{"id":290636,"date":"2026-02-14T08:55:33","date_gmt":"2026-02-14T16:55:33","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=290636"},"modified":"2026-02-14T08:55:41","modified_gmt":"2026-02-14T16:55:41","slug":"%e5%b7%a5%e8%96%aa%e6%97%8fdc%e5%84%b2%e8%93%84%e4%b8%ad%e4%bd%8d%e6%95%b8%e5%83%85955%e5%85%83","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2026\/02\/14\/%e5%b7%a5%e8%96%aa%e6%97%8fdc%e5%84%b2%e8%93%84%e4%b8%ad%e4%bd%8d%e6%95%b8%e5%83%85955%e5%85%83\/","title":{"rendered":"\u5de5\u85aa\u65cfDC\u5132\u84c4\u4e2d\u4f4d\u6578\u50c5955\u5143"},"content":{"rendered":"\n<p>\u4e00\u9805\u65b0\u7814\u7a76\u767c\u73fe\uff0c\u7f8e\u570b\u5de5\u85aa\u65cf\u901a\u904e401\uff08k\uff09\u5e33\u6236\u7b49\u56fa\u5b9a\u7e73\u6b3e\u8a08\u756b\u70ba\u9000\u4f11\u5132\u84c4\u7684\u4e2d\u4f4d\u6578\u50c5\u70ba955\u5143\uff0c\u5176\u4e2d\u591a\u6578\u4eba\u7684\u5132\u84c4\u9060\u4f4e\u65bc\u4ed6\u5011\u5e74\u9f61\u6bb5\u7684\u5efa\u8b70\u9000\u4f11\u5132\u84c4\u76ee\u6a19\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\u6839\u64daNational 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Berkeley\u7684Center for Labor Research and Education\u4e00\u4efd\u65b0\u5831\u544a\u8aaa\uff0c\u7531\u65bc\u7f3a\u4e4f\u9000\u4f11\u5132\u84c4\uff0c\u8a31\u591a\u52a0\u5dde\u4eba\u53ef\u80fd\u5728\u4ed6\u5011\u9000\u4f11\u751f\u6d3b\u4e2d\u9677\u5165\u5411\u4e0b\u6d41\u52d5\u6027\u3002 \u8a72\u4e2d\u5fc3\u9000\u4f11\u4fdd\u969c\u5c08\u6848\u4e3b\u4efbNari Rhee\u4e00\u4efd\u65b0\u5831\u544a\u986f\u793a\uff0c25\u81f364\u6b72\u52a0\u5dde\u79c1\u71df\u90e8\u9580\u54e1\u5de5\u4e2d\uff0c\u7d04\u6709\u4e00\u534a\u6c92\u6709\u5c08\u7528\u9000\u4f11\u5132\u84c4\u3002 \u9019\u4efd\u5831\u544a\u63ed\u793a\u51fa\u79c1\u71df\u90e8\u9580\u96c7\u54e1\u548c\u5dde\u5de5\u4f5c\u5e74\u9f61\u5bb6\u5ead\u9000\u4f11\u8cc7\u7522\u56b4\u91cd\u4e0d\u8db3\u3002\u9019\u9805\u7814\u7a76\u57fa\u65bc\u5c0d\u806f\u90a6\u4eba\u53e3\u666e\u67e5\u5c40Current Population Survey\u548c\u5b83\u76842014 Survey on Income and Program Participation\u3002 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credit\uff09,\u6709\u52a9\u65bc\u90e8\u5206\u88dc\u511f\u54e1\u5de5\u81ea\u9858\u652f\u4ed8IRA\u548c401\uff08k)\u4ee5\u53ca\u985e\u4f3c\u5de5\u4f5c\u9000\u4f11\u5c08\u6848\u7684\u9996\u7b462000\u5143\u4f9b\u6b3e\u3002\u5132\u84c4\u8005\u6e1b\u514d\u53ef\u4ee5\u4f5c\u70ba\u4efb\u4f55\u5176\u4ed6\u9069\u7528\u7684\u7bc0\u7a05\u65b9\u6cd5\u7684\u88dc\u5145\u3002 \u7b26\u5408\u689d\u4ef6\u54e1\u5de5\u4ecd\u7136\u6709\u6642\u9593\u9032\u884c\u9000\u4f11\u4f9b\u6b3e\uff0c\u57282012\u5831\u7a05\u4e2d\u7372\u5f97\u5132\u84c4\u8005\u6e1b\u514d\u3002\u7d0d\u7a05\u4eba\u57282013\u5e744\u670815\u65e5\u4e4b\u524d\u8a2d\u7acb\u4e00\u500b\u65b0\u7684\u500b\u4eba\u9000\u4f11\u5b89\u6392\u6216\u5411\u5df2\u6709IRA\u5e33\u6236\u52a0\u9322\uff0c\u4ecd\u7136\u53ef\u4ee5\u7372\u5f972012\u6e1b\u514d\u3002\u4f46\u662f\uff0celective 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