在國內讀的本科,一畢業就來美國讀了3,4年研究生,然後工作。

They always maximized their 401K contribution and IRA after they started to work. They intially deposited Roth IRA, soon they were no longer eligible for Roth IRA, but they still contribute to non-deductible IRA each year. Their company also give generous matching, at least 8% currently.

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