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Cheng\u89e3\u91cb\u8aaa\uff0c\u5982\u679c\u4f60\u64d4\u5fc3\u80fd\u5426\u5b58\u5230\u5e7e\u5341\u842c\u751a\u81f3\u5e7e\u767e\u842c\u5143\uff0c\u90a3\u9ebc\u5118\u5feb\u958b\u59cb\u9000\u4f11\u8a08\u756b\u662f\u6709\u610f\u7fa9\u7684\uff0c\u5373\u4f7f\u9019\u610f\u5473\u8457\u6bcf\u6708\u53ea\u5b5850\u5143\u3002 \u8b93\u9019\u7b46\u9322\u6709\u76e1\u53ef\u80fd\u591a\u7684\u6642\u9593\u589e\u9577\u5c07\u4f7f\u4f60\u6210\u529f\u3002\u6b64\u5916\uff0cCheng\u8aaa\uff0c\u8a18\u4f4f\u4f60\u7684\u9000\u4f11\u5132\u84c4\u5305\u62ec\u4f60\u7684\u5132\u84c4\u548cSocial Securit\u4ed8\u6b3e\u3002 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content=\"2021-12-15T16:32:14+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2021-12-15T16:32:17+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u5728\u4e00\u4e9b\u57ce\u5e02\u9000\u4f11\u4f60\u5f97\u81f3\u5c11\u5b58100\u842c\u5143 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta name=\"twitter:description\" content=\"\u4f60\u8a8d\u70ba\u4f60\u9700\u8981\u70ba\u9000\u4f11\u5b58\u591a\u5c11\u9322\uff1f \u6839\u64daMagnifyMoney\uff0c\u5982\u679c\u4f60\u751f\u6d3b\u5728\u4e00\u4e9b\u5927\u57ce\u5e02\u4e2d\u7684\u4e00\u500b\uff0c\u7b54\u6848\u662f\uff1a\u9000\u4f11\u5f8c\u7dad\u6301\u666e\u901a\u751f\u6d3b\u65b9\u5f0f\uff0c\u4f60\u9700\u8981\u81f3\u5c11\u5b58100\u842c\u5143\u3002\u70ba\u4e86\u627e\u5230\u6bcf\u500b\u57ce\u5e02\u9000\u4f11\u6240\u9700\u91d1\u984d\uff0c\u5206\u6790\u5e2b\u4f7f\u7528U.S. Bureau of Labor Statistics\u3001Bureau of Economic Analysis\u3001Tax Foundation\u3001Census Bureau\u548cSocial Security Administration\u6578\u64da\uff0c\u8a08\u7b97\u5e73\u5747\u9000\u4f11\u6536\u5165\u6240\u9700\u7684\u7a05\u524d\u6536\u5165\u3002 \u8a3b\u518a\u8ca1\u52d9\u898f\u5283\u5e2bMarguerita Cheng\u8aaa\uff1a\u300c100\u842c\u5143\u662f\u500b\u5927\u6578\u5b57\u3002\u300dMarguerita Cheng\u662fBlue Ocean Global Wealth\u9996\u5e2d\u57f7\u884c\u5b98\u517c\u806f\u5408\u5275\u59cb\u4eba\uff0c\u540c\u6642\u4e5f\u662fCNBC\u9867\u554f\u59d4\u54e1\u6703\u6210\u54e1\u3002 \u5979\u88dc\u5145\u8aaa\uff0c\u770b\u5230\u9019\u500b\u6578\u5b57\uff0c\u4eba\u5011\u7121\u9700\u4e0d\u77e5\u6240\u63aa\u3002\u4f60\u53ef\u4ee5\u63d0\u524d\u505a\u4e00\u4e9b\u4e8b\u60c5\u78ba\u4fdd\u70ba\u9000\u4f11\u505a\u597d\u6e96\u5099\u3002 \u5979\u8aaa\uff1a\u300c\u4f60\u628a\u5b83\u6253\u6563\uff0c\u7136\u5f8c\u642d\u5efa\u3002\u300d \u6700\u8cb4\u57ce\u5e02\u5728\u54ea\u91cc 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\u57ce\u5e02\u5217\u8868\u5176\u9918\u90e8\u5206\u9084\u986f\u793a\uff0c\u6839\u64da\u8a08\u756b\u9000\u4f11\u7684\u5730\u9ede\uff0c\u6210\u672c\u5dee\u7570\u5f88\u5927\u3002\u64daMagnifyMoney\u5206\u6790\uff0c\u5728\u5269\u4e0b\u768493%\u7684\u57ce\u5e02\u9000\u4f11\u53ea\u9700\u4e0d\u5230100\u842c\u5143\u3002 \u300c\u9019\u7684\u78ba\u53d6\u6c7a\u65bc\u4f60\u6253\u7b97\u9000\u4f11\u7684\u5730\u5340\uff0c\u300dMangla\u8aaa\u3002\u300c\u53e6\u4e00\u65b9\u9762\uff0c\u5728\u570b\u5167\u5f88\u591a\u5730\u65b9\uff0c\u9000\u4f11\u4e0d\u9700\u8981\u90a3\u9ebc\u591a\u9322\u3002\u300d \u5728\u4e00\u5ea7\u57ce\u5e02\u2014\u2014Jackson\uff0cTennessee\u2014\u2014\u9000\u4f11\u4eba\u54e1\u6709\u4e0d\u523050\u842c\u5143\u5c31\u53ef\u4ee5\u9054\u5230\u540c\u6a23\u76ee\u6a19\u3002 \u73fe\u5728\u958b\u59cb\u6e96\u5099 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\u5229\u7528\u8af8\u5982\u96c7\u4e3b\u5339\u914d\u4e4b\u985e\u7684\u512a\u52e2\u5c07\u5e6b\u52a9\u4f60\u7684\u9000\u4f11\u57fa\u91d1\u96a8\u6642\u9593\u63a8\u79fb\u589e\u9577\u5f97\u66f4\u591a\u3002\u9019\u610f\u5473\u8457\uff0c\u91cd\u8981\u7684\u662f\u8981\u6295\u5165\u8db3\u5920\u8cc7\u91d1\u7372\u5f97\u4f60\u6709\u8cc7\u683c\u7372\u5f97\u7684\u4efb\u4f55\u5339\u914d\uff0c\u5373\u4f7f\u4f60\u4e0d\u80fd\u652f\u4ed8\u6700\u5927\u6578\u984d\u3002\u5982\u679c\u4f60\u672a\u523050\u6b72\uff0c\u57282021\u5e74\u96c7\u4e3b\u8d0a\u52a9401\uff08k\uff09\u8a08\u756b\u4e2d\uff0c\u5b83\u662f$19,500\u3002 Cheng\u8aaa\uff1a\u300c\u5728\u5339\u914d\u984d\u548c\u6700\u5927\u984d\u4e4b\u9593\u6709\u4e00\u500b\u4ee4\u4eba\u6eff\u610f\u7684\u4e2d\u9593\u6578\u3002\u300d 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Cheng\u8aaa\uff1a\u300c100\u842c\u5143\u662f\u500b\u5927\u6578\u5b57\u3002\u300dMarguerita Cheng\u662fBlue Ocean Global