1.45%)\u3002\u6536\u5165\u8d85\u8fc7$200000\u7684\u5458\u5de5\uff0cmedicare tax\u9700\u8981\u591a\u4ea40.9%\uff0c\u4e14employer \u4e0d\u5206\u62c5\u3002\u533b\u7597\u4fdd\u9669\u7a0e\u6ca1\u6709\u5de5\u8d44\u57fa\u6570\u4e0a\u9650\u3002<\/p>\n<p>\u793e\u4f1a\u5b89\u5168\u798f\u5229\u4e3b\u8981\u5206\u4e3a\uff1a<\/p>\n<ol>\n<li><strong>\u793e\u4f1a\u5b89\u5168\u9000\u4f11\u91d1\uff08Social Security Retirement Benefits\uff09<\/strong><\/li>\n<\/ol>\n<p>\u793e\u5b89\u9000\u4f11\u91d1\u6b63\u662f\u6765\u81ea\u8fc7\u53bb\u5de5\u4f5c\u65f6\u7f34\u4ea4\u7684\u793e\u4f1a\u5b89\u5168\u7a0e\u3002\u9009\u62e9\u4f55\u65f6\u9000\u4f11\u5c06\u51b3\u5b9a\u53ef\u9886\u53d6\u7684\u793e\u5b89\u9000\u4f11\u91d1\u6570\u989d\u3002<\/p>\n<p>\u7f8e\u56fd\u91c7\u7528\u81ea\u613f\u539f\u5219\u7684&#8221;\u6e10\u8fdb\u5f0f\u9000\u4f11\u5236\u5ea6&#8221;\uff0c\u4e3b\u8981\u5206\u4e3a\u4e09\u4e2a\u5c42\u6b21\uff1a<\/p>\n<p><strong>\u63d0\u524d\u9000\u4f11\uff1a<\/strong>\u6700\u65e9\u53ef\u4ee5\u5728\u6ee162\u5c81\u65f6\u5f00\u59cb\u9886\u53d6\u9000\u4f11\u91d1\uff0c\u4f46\u9886\u53d6\u65f6\u5c06\u6253\u6298\uff0c\u8d8a\u665a\u9886\u53d6\u6253\u7684\u6298\u6263\u4e5f\u8d8a\u5c11\u3002<\/p>\n<p><strong>\u6b63\u5e38\u9000\u4f11\uff1a<\/strong>\u6839\u636e\u51fa\u751f\u65e5\u671f\u7684\u4e0d\u540c\uff0c\u7f8e\u56fd\u793e\u4f1a\u5b89\u5168\u5c40\u8bbe\u5b9a\u4e86\u4e0d\u540c\u7684\u6b63\u5e38\u9000\u4f11\u5e74\u9f84\u3002\u4f8b\u5982\uff0c1937\u5e74\u4ee5\u524d\uff08\u542b\uff09\u51fa\u751f\u7684\u4eba\u7684\u9000\u4f11\u5e74\u9f84\u662f65\u5c81\uff1b1943\u5e74\u52301954\u5e74\u4e4b\u95f4\u51fa\u751f\u7684\u4eba\u662f66\u5c81\uff1b1960\u5e74\u4ee5\u540e\uff08\u542b\uff09\u51fa\u751f\u7684\u4eba\u662f67\u5c81\u3002\u5728\u6b63\u5e38\u9000\u4f11\u5e74\u9f84\u5185\u9000\u4f11\u7684\u4eba\u53ef\u4ee5\u9886\u53d6\u5168\u989d\u7684\u9000\u4f11\u91d1\u3002<\/p>\n<p><strong>\u5ef6\u8fdf\u9000\u4f11\uff1a<\/strong>\u9664\u4e86\u539f\u6709\u7684\u9000\u4f11\u91d1\uff0c\u8fd8\u53ef\u4ee5\u83b7\u5f97\u989d\u5916\u7684\u6536\u76ca\uff0c\u79f0\u4e3a&#8221;\u5ef6\u8fdf\u9000\u4f11\u91d1\u5956\u52b1\u767e\u5206\u6bd4&#8221;\uff08Delayed Retirement Credits\uff09\uff0c\u5176\u5e45\u5ea6\u5927\u7ea6\u57283%\u81f38%\u4e4b\u95f4\u3002\u8fd9\u4e2a\u767e\u5206\u6bd4\u53ef\u4ee5\u7528\u6765\u8ba1\u7b97\u81ea\u5df1\u7684\u5ef6\u8fdf\u9000\u4f11\u91d1\u5956\u52b1\u3002<\/p>\n<p>\u5ef6\u8fdf\u9000\u4f11\u79ef\u5206\u5982\u4f55\u8ba1\u7b97\uff1a\u60a8\u53ef\u4ee5\u5c06\u5ef6\u8fdf\u9886\u53d6\u793e\u4fdd\u798f\u5229\u7684\u6708\u6570\u4e58\u4ee5 