{"id":47592,"date":"2012-12-27T09:00:42","date_gmt":"2012-12-27T17:00:42","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=47592"},"modified":"2012-12-26T10:30:26","modified_gmt":"2012-12-26T18:30:26","slug":"%e7%82%ba%e9%80%80%e4%bc%91%e5%ad%98%e9%8c%a2%e5%8f%af%e4%bb%a5%e6%8a%b5%e7%a8%85","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2012\/12\/27\/%e7%82%ba%e9%80%80%e4%bc%91%e5%ad%98%e9%8c%a2%e5%8f%af%e4%bb%a5%e6%8a%b5%e7%a8%85\/","title":{"rendered":"\u70ba\u9000\u4f11\u5b58\u9322\u53ef\u4ee5\u62b5\u7a05"},"content":{"rendered":"<p><img decoding=\"async\" class=\"alignnone\" title=\"saving\" src=\"http:\/\/newrosscreditunion.com\/cuweb\/wp-content\/uploads\/girl_piggybank.jpg\" alt=\"\" width=\"600\" \/><\/p>\n<p>\u6839\u64da\u570b\u7a05\u5c40\u7684\u8aaa\u6cd5\uff0c\u4e2d\u4f4e\u6536\u5165\u54e1\u5de5\u53ef\u4ee5\u73fe\u5728\u63a1\u53d6\u63aa\u65bd\u70ba\u9000\u4f11\u5b58\u9322\uff0c\u4e26\u57282012\u5e74\u548c\u4ee5\u5f8c\u7372\u5f97<!--more-->\u7279\u5225\u7d0d\u7a05\u6e1b\u514d\u3002<\/p>\n<p>\u5132\u84c4\u8005\u6e1b\u514d(saver\u2019s credit )\u53c8\u7a31\u9000\u4f11\u5132\u84c4\u4f9b\u6b3e\u6e1b\u514d\uff08retirement savings contributions 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<\/p>\n<p>\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 deferrals\u53ef\u9078\u5ef6\u9072(\u4f9b\u6b3e\uff09\u5fc5\u9808\u5728\u4eca\u5e74\u5e74\u5e95\u524d\u652f\u4ed8\u5230401\uff08k)\u8a08\u756b\u6216\u985e\u4f3c\u5de5\u4f5c\u5834\u6240\u5c08\u6848\uff0c\u5305\u62ec\u9069\u7528\u65bc\u516c\u7acb\u5b78\u6821\u548c\u67d0\u4e9b\u514d\u7a05\u7d44\u7e54\u54e1\u5de5\u7684403\uff08b)\u8a08\u756b\u3001\u9069\u7528\u65bc\u5dde\u6216\u5730\u65b9\u653f\u5e9c\u54e1\u5de5\u7684\u653f\u5e9c457\u8a08\u756b\u3001\u4ee5\u53ca\u9069\u7528\u65bc\u806f\u90a6\u653f\u5e9c\u54e1\u5de5\u7684Thrift Savings Plan\u3002\u672a\u80fd\u70ba\u4eca\u5e74\u64a5\u5099\u6b3e\u9805\u7684\u54e1\u5de5\u53ef\u80fd\u5e0c\u671b\u5118\u5feb\u5b89\u63922013\u5e74\u4f9b\u6b3e\uff0c\u4ee5\u4fbf\u96c7\u4e3b\u53ef\u4ee5\u57281\u6708\u4efd\u958b\u59cb\u9810\u6263\u4ee3\u7e73\u7a05\u6b3e\u3002<\/p>\n<p>\u4ee5\u4e0b\u7d0d\u7a05\u4eba\u53ef\u4ee5\u7533\u8acb\u5132\u84c4\u8005\u6e1b\u514d\uff1a<\/p>\n<p>\u5df2\u5a5a\u592b\u5a66\u5171\u540c\u7533\u5831\uff0c2012\u5e74\u6536\u5165\u4e0d\u8d85\u904e57500\u5143\uff0c2013\u5e74\u6536\u5165\u4e0d\u8d85\u904e59000\u5143\u3002<\/p>\n<p>\u6236\u4e3b\u7533\u5831\uff0c2012\u5e74\u6536\u5165\u4e0d\u8d85\u904e43125\u5143,2013\u5e74\u6536\u5165\u4e0d\u8d85\u904e44250\u5143\uff1b\u4ee5\u53ca<\/p>\n<p>\u5df2\u5a5a\u500b\u4eba\u55ae\u7368\u7533\u5831\u548c\u500b\u4eba\u7533\u5831\uff0c2012\u5e74\u6536\u5165\u4e0d\u8d85\u904e28750\u5143\uff0c2013\u5e74\u4e0d\u8d85\u904e29500\u5143\u3002<\/p>\n<p>\u8207\u5176\u4ed6\u7d0d\u7a05\u6e1b\u514d\u4e00\u6a23\uff0c\u5132\u84c4\u8005\u6e1b\u514d\u53ef\u4ee5\u589e\u52a0\u4e00\u500b\u7d0d\u7a05\u4eba\u7684\u8fd4\u6b3e\u6216\u6e1b\u5c11\u61c9\u7e73\u7a05\u984d\u3002\u96d6\u7136\u5132\u84c4\u8005\u6e1b\u514d\u6700\u5927\u91d1\u984d\u70ba\u55ae\u4eba1000\u5143\u3001\u5df2\u5a5a\u592b\u5a662000\u5143\uff0c\u4f46\u570b\u7a05\u5c40\u63d0\u9192\u5927\u5bb6\uff0c\u90e8\u5206\u56e0\u70ba\u5176\u4ed6\u62b5\u6263\u548c\u6e1b\u514d\u7684\u5f71\u97ff\uff0c\u5132\u84c4\u8005\u6e1b\u514d\u91d1\u984d\u901a\u5e38\u5c11\u5f88\u591a\uff0c\u4e8b\u5be6\u4e0a\uff0c\u5c0d\u65bc\u6709\u4e9b\u7d0d\u7a05\u4eba\u4f86\u8aaa\u53ef\u80fd\u70ba\u96f6\u3002<\/p>\n<p>\u4e00\u500b\u7d0d\u7a05\u4eba\u6e1b\u514d\u984d\u7684\u591a\u5c11\u53d6\u6c7a\u65bc\u4ed6\u6216\u5979\u7684\u7533\u5831\u72c0\u614b\u3001\u8abf\u7bc0\u5f8c\u7e3d\u6536\u5165\u3001\u61c9\u7e73\u7a05\u6b3e\u548c\u5411\u7b26\u5408\u689d\u4ef6\u9000\u4f11\u5c08\u6848\u7684\u4f9b\u6b3e\u984d\u3002\u7d0d\u7a05\u4eba\u4f7f\u7528\u8868\u683c8880\u7533\u8acb\u5132\u84c4\u8005\u6e1b\u514d\uff0c\u8868\u683c\u8aaa\u660e\u5c0d\u5982\u4f55\u6b63\u78ba\u8a08\u7b97\u6e1b\u514d\u6709