Wealth\u9996\u5e2d\u57f7\u884c\u5b98\u517c\u806f\u5408\u5275\u59cb\u4eba\uff0c\u540c\u6642\u4e5f\u662fCNBC\u9867\u554f\u59d4\u54e1\u6703\u6210\u54e1\u3002 \u5979\u88dc\u5145\u8aaa\uff0c\u770b\u5230\u9019\u500b\u6578\u5b57\uff0c\u4eba\u5011\u7121\u9700\u4e0d\u77e5\u6240\u63aa\u3002\u4f60\u53ef\u4ee5\u63d0\u524d\u505a\u4e00\u4e9b\u4e8b\u60c5\u78ba\u4fdd\u70ba\u9000\u4f11\u505a\u597d\u6e96\u5099\u3002 \u5979\u8aaa\uff1a\u300c\u4f60\u628a\u5b83\u6253\u6563\uff0c\u7136\u5f8c\u642d\u5efa\u3002\u300d \u6700\u8cb4\u57ce\u5e02\u5728\u54ea\u91cc \u5206\u6790\u767c\u73fe\uff0c\u670928\u500b\u57ce\u5e02\u9700\u8981\u8d85\u904e100\u842c\u5143\u624d\u80fd\u9000\u4f11\uff0c\u7d04\u5360\u5831\u544a\u4e2d\u6240\u6709\u57ce\u5e02\u76847%\u3002 \u6700\u8cb4\u57ce\u5e02\u96c6\u4e2d\u5728\u6771\u897f\u6d77\u5cb8\uff0c\u5176\u4e2d\u53ea\u6709Alaska\u3001\u52a0\u5dde\u3001\u590f\u5a01\u5937\u3001\u7d10\u7d04\u548cOregon\u4e94\u500b\u5dde\u64c1\u6709\u5169\u500b\u4ee5\u4e0a\u6700\u8cb4\u57ce\u5e02\u3002\u52a0\u5dde\u5728\u6240\u6709\u5dde\u4e2d\u6700\u591a\uff1a14\u500b\u57ce\u5e02\u9000\u4f11\u4eba\u54e1\u61c9\u6709\u8d85\u904e100\u842c\u5143\u624d\u80fd\u904e\u4e0a\u8212\u9069\u751f\u6d3b\u3002 Magneymoney\u6bcd\u516c\u53f8LendingTree\u5167\u5bb9\u9ad8\u7d1a\u7e3d\u76e3Ismat Mangla\u8aaa\uff1a\u300c\u6211\u5011\u77e5\u9053\u570b\u5167\u8a31\u591a\u6cbf\u6d77\u5730\u5340\u6709\u6700\u8cb4\u57ce\u5e02\uff0c\u9019\u4e26\u4e0d\u4ee4\u4eba\u9a5a\u8a1d\u3002\u300d \u57ce\u5e02\u5217\u8868\u5176\u9918\u90e8\u5206\u9084\u986f\u793a\uff0c\u6839\u64da\u8a08\u756b\u9000\u4f11\u7684\u5730\u9ede\uff0c\u6210\u672c\u5dee\u7570\u5f88\u5927\u3002\u64daMagnifyMoney\u5206\u6790\uff0c\u5728\u5269\u4e0b\u768493%\u7684\u57ce\u5e02\u9000\u4f11\u53ea\u9700\u4e0d\u5230100\u842c\u5143\u3002 \u300c\u9019\u7684\u78ba\u53d6\u6c7a\u65bc\u4f60\u6253\u7b97\u9000\u4f11\u7684\u5730\u5340\uff0c\u300dMangla\u8aaa\u3002\u300c\u53e6\u4e00\u65b9\u9762\uff0c\u5728\u570b\u5167\u5f88\u591a\u5730\u65b9\uff0c\u9000\u4f11\u4e0d\u9700\u8981\u90a3\u9ebc\u591a\u9322\u3002\u300d \u5728\u4e00\u5ea7\u57ce\u5e02\u2014\u2014Jackson\uff0cTennessee\u2014\u2014\u9000\u4f11\u4eba\u54e1\u6709\u4e0d\u523050\u842c\u5143\u5c31\u53ef\u4ee5\u9054\u5230\u540c\u6a23\u76ee\u6a19\u3002 \u73fe\u5728\u958b\u59cb\u6e96\u5099 