0.667\uff08\u7ea6\u4e09\u5206\u4e4b\u4e8c\uff09\u6765\u8ba1\u7b97\u5ef6\u8fdf\u9000\u4f11\u79ef\u5206\u3002\u4ee5\u6b64\u4e3a\u57fa\u6570\uff0c\u5ef6\u8fdf 12 \u4e2a\u6708\u6bcf\u5e74\u53ef\u589e\u52a0 8%\u7684\u798f\u5229\u3002<\/p>\n<p>\u4f8b\u5982\uff0c\u5982\u679c\u60a8\u5728 2023 \u5e74\u8fbe\u5230\u5b8c\u5168\u9000\u4f11\u5e74\u9f84\u9000\u4f11\uff0c\u60a8\u7684\u6700\u9ad8\u798f\u5229\u91d1\u4e3a 3,627 \u7f8e\u5143\u3002 \u4f46\u662f\uff0c\u5982\u679c\u60a8\u5728 2023 \u5e74\u8fbe\u5230 62 \u5c81\u9000\u4f11\uff0c\u60a8\u7684\u6700\u9ad8\u798f\u5229\u91d1\u4e3a 2,572 \u7f8e\u5143\uff1b\u5982\u679c\u60a8\u5728 2023 \u5e74 70 \u5c81\u9000\u4f11\uff0c\u60a8\u7684\u6700\u9ad8\u798f\u5229\u91d1\u4e3a 4,555 \u7f8e\u5143\u3002<\/p>\n<ol start=\"2\">\n<li><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-401279\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2023\/09\/1-2.jpg\" alt=\"\" width=\"529\" height=\"338\" \/>\u4f24\u6b8b\u798f\u5229\u91d1\uff08Disability Benefits\uff09<br \/>\n<\/strong>\u9700\u8981\u7b26\u5408\u6b8b\u75be\u7684\u5b9a\u4e49\u5e76\u4e14\u56e0\u4e3a\u6b8b\u75be\u4e00\u5e74\u4ee5\u4e0a\u65f6\u95f4\u65e0\u6cd5\u5de5\u4f5c\u7684\u4eba\u53ef\u4ee5\u6536\u5230\u793e\u4f1a\u4fdd\u969c\u7684\u798f\u5229\u3002\u793e\u4f1a\u5b89\u5168\u6b8b\u75be\u4fdd\u9669\u901a\u8fc7\u4e24\u4e2a\u6d4b\u8bd5\u6765\u68c0\u6d4b\u60a8\u548c\u60a8\u7684\u5bb6\u5ead\u6210\u5458\u662f\u5426\u6709\u8d44\u683c\u9886\u53d6\u798f\u5229\uff1a\u6700\u8fd1\u5de5\u4f5c\u6d4b\u8bd5\u548c\u5de5\u4f5c\u65f6\u957f\u6d4b\u8bd5\u3002\u793e\u4f1a\u8865\u52a9\u91d1\uff08\u793e\u4f1a\u4fdd\u969c\u6536\u5165\uff09\u8981\u6c42\u60a8\u7684\u6536\u5165\u548c\u8d44\u6e90\u4f4e\u4e8e\u4e00\u5b9a\u6c34\u5e73\uff0c\u6210\u5e74\u4eba\u548c\u5b69\u5b50\u90fd\u53ef\u4ee5\u6536\u5230\u798f\u5229\u3002<\/li>\n<li><strong>\u8054\u90a6\u533b\u7597\u4fdd\u9669\uff08Medicare\uff09<\/strong><\/li>\n<\/ol>\n<p>\u8054\u90a6\u533b\u7597\u4fdd\u9669\u662f\u9488\u5bf965\u5c81\u53ca\u4ee5\u4e0a\u4eba\u7fa4\u7684\u5065\u5eb7\u4fdd\u9669\u8ba1\u5212\u3002\u67d0\u4e9b65\u5c81\u4ee5\u4e0b\u7684\u4eba\u4e5f\u6709\u8d44\u683c\u4eab\u53d7\u533b\u7597\u798f\u5229\uff0c\u5305\u62ec\u6b8b\u969c\u4eba\u58eb\u548c\u6c38\u4e45\u6027\u80be\u8870\u7aed\u60a3\u8005\u3002\u4e00\u5b9a\u8981\u6ee1\u8db3\u516c\u6c11\u6216\u8005\u7eff\u5361\u5728\u7f8e\u5c45\u4f4f5\u5e74\u4ee5\u4e0a\u7684\u6761\u4ef6\u3002\u8be5\u8ba1\u5212\u5e2e\u52a9\u652f\u4ed8\u533b\u7597\u8d39\uff0c\u4f46\u4e0d\u5305\u62ec\u6240\u6709\u533b\u7597\u8d39\u7528\u6216\u5927\u591a\u6570\u957f\u671f\u62a4\u7406\u8d39\u7528\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4fdd\u8d39\u4e0e\u81ea\u4ed8\u989d\uff08Premium and Deductible\uff09:<\/p>\n<ul>\n<li>Part A\u5728\u6ee1\u8db340\u4e2a\u793e\u4f1a\u5b89\u5168\u79ef\u5206\u7684\u6761\u4ef6\u4e0b\u514d\u8d39\u3002<\/li>\n<li>2023\u5e74Medicare Part B\u6807\u51c6\u4fdd\u8d39\uff08\u4e2a\u4eba\u6536\u5165$97,000\u53ca\u4ee5\u4e0b\uff09\u4e3a$164.9\/\u6708\u3002<\/li>\n<li>Medicare Part B \u8981\u652f\u4ed8\u7684\u4fdd\u8d39\u968f\u7740\u6536\u5165\u7684\u589e\u52a0\u800c\u589e\u52a0\uff0c\u89c1\u4e0b\u56fe\uff1a<\/li>\n<li><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-401280\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2023\/09\/2-800x290.gif\" alt=\"\" width=\"800\" height=\"290\" srcset=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/09\/2-800x290.gif 800w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/09\/2-768x279.gif 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\u652f\u4ed8\u81ea\u4ed8\u989d\uff08Deductible\uff09\u4e4b\u540e\uff0cPart B\u4f1a\u5e2e\u52a9\u652f\u4ed880%\u7684\u533b\u7597\u670d\u52a1\u8d39\u3002<\/li>\n<\/ul>\n<ol start=\"4\">\n<li><strong>\u9057\u5c5e\u4fdd\u969c\u91d1\uff08Survivor Income\uff09<\/strong><\/li>\n<\/ol>\n<p>\u6839\u636e\u89c4\u5b9a\uff0c\u5458\u5de5\u53bb\u4e16\u540e\uff0c\u5176\u914d\u5076\u3001\u5b50\u5973\u3001\u7236\u6bcd\u4e5f\u53ef\u4ee5\u9886\u53d6\u5458\u5de5\u7684\u9000\u4f11\u91d1\uff0c\u4ee5\u914d\u5076\u6765\u8bf4\uff0c2023 \u5e74\u7684\u6536\u5165\u9650\u989d\u4e3a 56,520 \u7f8e\u5143\u3002<\/p>\n<ol start=\"5\">\n<li><strong>\u793e\u5b89\u88dc\u52a9\u91d1SSI\uff08Supplemental Security Income\uff09<\/strong><\/li>\n<\/ol>\n<p>\u7b26\u5408\u6761\u4ef6\u7684\u4eba\u7fa4\u5305\u62ec\u8001\u5e74\u4eba\uff0865\u5c81\u53ca\u4ee5\u4e0a\uff09\u3001\u5931\u660e\u4eba\u58eb\u3001\u6b8b\u75be\u4eba\u58eb\u4ee5\u53ca\u5176\u4ed6\u7b26\u5408\u6761\u4ef6\u7684\u4eba\u7fa4\u3002\u9664\u4e86\u793e\u4f1a\u5b89\u5168\u4fdd\u969c\u91d1\u4ee5\u5916\uff0c\u8fd8\u6709810\u4e07\u4eba\u9886\u53d6\u793e\u4f1a\u5b89