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\u5ef6\u671f\u5831\u7a05\u50c5\u9650\u5ef6\u671f\u7e73\u7d0d\u5831\u7a05\u8868\uff0c\u4e0d\u5305\u62ec\u7e73\u7d0d\u7a05\u6b3e\u7684\u5ef6\u671f\u3002 \u4e00\u822c\u60c5\u6cc1\u4e0b\uff0c\u5831\u7a05\u622a\u6b62\u65e5\u671f\u662f\u57284\u670815\u65e5\uff0c\u4e0d\u904e\u4eca\u5e74\u9019\u4e00\u5929\u6b63\u597d\u662f\u9996\u90fd\u83ef\u76db\u9813\u7279\u5340\u7684\u9ed1\u5974\u89e3\u653e\u65e5 (Emancipation Day)\uff0c\u56e0\u6b64\u5411\u5f8c\u63a8\u9072\u81f34\u670818\u65e5\u3002 \u9019\u4e00\u5929\u4e5f\u662f2015\u5e74\u7d0d\u7a05\u4eba\u5411IRA\u3001Roth IRA\u3001Health Savings Account (HSA)\u3001SEP-IRA\u6216401(k)\u9000\u4f11\u5e33\u6236\u5b58\u9322\u7684\u6700\u5f8c\u671f\u9650\u3002 \u7533\u8acb\u5ef6\u671f\u8005\u53ef\u665a\u81f310\u670815\u65e5\u3002 \u53e6\u5916\uff0c\u5c0d\u65bc\u4e0d\u6025\u7b49\u9322\u7528\u7684\u7d0d\u7a05\u4eba\uff0c\u67093\u5e74\u6642\u9593\u53ef\u4ee5\u6162\u6162\u7533\u5831\u3002 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