What's so complicated?

"We’re buying each other a gift this year to keep undelivered in the gift box in addition to our normal purchases."

2022  buy $10K for self, and $10K for gift for spouse.  Do not deliver gift.

"If the interest rate is still good next year, we’ll buy normally and keep the gift in the gift box. "

2023  if rate is high, buy $10K for self.  Still hold 2002 gift don't deliver.

"If the interest rate isn’t good anymore, we’ll skip the purchase, deliver the gift, 

20XX  if rate is low, don't buy $10K for self.  Just deliver 2022 gift to spouse.   

"and cash out immediately."

20XX  since rate is low this year, once your spouse receives the gift, she cashs out. 

 

所有跟帖： 

• 多謝檸檬的分段解讀，這下就明白了，是占以後某一年份的額度 -翡翠131- ♀ (0 bytes) () 10/27/2022 postreply 08:43:45

• 我上大學學到最有用的技術就是如何看儀器說明書。 -檸檬椰子汁- ♂ (167 bytes) () 10/27/2022 postreply 08:48:44

• 可惜這個說明書不是儀器廠寫的，是擺攤的小販寫的 -slow_quick- ♂ (0 bytes) () 10/27/2022 postreply 08:53:08

• 兩個人給你答案你就謝一個人，嗨。 -2008VGirl- ♀ (0 bytes) () 10/27/2022 postreply 08:49:19

• 哈哈哈，我幫她謝吧！知道你是熱心腸 -sac- ♀ (0 bytes) () 10/27/2022 postreply 08:54:56

• 哈哈哈，謝謝你。 -2008VGirl- ♀ (0 bytes) () 10/27/2022 postreply 09:01:06