\u5168\u8f85\u52a9\u91d1\uff0c\u5728\u9886\u53d6\u793e\u4f1a\u5b89\u5168\u8f85\u52a9\u91d1\u8005\u4e2d\uff0c86%\u4e3a\u6b8b\u969c\u6216\u5931\u660e\u4eba\u58eb\u3002<\/p>\n<p>\u7531\u4e8e2021\u5e74\u7b2c\u4e09\u5b63\u5ea6\u81f32022\u5e74\u7b2c\u4e09\u5b63\u5ea6\u7684\u6d88\u8d39\u7269\u4ef7\u6307\u6570\u4e0a\u5347\uff0c2023\u5e74\u7684SSI\u798f\u5229\u6709\u6240\u589e\u52a0\u3002\u81ea2023\u5e741\u67081\u65e5\u8d77\uff0c\u8054\u90a6\u798f\u5229\u91d1\u6807\u51c6\u4e3a\u4e2a\u4eba\u6bcf\u6708914\u7f8e\u5143\uff0c\u592b\u5987\u6bcf\u67081371\u7f8e\u5143\u3002<\/p>\n<p>\u6839\u636eSSA\u5b98\u7f51\u7684\u58f0\u660e\uff0c\u8001\u5e74\u548c\u9057\u5c5e\u4fdd\u9669\uff08OASI\uff09\u4fe1\u6258\u57fa\u91d1\u5c06\u80fd\u591f\u652f\u4ed8100%\u7684\u9884\u5b9a\u798f\u5229\uff0c\u76f4\u52302033\u5e74\uff0c\u6bd4\u53bb\u5e74\u62a5\u544a\u7684\u63d0\u524d\u4e00\u5e74\u3002\u5230\u90a3\u65f6\uff0c\u57fa\u91d1\u7684\u50a8\u5907\u91d1\u5c06\u8017\u5c3d\uff0c\u6301\u7eed\u7684\u8ba1\u5212\u6536\u5165\u5c06\u4ec5\u80fd\u591f\u652f\u4ed8\u603b\u8ba1\u5212\u798f\u5229\u768477%\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u516c\u53f8\u9000\u4f11\u89c4\u5212<\/p>\n<ol>\n<li><strong>SEP (Simplified Employee Pension) IRA<\/strong><strong>\uff0c\u7b80\u6613\u96c7\u5458\u9000\u4f11\u91d1<\/strong><\/li>\n<\/ol>\n<p>SEP IRA\u5c5e\u4e8e\u4e2a\u4eba\u9000\u4f11\u8ba1\u5212\uff0c\u4f46\u6709\u96c7\u4e3b\u4e3a\u96c7\u5458\u5b58\u5165\u5458\u5de5\u672c\u4eba\u540d\u4e0b\u7684\u8d26\u6237\uff0c\u662f\u4e13\u4e3a\u4e2a\u4f53\u8425\u4e1a\u4e2a\u4eba\u3001\u5c0f\u4f01\u4e1a\u96c7\u4e3b\u4ee5\u53ca\u5c0f\u4f01\u4e1a\u552f\u4e00\u96c7\u5458\u800c\u8bbe\u3002\u96c7\u4e3b\u4e0d\u9700\u8981\u6bcf\u5e74\u4f9b\u6b3e\uff0c\u5e76\u4e14\u96c7\u4e3b\u7531\u96c7\u5458\u85aa\u8d44\u4e2d\u6263\u7684\u6b3e\u9879\u53ef\u4e8e\u8be5\u7a0e\u5e74\u62b5\u7a0e, \u4f46\u6bcf\u4e2a\u5458\u5de5\u6240\u5f97\u5230\u7684\u4f9b\u6b3e\u767e\u5206\u6bd4\u5fc5\u987b\u76f8\u540c\u3002SEP IRA\u548c\u4f20\u7edfIRA\u76f8\u4f3c\u9000\u4f11\u8d26\u6237\u5185\u7684\u8d44\u91d1\u63d0\u9886\u4e4b\u524d\u4e0d\u9700\u7f34\u7a0e\u3002<\/p>\n<p>Sep IRA 2022\u5e74\u7684\u6700\u5927\u4f9b\u6b3e\u989d\u4e3a61,000\u7f8e\u5143\uff0850\u5c81\u4ee5\u4e0a\u589e\u52a03,000\uff09; \u800c2023\u5e74\u589e\u957f\u523066,000\uff0850\u5c81\u4ee5\u4e0a\u589e\u52a03,500\uff09\u7f8e\u5143\u3002<strong>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c<\/strong><strong>Traditional &amp; Roth IRA<\/strong><strong>\u8d26\u6237\u9700\u8981\u5728\u6bcf\u5e74\u62a5\u7a0e\u622a\u6b62\u4e4b\u524d\u51c6\u5907\uff0c\u800c\u53ea\u6709<\/strong><strong>SEP IRA<\/strong><strong>\u53ef\u4ee5\u5ef6\u671f\u3002<\/strong><strong>2023 <\/strong><strong>\u5e74<\/strong><strong>SEP IRA<\/strong><strong>\u4f9b\u6b3e\u622a\u6b62\u65e5\u671f\u5c06\u8fd1\uff0c\u63d0\u9192\u60a8\u63d0\u524d\u505a\u597d\u89c4\u5212\u3002<\/strong><\/p>\n<ol start=\"2\">\n<li><strong>401(K)\u00a0<\/strong><\/li>\n<\/ol>\n<p>401(k)\u8ba1\u5212\uff0c\u7b80\u5355\u6765\u8bf4\uff0c\u662f\u96c7\u4e3b\u4e3a\u5458\u5de5\u8bbe\u7acb\u7684\u4e00\u79cd\u4e13\u95e8\u8d26\u6237\uff0c\u5458\u5de5\u6bcf\u6708\u4ece\u5de5\u8d44\u4e2d\u6263\u9664\u4e00\u5b9a\u6bd4\u4f8b\u7684\u8d44\u91d1\uff0c\u5b58\u5165\u8fd9\u4e2a\u517b\u8001\u91d1\u8d26\u6237\u3002\u540c\u65f6\uff0c\u96c7\u4e3b\u901a\u5e38\u4e5f\u4f1a\u6309\u7167\u4e00\u5b9a\u6bd4\u4f8b\uff08\u4f46\u4e0d\u4f1a\u8d85\u8fc7\u5458\u5de5\u5b58\u5165\u7684\u91d1\u989d\uff09\u5c06\u76f8\u5e94\u8d44\u91d1\u5b58\u5165\u8fd9\u4e2a\u8d26\u6237\u3002\u5f53\u5458\u5de5\u9000\u4f11\u65f6\uff0c\u53ef\u4ee5\u9009\u62e9\u4e00\u6b21\u6027\u9886\u53d6\u3001\u5206\u671f\u9886\u53d6\uff0c\u6216\u5c06\u5176\u8f6c\u4e3a\u5b9a\u671f\u5b58\u6b3e\u7b49\u65b9\u5f0f\u6765\u4f7f\u7528\u8fd9\u7b14\u517b\u8001\u91d1\u3002<br \/>\n2023 \u5e74\uff0c\u5458\u5de5\u7684 401(k) \u7f34\u6b3e\u9650\u989d\u4e3a 22,500 \u7f8e\u5143\uff0c\u5982\u679c\u5e74\u9f84\u5728 50 \u5c81\u6216\u4ee5\u4e0a\uff0c\u5219\u4e3a 30,000 \u7f8e\u5143\u30022023\u5e74\u53c2\u4e0e\u4eba\u5728Defined Benefit Plan\u7684\u5e74\u798f\u5229\u4e0d\u5f97\u8d85\u8fc7265,000 \u7f8e\u5143\uff082022 \u5e74\u4e3a 245,000 \u7f8e\u5143\uff09\u3002<\/p>\n<ol start=\"3\">\n<li><strong>\u4f01\u4e1a\u517b\u8001\u91d1\u8ba1\u5212(Pension Plan)<\/strong><br \/>\n\u4f01\u4e1a\u517b\u8001\u91d1\u8ba1\u5212\u65e0\u987b\u96c7\u5458\u53c2\u4e0e\u7f34\u8d39\uff0c\u800c\u662f\u4f01\u4e1a\u4e3b\u52a8\u627f\u62c5\uff0c\u5c5e\u4e8e\u4f01\u4e1a\u5458\u5de5\u798f\u5229\u4e4b\u4e00\u3002\u5b83\u8981\u6c42\u96c7\u4e3b\u5411\u4e3a\u804c\u5de5\u672a\u6765\u798f\u5229\u800c\u9884\u7559\u7684\u8d44\u91d1\u6c60\u7f34\u6b3e\u3002\u8be5\u8d44\u91d1\u6c60\u4ee5\u96c7\u5458\u7684\u540d\u4e49\u8fdb\u884c\u6295\u8d44\uff0c\u6295\u8d44\u6536\u76ca\u5728\u96c7\u5458\u9000\u4f11\u540e\u4e3a\u5176\u5e26\u6765\u6536\u5165\u3002<br \/>\n\u517b\u8001\u91d1\u901a\u5e38\u4ee5\u6709\u4fdd\u969c\u7684\u5b9a\u671f\u652f\u4ed8\u65b9\u5f0f\u53d1\u653e\uff0c\u76f4\u81f3\u96c7\u5458\u53bb\u4e16\u3002\u4e0d\u8fc7\uff0c\u6839\u636e\u8ba1\u5212\u7684\u4e0d\u540c\uff0c\u517b\u8001\u91d1\u53ef\u80fd\u4f1a\u8f6c\u7ed9\u672a\u4ea1\u914d\u5076\u6216\u5b50\u5973\u30022023\u7684\u5e74\u798f\u5229\u4e0d\u5f97\u8d85\u8fc7265,000 \u7f8e\u5143\uff082022 \u5e74\u4e3a 245,000 \u7f8e\u5143\uff09\u3002<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>\u4e2a\u4eba\u9000\u4f11\u89c4\u5212<\/p>\n<p>\u6211\u4eec\u4e0d\u80fd\u5b8c\u5168\u4f9d\u8d56\u4e8e\u793e\u4f1a\u548c\u516c\u53f8\u7684\u798f\u5229\uff0c\u4e5f\u9700\u8981\u4e3a\u81ea\u5df1\u589e\u52a0\u4e00\u4efd\u989d\u5916\u7684\u4e2a\u4eba\u9000\u4f11\u8ba1\u5212\u4f5c\u4e3a\u4fdd\u969c\uff1a<\/p>\n<p><strong>Traditional IRA\uff0c\u4f20\u7edf\u578b\u4e2a\u4eba\u9000\u4f11\u8d26\u6237<\/strong><\/p>\n<p>\u4f20\u7edf\u578b\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\u662f\u4e00\u79cd\u5ef6\u7a0e(tax deferral)\u7684\u8d26\u6237\uff0c\u662f\u4e00\u79cd\u5177\u6709\u7a0e\u6536\u4f18\u60e0\u7684\u4e2a\u4eba\u50a8\u84c4\u8ba1\u5212\uff0c\u4f9b\u6b3e\u65f6\u6216\u53ef\u514d\u7a0e\uff0c\u4f46\u662f\u9000\u4f11\u540e\u63d0\u53d6\u65f6\u9700\u8981\u4ea4\u4e2a\u4eba\u6240\u5f97\u7a0e\u3002<\/p>\n<p>\u800c\u5982\u679c\u60a8\u9700\u8981\u572859.5\u5c81\u4e4b\u524d\u63d0\u53d6\u60a8\u7684IRA\u8d26\u6237\u5b58\u6b3e\uff0c\u9664\u975e\u6709\u7279\u6b8a\u8c41\u514d\uff0c\u90e8\u4efd\u6216\u8005\u5168\u90e8\u7684\u63d0\u53d6\u91d1\u989d\u9700\u8981\u4ea4\u4e2a\u4eba\u6240\u5f97\u7a0e\u548c\u4ea4\u4e00\u5b9a\u6570\u91cf\u7684\u7684\u7f5a\u6b3e\u3002<\/p>\n<p>\u57282023\u6bcf\u5e74\u5bf9\u6240\u6709\u4f20\u7edfIRA\u7684\u4f9b\u6b3e\u603b\u989d\u4e0d\u80fd\u8d85\u8fc76500\u7f8e\u5143 (\u5982\u679c\u4f6050\u5c81\u4ee5\u4e0a\uff0c\u5219\u4e3a7500\u7f8e\u5143)\uff1b2022\u5e74\u7684\u6570\u5b57\u4e3a6000\u7f8e\u5143\u548c50\u5c81\u4ee5\u4e0a7000\u7f8e\u5143 \u3002\u4f20\u7edfIRA\u4e0d\u53ef\u5ef6\u671f\uff0c\u53ea\u80fd\u5728\u6bcf\u5e74\u62a5\u7a0e\u622a\u6b62\u4e4b\u524d\u7f34\u7a0e\u3002<\/p>\n<p><strong>Roth IRA\uff0c\u7f57\u65af\u578b\u4e2a\u4eba\u9000\u4f11\u8d26\u6237<\/strong><\/p>\n<p>Roth IRA\u4e0e\u4f20\u7edfIRA\u4e0d\u4e00\u6837, \u6240\u62e8\u6b3e\u9879 (Contribution) \u662f\u4e0d\u80fd\u62b5\u51cf\u6536\u5165\u6216\u7701\u7a0e\u7684\u3002\u4f46\u8d26\u6237\u88ab\u52a8\u589e\u957f\u6216\u662f\u6295\u8d44\u6240\u5f97\u662f\u4e0d\u7528\u4ea4\u7a0e\u7684\u3002\u4f20\u7edfIRA\u548cRoth IRA\u5206\u522b\uff0c\u5c31\u662f\u4f20\u7edfIRA\u662f\u300c\u540e\u4ed8\u7a0e\u300d, \u800c\u53e6Roth IRA \u662f\u300c\u5148\u4ed8\u7a0e\u300d\u3002<br \/>\n\u53ea\u8981\u8be5\u8d26\u6237\u5f00\u6ee1\u4e94\u5e74\u800c\u60a8\u53c8\u5927\u4e8e59.5\u5c81\uff0c\u63d0\u53d6\u6536\u76ca\u7684\u90e8\u5206\u514d\u8054\u90a6\u7a0e, \u800c\u4e14\u4f9b\u6b3e\u53ef\u4ee5\u968f\u65f6\u63d0\u53d6\uff0c\u6ca1\u6709\u8054\u90a6\u7a0e\u6216\u7f5a\u6b3e, \u4e5f\u6ca1\u6709\u6700\u4f4e\u53d6\u6b3e\u8981\u6c42(RMD), \u53d7\u76ca\u4eba\u7684\u53d6\u6b3e\u4e5f\u662f\u514d\u7a0e\u7684\u3002<\/p>\n<ul>\n<li><strong>\u4eba\u5bff\u4fdd\u9669<\/strong><\/li>\n<\/ul>\n<ol>\n<li>\u81ea\u5df1\u548c\u5bb6\u5ead\u7684\u4fdd\u969c<\/li>\n<li>\u8d22\u5bcc\u4f20\u627f<\/li>\n<li>\u7a0e\u6536\u4f18\u60e0<\/li>\n<li>\u6307\u6570\u7b56\u7565\u7075\u6d3b<\/li>\n<li>\u7075\u6d3b\u7684\u501f\u8d37\u9009\u9879<\/li>\n<li>\u9000\u51fa\u7b56\u7565\u5bbd\u677e\uff0c\u7a0b\u5e8f\u7b80\u5355<\/li>\n<li>\u4e0d\u53d7\u7ecf\u6d4e\u5468\u671f\u5f71\u54cd<\/li>\n<li>\u751f\u524d\u798f\u5229<\/li>\n<li>\u7075\u6d3b\u7684\u4ed8\u8d39<\/li>\n<\/ol>\n<ul>\n<li><strong>\u5e74\u91d1<\/strong><\/li>\n<\/ul>\n<ol>\n<li>\u53ef\u4ee5\u5b9e\u73b0\u6c38\u7eed\u4e0d\u65ad\u5730\u6536\u5165\uff0c\u88ab\u79f0\u4e3a\u517b\u8001\u7684\u201c\u4fdd\u9669\u7bb1\u201d<\/li>\n<li>\u5e74\u91d1\u7684\u5b58\u6b3e\u5e76\u6ca1\u6709\u4e0a\u9650<\/li>\n<li>\u5176\u4ed6\u9000\u4f11\u8d26\u6237\u7684\u94b1\u4f8b\u59824O1K, IRA\u7684\u94b1\u53ef\u4ee5\u4e00\u6b21\u6027\u7684\u8f6c\u8fdb\u5e74\u91d1\u91cc\u9762<\/li>\n<li>\u5f88\u591a\u516c\u53f8\u63d0\u4f9b\u5f00\u6237\u7ea2\u5229<\/li>\n<\/ol>\n<p>\uff08\u6ce8\uff1a\u90e8\u5206\u8d44\u6599\u6765\u6e90\u4e8e\u516c\u5171\u7f51\u7edc\u6216\u516c\u5171\u8d44\u6e90\uff0c\u5982\u6709\u4fb5\u6743\u8bf7\u53ca\u65f6\u8054\u7cfb\u672c\u516c\u53f8\uff0c\u4ee5\u4fbf\u53ca\u65f6\u4fee\u6b63\u5904\u7406\uff09<\/p>\n<p>\u5982\u679c\u60a8\u6709\u76f8\u5173\u9700\u6c42\uff0c\u8bf7\u8054\u7cfb\u6211\u4eec\u3002\u6211\u4eec\u7f8e\u56fd\u5965\u6dc7\u56fd\u9645\u91d1\u878d\/\u7f8e\u56fd\u5b8f\u76db\u4fdd\u9669\u4e0e\u7406\u8d22\u516c\u53f8\u62e5\u67094000\u591a\u540d\u719f\u6089\u8d22\u52a1\u7ba1\u7406\u53ca