\u8a73\u8ff0\u3002<\/p>\n<p>\u57282010\u7a05\u5e74-\u6709\u5b8c\u6574\u6578\u64da\u53ef\u7528\u7684\u6700\u8fd1\u4e00\u5e74\uff0c\u8d85\u904e610\u842c\u4efd\u500b\u4eba\u6240\u5f97\u7a05\u7533\u5831\u7533\u8acb\u4e86\u5132\u84c4\u8005\u6e1b\u514d\uff0c\u6e1b\u514d\u91d1\u984d\u7e3d\u8a08\u8d85\u904e10\u5104\u5143\u3002\u5e73\u5747\u6bcf\u4efd\u5831\u7a05\u5132\u84c4\u8005\u6e1b\u514d\u7533\u8acb\u91d1\u984d\u70ba\uff1a\u5171\u540c\u7533\u5831204\u5143\uff0c\u6236\u4e3b165\u5143\uff0c\u4ee5\u53ca\u500b\u4eba122\u5143\u3002<\/p>\n<p>\u5c0d\u65bc\u70ba\u9000\u4f11\u5b58\u9322\u7684\u4eba\u4f86\u8aaa\uff0c\u5132\u84c4\u8005\u6e1b\u514d\u5c0d\u5176\u4ed6\u7d0d\u7a05\u798f\u5229\u662f\u500b\u88dc\u5145\u3002\u4f8b\u5982\uff0c\u5927\u591a\u6578\u54e1\u5de5\u53ef\u4ee5\u62b5\u6263\u4ed6\u5011\u50b3\u7d71IRA\u5e33\u6236\u7684\u4f9b\u6b3e\u3002\u96d6\u7136Roth IRA\u4f9b\u6b3e\u4e0d\u53ef\u4ee5\u62b5\u6263\uff0c\u4f46\u901a\u5e38\u9000\u4f11\u4e4b\u5f8c\u7b26\u5408\u689d\u4ef6\u7684\u63d0\u6b3e\u662f\u514d\u7a05\u7684\u3002\u6b63\u5e38\u4f86\u8aaa\uff0c401\uff08k)\u548c\u985e\u4f3c\u5de5\u4f5c\u5834\u6240\u8a08\u756b\u7684\u4f9b\u6b3e\u5728\u63d0\u53d6\u524d\u662f\u4e0d\u7d0d\u7a05\u7684\u3002<\/p>\n<p>\u5176\u4ed6\u9069\u7528\u65bc\u5132\u84c4\u8005\u6e1b\u514d\u7684\u7279\u5225\u898f\u5b9a\u5305\u62ec\u4ee5\u4e0b<\/p>\n<p>\u7d0d\u7a05\u4eba\u5fc5\u9808\u5e74\u6eff18\u6b72\u3002<\/p>\n<p>\u5728\u4ed6\u4eba\u7533\u5831\u4e2d\u4f5c\u70ba\u88ab\u8d0d\u990a\u4eba\u7684\u4efb\u4f55\u4eba\u4e0d\u53ef\u4ee5\u7372\u5f97\u6e1b\u514d\uff1b<\/p>\n<p>\u4e00\u500b\u5b78\u751f\u4e0d\u53ef\u4ee5\u7372\u5f97\u6e1b\u514d\u3002<\/p>\n<p>\u67d0\u4e9b\u9000\u4f11\u8a08\u756b\u5206\u914d\u6b3e\u6e1b\u5c11\u7528\u4f86\u8a08\u7b97\u6e1b\u514d\u7684\u4f9b\u6b3e\u984d\u3002\u5c312012\u5e74\u800c\u8a00\uff0c\u9019\u9805\u898f\u5247\u9069\u7528\u65bc2009\u5e74\u52302012\u5e74\u5831\u7a05\u622a\u6b62\u65e5\uff08\u5305\u62ec\u5ef6\u9577\u671f\uff09\u4e4b\u9593\u6536\u5230\u7684\u5206\u914d\u6b3e\u3002\u8868\u683c8880\u548c\u8aaa\u660e\u5c0d\u5982\u4f55\u8a08\u7b97\u6709\u8a73\u8ff0\u3002<\/p>\n<p>\u6700\u521d\u57282002\u5e74\u4f5c\u70ba\u4e00\u500b\u81e8\u6642\u898f\u5b9a\u555f\u7528\uff0c\u5132\u84c4\u8005\u6e1b\u514d\u57282006\u5e74\u6210\u70ba\u7a05\u6cd5\u6c38\u4e45\u5167\u5bb9\u3002\u70ba\u4e86\u6709\u52a9\u65bc\u78ba\u4fdd\u9019\u4e00\u6e1b\u514d\u7684\u50f9\u503c\uff0c\u6536\u5165\u6a19\u6e96\u73fe\u5728\u6bcf\u5e74\u90fd\u9032\u884c\u8abf\u6574\u4ee5\u4fdd\u6301\u8207\u901a\u8139\u540c\u6b65\u3002\u66f4\u591a\u8cc7\u8a0a\u8a2a\u554fIRS.gov.\u3002<\/p>\n<p>&nbsp;<\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"money\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1356598842\"\r\n\t            data-title=\"\u70ba\u9000\u4f11\u5b58\u9322\u53ef\u4ee5\u62b5\u7a05\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u6839\u64da\u570b\u7a05\u5c40\u7684\u8aaa\u6cd5\uff0c\u4e2d\u4f4e\u6536\u5165\u54e1\u5de5\u53ef\u4ee5\u73fe\u5728\u63a1\u53d6\u63aa\u65bd\u70ba\u9000\u4f11\u5b58\u9322\uff0c\u4e26\u57282012\u5e74\u548c\u4ee5\u5f8c\u7372\u5f97<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false},"categories":[18],"tags":[],"series":[],"class_list":["post-47592","post","type-post","status-publish","format-standard","hentry","category-money"],"aioseo_notices":[],"featured_image_urls":{},"appp_media":null,"episode_featured_image":false,"episode_player_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/11\/avatars-DFF30y5My1u3eZvX-2nXMSw-original.jpg","download_link":"","player_link":"","audio_player":false,"episode_data":{"playerMode":"dark","subscribeUrls":[],"rssFeedUrl":"https:\/\/newsforchinese.com\/v3\/feed\/podcast\/%e8%80%81%e4%b8%ad%e5%bb%a3%e6%92%ad%e9%9b%bb%e5%8f%b0","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"8FPTUCLmRY\"><a