Compound interest!. If your tax bracket is 20%, for 10000 income, the IRS takes away 2000 bucks now. If you keep the 2000 bucks and invest for 3% gain. At the end of 20 year, you will have 3600. You will need to pay tax then but your gain outweigh your tax much more. Not to mention that by putting away 2000, it might lower your tax rate because your AGI.
Just curious, How do you count the inflation in this?
Compound interest!. If your tax bracket is 20%, for 10000 income, the IRS takes away 2000 bucks now. If you keep the 2000 bucks and invest for 3% gain. At the end of 20 year, you will have 3600. You will need to pay tax then but your gain outweigh your tax much more. Not to mention that by putting away 2000, it might lower your tax rate because your AGI.
小公司，公司不match，还有必要存401吗
我自己不高，家庭收入凑合，401不是等退休的时候一样扣税吗，那我现在不存花掉和存了几十年之后花，似乎差别不大。要是公司match，我存了才划算吧
☆ 发自 iPhone 华人一网 1.11.08
看情况，如果预计退休后每个月支出会超过现在，存401k未必核算了。
四年九万？一年2.25万？不是IRS规定之能放1.8万么？？？？多放罚款不？ 算earning你的portfolio 25% return
公司也会有MATCH。如果是2012年八月份开始工作，实际交401K是4年半。因为2012年尽管工作不满一年，401K还是可以交满的。
涨得多主要是因为股票，这几年涨了三倍
哦 是四年半阿 你能说是五年 说四年不make sense 请问投的啥股可以翻三倍？
我是说工作四年，这个月刚好4年整。
不是我投的股票，是公司match的股票。 match的很少，就2%但是涨的多。 自己投的部分收益很一般。
顶这两个MM 说的好
他回贴说match 2% - 四千五那得年收入22万5 我赚不了这么多。。。