我要是你，就開Roth IRA.

來源: 打工崽的退休夢 於 2024-01-19 07:16:59 [] [博客] [舊帖] [給我悄悄話] 閱讀數 : (589 bytes)
回答: 孩子七年級，那我就開一個traditional IRA? 由 青裁 於 2024-01-19 07:08:15

Traditional IRA的contribution，要抵AGI，對income的要求很低的：

Modified AGI limit for traditional IRA contributions increased. For 2023, if you are covered by a retirement
plan at work, your deduction for contributions to a traditional IRA is reduced (phased out) if your modified AGI is:
• More than $116,000 but less than $136,000 for a married couple filing a joint return or a qualifying surviving
spouse。。。


Roth的本金5年後可以沒有罰金拿出來。萬一孩子上大學需要，可以拿出。

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