\u4fdd\u9669\u4e0e\u7406\u8d22\u7684\u9ad8\u7aef\u4e13\u4e1a\u4eba\u58eb\uff0c\u5728\u5168\u7f8e20\u4e2a\u5206\u516c\u53f8\u4e3a\u60a8\u63d0\u4f9b\u6700\u5b8c\u5584\u7684\u4e13\u4e1a\u670d\u52a1\uff0c\u5982\u679c\u60a8\u6709\u7a0e\u52a1\u548c\u7406\u8d22\u89c4\u5212\u76f8\u5173\u95ee\u9898\uff0c\u6b22\u8fce\u968f\u65f6\u8054\u7cfb\u6211\u4eec\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-401281\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2023\/09\/3-1.jpg\" alt=\"\" width=\"628\" height=\"355\" \/><\/p>\n<p class=\"post-copyright\">\u672a\u7ecf\u5141\u8bb8\u4e0d\u5f97\u8f6c\u8f7d\uff1a<a href=\"https:\/\/icitynews.com\">\u57ce\u5e02\u65b0\u95fb\u7f51icitynews<\/a> &raquo; <a href=\"https:\/\/icitynews.com\/?p=401278\">\u60a8\u7684\u9000\u4f11\u751f\u6d3b\u53ea\u6709\u7f8e\u56fd\u7684\u793e\u4f1a\u5b89\u5168\u798f\u5229\u5c31\u8db3\u591f\u4e86\u5417\uff1f<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>\u5bf9\u4e8e\u8bb8\u591a\u5916\u56fd\u670b\u53cb\u548c\u65b0\u79fb\u6c11\u6765\u8bf4\uff0c\u4ed6\u4eec\u6216\u8bb8\u5bf9\u7f8e\u56fd\u7684\u793e\u4f1a\u798f\u5229\u4f53\u7cfb\u6709\u8bb8\u591a\u9700\u8981\u4e86\u89e3\u7684\u4fe1\u606f\u3002\u4eca\u5929\u6211\u4eec\u5c06\u63ed\u793a\u7f8e\u56fd\u793e\u4f1a\u798f\u5229\u7684\u4e3b\u8981\u9879\u76ee\u548c\u5982\u4f55\u83b7\u5f97\u8fd9\u4e9b\u798f\u5229\u7684\u9014\u5f84\uff0c\u5e76\u4e3a\u60a8\u7684\u672a\u6765\uff0c\u5c24\u5176\u662f\u9000\u4f11\u540e\u7684\u8d22\u5bcc\u89c4\u5212\u63d0\u51fa\u5408\u7406\u7684\u5efa\u8bae\u3002 &#038;n [&hellip;]<\/p>\n","protected":false},"author":61,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[9],"tags":[],"class_list":["post-401278","post","type-post","status-publish","format-standard","hentry","category-la_local_news"],"_links":{"self":[{"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/posts\/401278","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/users\/61"}],"replies":[{"embeddable":true,"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=401278"}],"version-history":[{"count":0,"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/posts\/401278\/revisions"}],"wp:attachment":[{"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=401278"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=401278"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=401278"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}