Cheng\u89e3\u91cb\u8aaa\uff0c\u5982\u679c\u4f60\u64d4\u5fc3\u80fd\u5426\u5b58\u5230\u5e7e\u5341\u842c\u751a\u81f3\u5e7e\u767e\u842c\u5143\uff0c\u90a3\u9ebc\u5118\u5feb\u958b\u59cb\u9000\u4f11\u8a08\u756b\u662f\u6709\u610f\u7fa9\u7684\uff0c\u5373\u4f7f\u9019\u610f\u5473\u8457\u6bcf\u6708\u53ea\u5b5850\u5143\u3002 \u8b93\u9019\u7b46\u9322\u6709\u76e1\u53ef\u80fd\u591a\u7684\u6642\u9593\u589e\u9577\u5c07\u4f7f\u4f60\u6210\u529f\u3002\u6b64\u5916\uff0cCheng\u8aaa\uff0c\u8a18\u4f4f\u4f60\u7684\u9000\u4f11\u5132\u84c4\u5305\u62ec\u4f60\u7684\u5132\u84c4\u548cSocial Securit\u4ed8\u6b3e\u3002 \u5229\u7528\u8af8\u5982\u96c7\u4e3b\u5339\u914d\u4e4b\u985e\u7684\u512a\u52e2\u5c07\u5e6b\u52a9\u4f60\u7684\u9000\u4f11\u57fa\u91d1\u96a8\u6642\u9593\u63a8\u79fb\u589e\u9577\u5f97\u66f4\u591a\u3002\u9019\u610f\u5473\u8457\uff0c\u91cd\u8981\u7684\u662f\u8981\u6295\u5165\u8db3\u5920\u8cc7\u91d1\u7372\u5f97\u4f60\u6709\u8cc7\u683c\u7372\u5f97\u7684\u4efb\u4f55\u5339\u914d\uff0c\u5373\u4f7f\u4f60\u4e0d\u80fd\u652f\u4ed8\u6700\u5927\u6578\u984d\u3002\u5982\u679c\u4f60\u672a\u523050\u6b72\uff0c\u57282021\u5e74\u96c7\u4e3b\u8d0a\u52a9401\uff08k\uff09\u8a08\u756b\u4e2d\uff0c\u5b83\u662f$19,500\u3002 Cheng\u8aaa\uff1a\u300c\u5728\u5339\u914d\u984d\u548c\u6700\u5927\u984d\u4e4b\u9593\u6709\u4e00\u500b\u4ee4\u4eba\u6eff\u610f\u7684\u4e2d\u9593\u6578\u3002\u300d \u5979\u9084\u9f13\u52f5\u4eba\u5011\u5229\u7528\u591a\u500b\u6709\u4e0d\u540c\u7a05\u6536\u512a\u60e0\u7684\u9000\u4f11\u5e33\u6236\u3002\u96d6\u7136\u96c7\u4e3b\u8d0a\u52a9401\uff08k\uff09\u8a08\u756b\u5728\u7a05\u524d\u589e\u9577\uff0c\u4f46\u4f60\u4e5f\u53ef\u4ee5\u5728\u4f60\u53ef\u5728\u7a05\u5f8c\u4f9b\u6b3e\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e2d\u5132\u84c4\u3002Roth IRA2021\u6700\u5927\u4f9b\u6b3e\u662f6000\u5143\u3002 \u5982\u679c\u4f60\u5728\u9000\u4f11\u5132\u84c4\u4e0a\u843d\u5f8c\uff0c\u4e26\u4e14\u8d85\u904e50\u6b72\uff0c\u4f60\u61c9\u8a72\u5229\u7528\u88dc\u7e73\u7684\u6a5f\u6703\u3002\u5982\u679c\u4f6050\u6b72\u6216\u66f4\u5927\uff0c\u4f60\u57282021\u53ef\u4ee5\u628a26000\u5143\u653e\u5165401\uff08k\uff09\uff0c\u628a7000\u5143\u653e\u5728IRA\u3002 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