href=\"https:\/\/newsforchinese.com\/v3\/2012\/12\/27\/%e7%82%ba%e9%80%80%e4%bc%91%e5%ad%98%e9%8c%a2%e5%8f%af%e4%bb%a5%e6%8a%b5%e7%a8%85\/\">\u70ba\u9000\u4f11\u5b58\u9322\u53ef\u4ee5\u62b5\u7a05<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/newsforchinese.com\/v3\/2012\/12\/27\/%e7%82%ba%e9%80%80%e4%bc%91%e5%ad%98%e9%8c%a2%e5%8f%af%e4%bb%a5%e6%8a%b5%e7%a8%85\/embed\/#?secret=8FPTUCLmRY\" width=\"500\" height=\"350\" title=\"&#8220;\u70ba\u9000\u4f11\u5b58\u9322\u53ef\u4ee5\u62b5\u7a05&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"8FPTUCLmRY\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/newsforchinese.com\/v3\/wp-includes\/js\/wp-embed.min.js\n\/* ]]> *\/\n<\/script>\n"},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack-related-posts":[{"id":12251,"url":"https:\/\/newsforchinese.com\/v3\/2011\/03\/25\/credits-pay-tax-time\/","url_meta":{"origin":47592,"position":0},"title":"\u7d0d\u7a05\u7684\u56db\u500b\u6e1b\u514d","author":"Raymond","date":"March 25, 2011","format":false,"excerpt":"\u9000\u4f11\u5132\u84c4\u4f9b\u6b3e\u6e1b\u514d\u53c8\u7a31\u5132\u84c4\u8005\u6e1b\u514d\uff0c\u65e8\u5728\u5e6b\u52a9\u4e2d\u4f4e\u6536\u5165\u5de5\u4eba\u70ba\u9000\u4f11\u5b58\u9322\u3002\u5982\u679c\u4f60\u7684\u6536\u5165\u4f4e\u65bc\u67d0\u500b\u754c\u9650\uff0c\u4e26\u4e14\u4f60\u5411\u4e00\u500bIRA\u8cec\u6236\u6216\u5de5\u4f5c\u9000\u4f11\u8a08\u5283\u4f9b\u6b3e\uff0c\u6bd4\u5982\u4e00\u500b401\uff08K\uff09\u8a08\u5283\uff0c\u90a3\u9ebc\u4f60\u5c31\u6709\u8cc7\u683c\u3002\u5132\u84c4\u8005\u6e1b\u514d\u53ef\u4ee5\u548c\u5176\u4ed6\u4efb\u4f55\u7d0d\u7a05\u7bc0\u7d04\u65b9\u6cd5\u4e00\u8d77\u4f7f\u7528\u3002","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www-gm-opensocial.googleusercontent.com\/gadgets\/proxy\/refresh%3D3600%26container%3Dgm%26gadget%3Dhttp%3A%2F%2Fwww.google.com%2Fig%2Fmodules%2Fgm%2Fyoutube%2Fcard-youtube.xml\/http%3A\/\/i.ytimg.com\/vi\/9vh9JcMXMr0\/default.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":232444,"url":"https:\/\/newsforchinese.com\/v3\/2022\/12\/24\/%e5%9c%8b%e7%a8%85%e5%b1%80%e7%b1%b2%e4%b8%ad%e4%bd%8e%e6%94%b6%e5%85%a5%e8%80%85%ef%bc%8c%e7%8f%be%e5%8f%af%e7%82%ba%e9%80%80%e4%bc%91%e5%84%b2%e8%93%84%e6%ba%96%e5%82%99\/","url_meta":{"origin":47592,"position":1},"title":"\u570b\u7a05\u5c40\u7c72\u4e2d\u4f4e\u6536\u5165\u8005\uff0c\u73fe\u53ef\u70ba\u9000\u4f11\u5132\u84c4\u6e96\u5099","author":"Raymond","date":"December 24, 2022","format":false,"excerpt":"\u73fe\u5728\u70ba\u9000\u4f11\u5132\u84c4\uff0c\u4ee5\u5f8c\u7372\u5f97\u7a05\u6536\u62b5\u514d\uff1a\u63d0\u9ad8\u7684\u5132\u6236\u62b5\u514d\u984d\u5ea6\u53ef\u4ee5\u5e6b\u52a9\u4e2d\u4f4e\u6536\u5165\u52d9\u5de5\u8005\u5728 2023 \u5e74\u5132\u84c4\u66f4\u591a\u3002 \u570b\u7a05\u5c40\u63d0\u9192\u4e2d\u4f4e\u6536\u5165\u52d9\u5de5\u8005\uff0c\u4ed6\u5011\u73fe\u5728\u53ef\u4ee5\u70ba\u9000\u4f11\u5132\u84c4\uff0c\u4e26\u53ef\u5728 2022 \u5e74\u53ca\u672a\u4f86\u5e7e\u5e74\u7372\u5f97\u7279\u5225\u7a05\u6536\u62b5\u514d\u3002 \u9000\u4f11\u91d1\u5132\u84c4\u4f9b\u6b3e\u62b5\u514d\uff0c\u4e5f\u7a31\u70ba\u5132\u6236\u62b5\u514d\uff0c\u53ef\u7528\u65bc\u62b5\u6d88\u52d9\u5de5\u8005\u81ea\u9858\u70ba\u500b\u4eba\u9000\u4f11\u5b89\u6392\u3001401(k) \u8a08\u5283\u548c\u985e\u4f3c\u7684\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u5283\u4f9b\u6b3e\u7684\u524d 2,000 \u7f8e\u5143\u4e2d\u7684\u4e00\u90e8\u5206\u3002\u8a72\u62b5\u514d\u984d\u9084\u5e6b\u52a9\u6709\u8cc7\u683c\u7684\u6b98\u969c\u4eba\u58eb\uff0c\u5982\u679c\u4ed6\u5011\u662f\u201c\u5be6\u73fe\u66f4\u7f8e\u597d\u751f\u6d3b\u9ad4\u9a57\u201d(ABLE) \u8cec\u6236\u6307\u5b9a\u53d7\u76ca\u4eba\uff0c\u8a72\u62b5\u514d\u5e6b\u52a9\u4ed6\u5011\u5411\u8a72\u8cec\u6236\u4f9b\u6b3e\u3002\u6709\u95dc ABLE \u8cec\u6236\u7684\u66f4\u591a\u4fe1\u606f\uff0c\u8acb\u53c3\u95b1 IRS.gov \u4e0a\u7684\u51fa\u7248\u7269 907\u3002 \u7d0d\u7a05\u4eba\u9664\u4e86\u4efb\u4f55\u5176\u5b83\u9069\u7528\u7684\u7a05\u6536\u512a\u60e0\u5916\uff0c\u9084\u53ef\u4ee5\u4eab\u53d7\u5132\u6236\u62b5\u514d\u3002 \u9084\u6709\u6642\u9593\u63a1\u53d6\u884c\u52d5 \u7b26\u5408\u689d\u4ef6\u7684\u4eba\u4ecd\u6709\u6642\u9593\u9032\u884c\u5408\u683c\u7684\u9000\u4f11\u4f9b\u6b3e\uff0c\u4e26\u5728 2022 \u5e74\u7684\u7a05\u8868\u4e2d\u7372\u5f97\u5132\u6236\u62b5\u514d\u3002\u4eba\u5011\u5fc5\u9808\u5728 2023 \u5e74 4 \u6708 18 \u65e5\uff08\u63d0\u4ea4 2022 \u5e74\u7533\u5831\u8868\u7684\u622a\u6b62\u65e5\u671f\uff09\u4e4b\u524d\u5efa\u7acb\u4e00\u500b\u65b0\u7684 IRA \u6216\u70ba\u73fe\u6709\u7684 IRA \u589e\u52a0 2022 \u5e74\u7684\u8cc7\u91d1\u3002 Roth \u548c\u50b3\u7d71 IRA \u90fd\u7b26\u5408\u689d\u4ef6\u3002 \u53e6\u4e00\u65b9\u9762\uff0c\u500b\u4eba\u5982\u679c\u53c3\u8207\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u5283\uff0c\u5247\u5fc5\u9808\u5728 2022 \u5e74\u5e95\u4e4b\u524d\u63a1\u53d6\u884c\u52d5\uff0c\u4ee5\u4fbf\u8a08\u5165\u4eca\u5e74\u7684\u4f9b\u6b3e\u3002\u9019\u610f\u5473\u8457\u5fc5\u9808\u5728 12 \u6708 31 \u65e5\u4e4b\u524d\u5c07\u9078\u64c7\u6027\u5ef6\u671f\uff08\u4f9b\u6b3e\uff09\u63d0\u4ea4\u7d66\uff1a \u2022\u00a0\u00a0\u00a0 401(k) \u8a08\u5283\u3002 \u2022\u00a0\u00a0\u00a0\u2026","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/Retirement.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/Retirement.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/Retirement.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":228763,"url":"https:\/\/newsforchinese.com\/v3\/2022\/11\/06\/2023%e5%b9%b4401k%e9%99%90%e9%a1%8d%e5%a2%9e%e8%87%b322500%e7%be%8e\/","url_meta":{"origin":47592,"position":2},"title":"2023\u5e74401(k)\u9650\u984d\u589e\u81f322,500\u7f8e\u5143","author":"Raymond","date":"November 6, 2022","format":false,"excerpt":"2023\u5e74401(k)\u9650\u984d\u589e\u81f322,500\u7f8e\u5143\uff0c\u500b\u4eba\u9000\u4f11\u8cec\u6236\u9650\u984d\u589e\u81f36,500\u7f8e\u5143\u3002 \u7f8e\u570b\u570b\u7a05\u5c40\u5ba3\u5e03\uff0c\u500b\u4eba\u53ef\u4ee5\u57282023\u5e74\u70ba\u5176 401(k)\u8a08\u5283\u4f9b\u6b3e\u7684\u984d\u5ea6\u5df2\u5f9e2022\u5e74\u768420,500\u7f8e\u5143\u589e\u52a0\u523022,500\u7f8e\u5143\u3002\u570b\u7a05\u5c40\u9084\u5728IRS.gov\u4e0a\u7684\u7b2c2022-55\u865f\u901a\u77e5\u4e2d\u767c\u5e03\u4e86\u5f71\u97ff\u7f8e\u5143\u9650\u5236\u7684\u6240\u6709\u751f\u6d3b\u6210\u672c\u8abf\u6574\u7684\u6280\u8853\u6307\u5357\uff0c\u53ef\u7528\u65bc2023\u7d0d\u7a05\u5e74\u5ea6\u7684\u990a\u8001\u91d1\u8a08\u5283\u548c\u5176\u5b83\u9000\u4f11\u76f8\u95dc\u4e8b\u9805\u3002 2023\u5e74\u7684\u8b8a\u5316\u4eae\u9ede \u53c3\u52a0401(k)\u3001403(b)\u3001\u5927\u591a\u6578457\u8a08\u5283\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u5283\u7684\u54e1\u5de5\u4f9b\u6b3e\u9650\u984d\u5f9e20,500\u7f8e\u5143\u589e\u52a0\u523022,500\u7f8e\u5143\u3002 \u500b\u4eba\u9000\u4f11\u8cec\u6236 (IRA) \u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u5f9e6,000\u7f8e\u5143\u589e\u52a0\u52306,500\u7f8e\u5143\u3002 50\u6b72\u53ca\u4ee5\u4e0a\u500b\u4eba\u7684IRA\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u8cbb\u7528\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4ecd\u70ba1,000\u7f8e\u5143\u3002 \u53c3\u8207401(k)\u3001403(b)\u3001\u5927\u591a\u6578457\u8a08\u5283\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u5283\u768450\u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5f9e6,500\u7f8e\u5143\u589e\u52a0\u52307,500\u7f8e\u5143\u3002\u56e0\u6b64\uff0c\u5f9e2023\u5e74\u958b\u59cb\uff0c50\u6b72\u53ca\u4ee5\u4e0a\u7684401(k)\u3001403(b)\u3001\u5927\u591a\u6578457\u8a08\u5283\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u5283\u7684\u53c3\u8207\u8005\u6700\u591a\u53ef\u4ee5\u4f9b\u6b3e30,000\u7f8e\u5143\u3002 50\u6b72\u53ca\u4ee5\u4e0a\u53c3\u52a0SIMPLE\u8a08\u5283\u7684\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5f9e3,000\u7f8e\u5143\u589e\u52a0\u52303,500\u7f8e\u5143\u3002 \u78ba\u5b9a\u662f\u5426\u6709\u8cc7\u683c\u5411\u50b3\u7d71\u500b\u4eba\u9000\u4f11\u8cec\u6236 (IRA) \u9032\u884c\u53ef\u6263\u9664\u4f9b\u6b3e\u3001\u5411\u7f85\u65afIRA\u4f9b\u6b3e\u4ee5\u53ca\u7533\u8acb\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\u7684\u6536\u5165\u7bc4\u570d\uff0c\u57282023\u5e74\u5747\u6709\u6240\u589e\u52a0\u3002 \u5982\u679c\u7d0d\u7a05\u4eba\u6eff\u8db3\u67d0\u4e9b\u689d\u4ef6\uff0c\u53ef\u4ee5\u5c0d\u50b3\u7d71IRA\u7684\u4f9b\u6b3e\u9032\u884c\u6263\u9664\u3002\u5982\u679c\u7d0d\u7a05\u4eba\u6216\u7d0d\u7a05\u4eba\u7684\u914d\u5076\u5728\u8a72\u5e74\u5167\u6709\u52a0\u5165\u5de5\u4f5c\u4e2d\u7684\u9000\u4f11\u8a08\u5283\uff0c\u5247\u6839\u64da\u5831\u7a05\u8eab\u4efd\u548c\u6536\u5165\uff0c\u6263\u9664\u984d\u53ef\u80fd\u6703\u6e1b\u5c11\u6216\u9010\u6b65\u64a4\u92b7\uff0c\u76f4\u81f3\u53d6\u6d88\u3002 \uff08\u5982\u679c\u7d0d\u7a05\u4eba\u548c\u914d\u5076\u5747\u672a\u5728\u5de5\u4f5c\u4e2d\u52a0\u5165\u9000\u4f11\u8a08\u5283\uff0c\u5247\u9010\u6b65\u64a4\u92b7\u6263\u9664\u984d\u4e0d\u9069\u7528\u3002\uff09\u4ee5\u4e0b\u70ba2023\u5e74\u7684\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\uff1a \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u52a0\u5165\u4e86\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u5283\u7684\u55ae\u8eab\u7d0d\u7a05\u4eba\uff0c\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5f9e68,000\u7f8e\u5143\u81f378,000\u7f8e\u5143\uff0c\u589e\u52a0\u5230 73,000\u7f8e\u5143\u81f383,000\u7f8e\u5143\u4e4b\u9593\u3002 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u592b\u5a66\uff0c\u5982\u679c\u70baIRA\u4f9b\u6b3e\u7684\u914d\u5076\u6709\u52a0\u5165\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u5283\uff0c\u5247\u9010\u6b65\u64a4\u92b7\u7bc4\u570d109,000\u7f8e\u5143\u81f3129,000 \u7f8e\u5143\uff0c\u589e\u52a0\u5230116,000 \u7f8e\u5143\u81f3136,000 \u7f8e\u5143\u4e4b\u9593\u3002 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u6c92\u6709\u52a0\u5165\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u5283\u4f46\u5176\u914d\u5076\u6709\u52a0\u5165\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u5283\u7684\u4f9b\u6b3e\u4eba\uff0c\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5f9e204,000\u7f8e\u5143\u81f3214,000 \u7f8e\u5143\uff0c\u589e\u52a0\u5230 218,000 \u7f8e\u5143\u81f3 228,000 \u7f8e\u5143\u4e4b\u9593\u3002 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u52a0\u5165\u4e86\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u5283\u7684\u5df2\u5a5a\u55ae\u7368\u7533\u5831\u7684\u500b\u4eba\uff0c\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u6210\u672c\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4e26\u4e14\u4fdd\u6301\u57280\u81f310,000\u7f8e\u5143\u4e4b\u9593\u3002 \u5411\u7f85\u65afIRA\u4f9b\u6b3e\u7684\u55ae\u8eab\u8207\u6236\u4e3b\u8eab\u4efd\u7d0d\u7a05\u4eba\uff0c\u6536\u5165\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5f9e129,000 \u7f8e\u5143\u81f3144,000 \u7f8e\u5143\uff0c\u589e\u52a0\u5230138,000 \u7f8e\u5143\u81f3153,000 \u7f8e\u5143\u4e4b\u9593\u3002\u5df2\u5a5a\u5171\u540c\u7533\u5831\u7684\u592b\u5a66\uff0c\u6536\u5165\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5f9e 204,000 \u7f8e\u5143\u81f3 214,000 \u7f8e\u5143\uff0c\u589e\u52a0\u5230 218,000 \u7f8e\u5143\u81f3 228,000 \u7f8e\u5143\u4e4b\u9593\u3002\u5411\u7f85\u65afIRA\u4f9b\u6b3e\u7684\u5df2\u5a5a\u55ae\u7368\u7533\u5831\u7684\u500b\u4eba\uff0c\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u8cbb\u7528\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4fdd\u6301\u57280\u81f310,000\u7f8e\u5143\u4e4b\u9593\u3002 \u4e2d\u4f4e\u7b49\u6536\u5165\u54e1\u5de5\u7684\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\uff08\u4e5f\u7a31\u70ba\u9000\u4f11\u5132\u84c4\u4f9b\u6b3e\u62b5\u514d\u512a\u60e0\uff09\u6536\u5165\u9650\u984d\uff0c\u5982\u679c\u662f\u5df2\u5a5a\u806f\u5408\u7533\u5831\uff0c\u5f9e68,000 \u7f8e\u5143\u589e\u81f373,000 \u7f8e\u5143\uff1b\u6236\u4e3b\u7684\u8a71\uff0c\u5f9e51,000 \u7f8e\u5143\u589e\u81f354,750\u2026","rel":"","context":"In &quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/money-401k.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/money-401k.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/money-401k.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":825,"url":"https:\/\/newsforchinese.com\/v3\/2010\/08\/06\/%e5%80%8b%e4%ba%ba%e9%80%80%e4%bc%91%e8%a8%88%e5%8a%83%e4%be%9b%e6%ac%be%e5%8d%81%e6%a2%9d%e8%b2%bc%e5%a3%ab\/","url_meta":{"origin":47592,"position":3},"title":"\u500b\u4eba\u9000\u4f11\u8a08\u5283\u4f9b\u6b3e\u5341\u689d\u8cbc\u58eb","author":"Raymond","date":"August 6, 2010","format":false,"excerpt":"04-04-2010 \u5982\u679c\u4f60\u6c92\u6709\u5411\u4f60\u5e0c\u671b\u4f9b\u6b3e\u7684\u50b3\u7d71\u500b\u4eba\u9000\u4f11\u8a08\u5212\u5212\u64a5\u4f9b\u6b3e\u4e0d\u8981\u64d4\u5fc3\uff0c\u4f60\u9084\u6709\u6642\u9593\u3002\u95dc\u65bc\u5728\u570b\u7a05\u5c40\u5283\u64a5\u9000\u4f11\u91d1\uff0c\u570b\u7a05\u5c40\u5e0c\u671b\u4f60\u4e86\u89e310\u4ef6\u4e8b\u60c5\u3002 \u00a0 1.\u4f60\u53ef\u4ee5\u62b5\u6263\u4f60\u4f9b\u6b3e\u7684\u90e8\u5206\u6216\u5168\u90e8\u5230\u4f60\u7684\u570b\u7a05\u5c40\u8cec\u6236\u3002\u4f60\u4e5f\u53ef\u4ee5\u7533\u8acbSavers Credit-\u6b63\u5f0f\u540d\u7a31\u662fRetirement Savings Contributions Credit(\u9000\u4f11\u5132\u84c4\u4f9b\u6b3e\u6e1b\u514d)\u3002 \u00a0 2.\u4f9b\u6b3e\u53ef\u4ee5\u5728\u4e00\u5e74\u4e2d\u4efb\u4f55\u6642\u5019\u5283\u5230\u4f60\u7684\u50b3\u7d71IRA\u8cec\u6236\u6216\u5728\u7576\u5e74\u7d0d\u7a05\u7533\u5831\u65e5\u4e4b\u524d-\u4e0d\u5305\u542b\u5ef6\u671f\u5283\u64a5\u3002\u5c0d\u65bc\u5927\u591a\u6578\u4eba\u4f86\u8aaa\uff0c\u9019\u610f\u5473\u84572009\u5e74\u4f9b\u6b3e\u5fc5\u9808\u57282010\u5e744\u670815\u65e5\u524d\u5283\u64a5\u3002\u6b64\u5916\uff0c\u5982\u679c\u4f60\u57281\u67081\u65e5\u52304\u670815\u65e5\u4e4b\u9593\u5283\u64a5\u4f9b\u6b3e\uff0c\u4f60\u61c9\u7576\u6307\u660e\u4f9b\u6b3e\u6240\u5c0d\u61c9\u7684\u5e74\u4efd\u3002 \u00a0 3.\u4f60IRA\u8cec\u6236\u4e2d\u7684\u8cc7\u91d1\u5728\u4f60\u5f9e\u570b\u7a05\u5c40\u6536\u5230\u9322\u4e4b\u524d\u4e00\u822c\u4e0d\u7d0d\u7a05\u3002 4.\u4f7f\u7528\u8868\u683c1040A\u6216\u8868\u683c1040\u8aaa\u660e\u4e2d\u7684\u5de5\u4f5c\u55ae\u8a08\u7b97\u4f60IRA\u4f9b\u6b3e\u7684\u62b5\u6263\u3002 \u00a0 5.\u5c0d\u65bc2009\u5e74\uff0c\u4f60\u50b3\u7d71IRA\u8cec\u6236\u4f9b\u6b3e\u7684\u6700\u591a\u6578\u984d\u4e00\u822c\u662f\u4ee5\u4e0b\u6578\u984d\u4e2d\u7684\u8f03\u5c0f\u503c\uff1a50\u6b72\u6216\u4ee5\u4e0a\u7d0d\u7a05\u4eba5000\u5143\u62166000\u5143\uff1b\u6216\u7576\u5e74\u61c9\u7d0d\u7a05\u85aa\u916c\u6578\u984d\u3002 6.\u4f7f\u7528\u8868\u683c8880\uff0cCredit for Qualified Retirement Savings Contributions(\u7b26\u5408\u689d\u4ef6\u9000\u4f11\u5132\u84c4\u4f9b\u6b3e\u6e1b\u514d)\uff0c\u78ba\u5b9a\u4f60\u662f\u5426\u6709\u8cc7\u683c\u7533\u8acb\u4e00\u500b\u7b49\u65bc\u4f60\u4f9b\u6b3e\u767e\u5206\u6bd4\u7684\u7d0d\u7a05\u6e1b\u514d\u3002 \u00a0 7.\u4f60\u5fc5\u9808\u4f7f\u7528\u8868\u683c1040A\u6216\u8868\u683cA\u4e3b\u5f35Credit for Qualified Retirement Savings Contribution\u3002\u5982\u679c\u62b5\u6263\u4e00\u7b46IRA\u4f9b\u6b3e\uff0c\u540c\u6a23\u8655\u7406\u3002 \u00a0 8.\u5411\u4e00\u500b\u50b3\u7d71IRA\u8cec\u6236\u4f9b\u6b3e\uff0c\u4f60\u5728\u7d0d\u7a05\u5e74\u7d50\u675f\u524d\u5c0f\u65bc70.5\u6b72\u3002 9.\u4f60\u5fc5\u9808\u6709\u61c9\u7d0d\u7a05\u85aa\u916c\uff0c\u6bd4\u5982\u5de5\u8cc7\u3001\u85aa\u6c34\u3001\u4f63\u91d1\u3001\u5c0f\u8cbb\u3001\u734e\u91d1\u6216\u81ea\u8b00\u8077\u696d\u6de8\u6536\u5165\uff0c\u624d\u80fd\u5411IRA\u8cec\u6236\u4f9b\u6b3e\u3002\u5982\u679c\u4f60\u5171\u540c\u7533\u5831\uff0c\u4e00\u822c\u53ea\u9700\u8981\u4e00\u500b\u4eba\u6709\u61c9\u7d0d\u7a05\u85aa\u916c\uff0c\u67e5\u770bSpousal IRA Limits in IRS Publication 590, Individual Retirement Arrangements\u4e2d\u7684\u9644\u52a0\u898f\u5b9a\u3002 10.