普通人401K的錢可能要交40%稅！

https://bbs.wenxuecity.com/tzlc/1480994.html

這篇博文以作者（L94607 ）的親身退休體會講明了，如果不小心規劃，一個普通收入者的401K的錢拿出來時稅率會比現在高很多！可能高達40%！

這樣我們的401K的低稅率策略不就完全失敗了嗎？

諸位看官，我們都需要細細思考這個問題！

如果隻能記住一句話，這句話就是：拿了社保之後，每從401K取一塊錢，社保的0.85元就需要交稅！

五月18日更新：

這個英文網站比較詳細：

https://www.investopedia.com/ask/answers/013015/how-can-i-avoid-paying-taxes-my-social-security-income.asp

這篇文章要點（KEY TAKEAWAYS）：

• Up to 50% of Social Security income is taxable for individuals with a total gross income including Social Security of at least $25,000, or couples filing jointly with a combined gross income of at least $32,000.
• Up to 85% of Social Security benefits are taxable for an individual with a combined gross income of at least $34,000, or a couple filing jointly with a combined gross income of at least $44,000.
• Retirees who have little income other than Social Security won't be taxed on their benefits. In fact, you may not even have to file a return.
• Your focus should be on paying less overall taxes on your combined income.
• A tax-advantaged retirement account like a Roth IRA can help.