\u53c3\u95b1IRS Publication 590\u7372\u53d6IRA\u8cec\u6236\u4f9b\u6b3e\u66f4\u591a\u4fe1\u606f\u3002 \u00a0 \u8868\u683c8880\u548cPublication 590\u53ef\u4ee5\u767b\u9304IRS.gov\u4e0b\u8f09\u6216\u81f4\u96fb800-TAX-FORM(800-829-3675)\u7d22\u53d6\u3002","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":250115,"url":"https:\/\/newsforchinese.com\/v3\/2023\/12\/02\/%e5%84%b2%e6%88%b6%e6%8a%b5%e5%85%8d%e5%84%aa%e6%83%a0%e6%9c%89%e5%8a%a9%e4%b8%ad%e4%bd%8e%e6%94%b62024%e5%b9%b4%e5%a2%9e%e5%84%b2%e8%93%84\/","url_meta":{"origin":47592,"position":4},"title":"\u5132\u6236\u62b5\u514d\u512a\u60e0\u6709\u52a9\u4e2d\u4f4e\u65362024\u5e74\u589e\u5132\u84c4","author":"Raymond","date":"December 2, 2023","format":false,"excerpt":"\u5132\u6236\u62b5\u514d\u512a\u60e0\u6709\u52a9\u65bc\u4e2d\u4f4e\u6536\u5165\u7d0d\u7a05\u4eba\u57282024\u5e74\u589e\u52a0\u5132\u84c4\u3002 \u7f8e\u570b\u570b\u7a05\u5c40\u63d0\u9192\u4e2d\u4f4e\u6536\u5165\u7684\u7d0d\u7a05\u4eba\uff0c\u73fe\u5728\u53ef\u4ee5\u70ba\u9000\u4f11\u5132\u84c4\uff0c\u4e26\u6709\u53ef\u80fd\u57282024\u5e74\u53ca\u672a\u4f86\u5e7e\u5e74\u7372\u5f97\u7279\u5225\u7a05\u6536\u512a\u60e0\u3002 \u9000\u4f11\u91d1\u5132\u84c4\u4f9b\u6b3e\u62b5\u514d\u512a\u60e0\uff0c\u4e5f\u7a31\u70ba\u5132\u6236\u62b5\u514d\u512a\u60e0\uff0c\u53ef\u7528\u65bc\u62b5\u6d88\u5de5\u4f5c\u8005\u81ea\u9858\u70ba\u500b\u4eba\u9000\u4f11\u8a08\u5283\uff08IRA\uff09\u3001401(k) \u8a08\u5283\u548c\u985e\u4f3c\u7684\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u5283\u4f9b\u6b3e\u7684\u524d2,000 \u7f8e\u5143\u4e2d \u7684\u4e00\u90e8\u5206\u3002 \u6b64\u62b5\u514d\u512a\u60e0\u9084\u53ef\u5e6b\u52a9\u7b26\u5408\u8cc7\u683c\u7684\u6b98\u969c\u4eba\u58eb\uff0c\u9019\u4e9b\u4eba\u58eb\u662f\u300c\u751f\u6d3b\u9ad4\u9a57\u6539\u5584\u300d(ABLE) \u5e33\u6236\u7684\u6307\u5b9a\u53d7\u76ca\u4eba\u4e26\u5411\u8a72\u5e33\u6236\u4f9b\u6b3e\u3002 \u6709\u95dc ABLE \u5e33\u6236\u7684\u66f4\u591a\u4fe1\u606f\uff0c\u8acb\u53c3\u95b1\u300a\u7b2c907\u865f\u51fa\u7248\u7269\uff0c\u6b98\u969c\u4eba\u58eb\u7684\u7a05\u52d9\u91cd\u9ede\u300b\u3002 \u5132\u84c4\u62b5\u514d\u512a\u60e0\u6700\u9ad8\u53ef\u90541,000 \u7f8e\u5143\uff08\u5df2\u5a5a\u592b\u5a66\u70ba 2,000 \u7f8e\u5143\uff09\u3002 \u6b64\u62b5\u514d\u53ef\u4ee5\u589e\u52a0\u7d0d\u7a05\u4eba\u7684\u9000\u7a05\u6216\u6e1b\u5c11\u6b20\u7a05\uff0c\u4f46\u6703\u53d7\u5230\u5176\u4ed6\u6263\u9664\u984d\u548c\u62b5\u514d\u984d\u7684\u5f71\u97ff\u3002 \u9000\u4f11\u8a08\u5283\u6216 ABLE \u5e33\u6236\u7684\u5206\u914d\u6e1b\u5c11\u4e86\u7528\u65bc\u8a08\u7b97\u62b5\u514d\u7684\u4f9b\u6b3e\u91d1\u984d\u3002 \u4f9b\u6b3e\u622a\u6b62\u65e5\u671f\u64c1\u6709IRA\u7684\u500b\u4eba\u5fc5\u9808\u5728 2024 \u5e74 4 \u6708 15 \u65e5\u4e4b\u524d\uff08\u63d0\u4ea4 2023 \u5e74\u7a05\u8868\u7684\u622a\u6b62\u65e5\u671f\uff09\u8a2d\u7acb\u4e00\u500b\u65b0\u7684 IRA \u6216\u70ba\u73fe\u6709\u7684 IRA \u589e\u52a02023\u5e74\u7684\u8cc7\u91d1\u3002 \u7f85\u65af\u548c\u50b3\u7d71IRA\u90fd\u7b26\u5408\u689d\u4ef6\u3002\u64c1\u6709\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u756b\u7684\u500b\u4eba\u4ecd\u6709\u6642\u9593\u7e73\u7d0d\u5408\u683c\u7684\u9000\u4f11\u4f9b\u6b3e\uff0c\u4e26\u5728\u51762023 \u5e74\u7684\u7a05\u8868\u4e0a\u7372\u5f97\u5132\u84c4\u62b5\u514d\u512a\u60e0\u3002 \u5230\u4ee5\u4e0b\u5404\u9805\u7684\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u756b\u9078\u64c7\u6027\u905e\u5ef6\uff08\u4f9b\u6b3e\uff09\u5fc5\u9808\u572812\u670831\u65e5\u524d\u5b8c\u6210\uff1a 401(k) \u8a08\u5283\u3002 \u516c\u7acb\u5b78\u6821\u548c\u67d0\u4e9b\u514d\u7a05\u6a5f\u69cb\u7684\u50f1\u54e1\u7684403(b) \u8a08\u5283\u3002 \u5dde\u6216\u5730\u65b9\u653f\u5e9c\u50f1\u54e1\u7684\u653f\u5e9c457 \u8a08\u5283\u3002 \u806f\u90a6\u50f1\u54e1\u7684\u7bc0\u5109\u5132\u84c4\u8a08\u5283\uff08TSP\uff09\u3002\u8acb\u53c3\u95b1\u300a\u8868\u683c8880\uff0c\u5408\u683c\u9000\u4f11\u5132\u84c4\u4f9b\u6b3e\u62b5\u514d\u512a\u60e0\u300b \u7684\u8aaa\u660e\uff0c\u4ee5\u53d6\u5f97\u7b26\u5408\u8cc7\u683c\u7684\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u756b\u6e05\u55ae\u548c\u5176\u4ed6\u8a73\u7d30\u8cc7\u6599\u3002 \u8cc7\u683c\u689d\u4ef6\u7b26\u5408\u8cc7\u683c\u7684\u7d0d\u7a05\u4eba\u5fc5\u9808\u5e74\u6eff18 \u6b72\uff0c\u6c92\u6709\u88ab\u4ed6\u4eba\u7533\u5831\u70ba\u88ab \u64ab\u990a\u4eba\uff0c\u4e14\u4e0d\u662f\u5168\u8077\u5b78\u751f\u3002 \u5132\u6236\u62b5\u514d\u512a\u60e0\u6839\u64da\u7d0d\u7a05\u4eba\u7684\u8abf\u6574\u5f8c\u7e3d\u6536\u5165\u53ca\u5176\u5a5a\u59fb\u548c\u5831\u7a05\u8eab\u5206\u800c\u6709\u6536\u5165\u9650\u5236\u30022023\u5e74\u7684\u6536\u5165\u9650\u5236\u662f: \u5df2\u5a5a\u592b\u5a66\u806f\u5408\u5831\u7a05\uff1a\u8abf\u6574\u5f8c\u7e3d\u6536\u5165\u4e0d\u8d85\u904e73,000 \u7f8e\u5143\u3002 \u6236\u4e3b\uff1a\u8abf\u6574\u5f8c\u7e3d\u6536\u5165\u4e0d\u8d85\u904e\u2026","rel":"","context":"In &quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/06\/IRS-sends-balance-due-notices-to-many-CA-residents-causing-confusion.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/06\/IRS-sends-balance-due-notices-to-many-CA-residents-causing-confusion.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/06\/IRS-sends-balance-due-notices-to-many-CA-residents-causing-confusion.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":268753,"url":"https:\/\/newsforchinese.com\/v3\/2024\/12\/01\/2025%e5%b9%b4401k-%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0%e8%87%b3-23500-%e7%be%8e%e5%85%83\/","url_meta":{"origin":47592,"position":5},"title":"2025\u5e74401(k) \u9650\u984d\u589e\u52a0\u81f3 23,500 \u7f8e\u5143","author":"Raymond","date":"December 1, 2024","format":false,"excerpt":"2025 \u5e74 401(k) \u9650\u984d\u589e\u52a0\u81f3 23,500 \u7f8e\u5143\uff0cIRA \u9650\u984d\u4ecd\u70ba 7,000 \u7f8e\u5143\u3002 \u7f8e\u570b\u570b\u7a05\u5c40\u5ba3\u5e03\uff0c\u500b\u4eba\u53ef\u5411 401(k) \u8a08\u5283\u4f9b\u6b3e\u7684\u91d1\u984d\u5f9e 2024 \u5e74\u7684 23,000 \u7f8e\u5143\u589e\u52a0\u5230 2025 \u5e74\u7684 23,500 \u7f8e\u5143\u3002 \u570b\u7a05\u5c40\u4e5f\u5728IRS.gov \u4e0a\u767c\u5e03\u76842024-80 \u865f\u901a\u77e5\u4e2d\u767c\u5e03\u4e86\u6280\u8853\u6307\u5357\uff0c\u5c31\u6240\u6709\u5f71\u97ff2025 \u5e74\u7d0d\u7a05\u5e74\u5ea6\u7f8e\u5143\u9650\u984d\u5f71\u97ff\u990a\u8001\u91d1\u8a08\u5283\u548c\u5176\u5b83\u9000\u4f11\u76f8\u95dc\u9805\u76ee\u7684\u7f8e\u5143\u9650\u984d\u7684\u751f\u6d3b\u6210\u672c\u8abf\u6574\u9032\u884c\u4e86\u8aaa\u660e\u3002 2025 \u5e74\u8b8a\u5316\u8981\u9ede \u53c3\u52a0 401(k)\u3001403(b)\u3001\u653f\u5e9c 457 \u8a08\u756b\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u756b\u7684\u54e1\u5de5\u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u5f9e 23,000 \u7f8e\u5143\u589e\u52a0\u5230 23,500 \u7f8e\u5143\u3002 IRA \u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u4ecd\u662f 7,000 \u7f8e\u5143\u3002\u6839\u64da 2022 \u5e74\u300aSECURE 2.0 \u6cd5\u6848\u300b(SECURE 2.0)\uff0c\u5c0d 50 \u6b72\u53ca\u4ee5\u4e0a\u500b\u4eba\u7684 IRA \u8ffd\u52a0\u4f9b\u6b3e\u4f9b\u6b3e\u9650\u984d\u9032\u884c\u4e86\u4fee\u8a02\uff0c\u7d0d\u5165\u4e86\u5e74\u5ea6\u751f\u6d3b\u6210\u672c\u7528\u8abf\u6574\uff0c\u4f46 2025 \u5e74\u4ecd\u70ba 1,000\u2026","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/01\/IRS.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/47592","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/comments?post=47592"}],"version-history":[{"count":0,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/47592\/revisions"}],"wp:attachment":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media?parent=47592"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/categories?post=47592"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/tags?post=47592"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/series?post=47592"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}