American Express Centurion Card The most expensive credit card is the American Express Centurion Card (also called the Amex “Black Card”), because it has an initiation fee of up to $7,500 and a $5000 annual fee. 就楼主的那点儿收入能申请得下来黑卡？连个2%的CASH BACK都能斤斤计较的，真不想用得起黑卡的人 alanbeil 发表于 2020-10-18 13:13
回复 190楼floridapalmtree的帖子 取决于你的business federal tax classification 找irs Form W9 看看就很明白了 楼主的貌似是Corp elected S kiim 发表于 2020-10-18 23:21
https://sdirahandbook.com/self-directed-ira-investing/401k-contributions-from-s-corporation-income/ Rules for 401(k) Contribution In order to understand how s-corporations income can be contributed to a 401(k) plan, you need to understand the following three basic rules: Only W-2 Salary Income can be Contributed to a 401(k). You cannot make 401(k) contributions from dividend or net profit income that goes on your K-1. See IRS.gov for more details. Since many s-corporation owners seek to minimize their W-2 salary for self-employment tax purposes, you must carefully plan your W-2 and annual salary taking into account your annual planned 401(k) contributions. In other words, if you cut the salary too low you wont be able to contribute the maximum amounts. On the other hand, even with a low W-2 Salary from the s-corporation you’ll still be able to make excellent annual contributions to the 401(k) (up to $17,500 if you have at least that much in annual W-2 salary). Easy Elective Salary Deferral Limit of $17,500 or 100% of Your W-2, whichever is less. If you have at least $17,500 of salary income from the s-corporation, you can contribute $17,500 to your 401(k) account. Every employee under the plan is allowed to make this same contribution amount. As a result, many spouses are added to the s-corporation’s payroll (where permissible) to make an additional $17,500 contribution for the spouse’s account. If you are 50 or older, you can make an additional $5,500 annual contribution. Follow this link for the details from the IRS on the elective salary deferral limits. The elective salary deferral can be traditional dollars or Roth dollars. Non-Elective Deferral of 25% of Income Up to a $52,000 total Annual 401(k) Contribution. In addition to the $17,500 annual elective salary contribution, an s-corporation owner can contribute 25% of their salary compensation to their 401(k) account up to a maximum of a $52,000 total annual contribution. This non-elective deferral is always made with traditional dollars and cannot be Roth dollars. So, for example, if you have an annual W-2 of $100,000, you’ll be able to contribute a maximum of $25,000 as a non-elective salary deferral to your 401(k) account. If you have employees who participate in the plan besides you (the business owner) and your spouse, then the non-elective deferral calculation gets much more complicated. But for now, let’s assume there are no other employees and run through the examples. Examples Lets run through two examples. The first is an s-corporation business owner looking to contribute around $30,000 per year. The second is a business owner looking to contribute the maximum of $52,000 a year. Example 1: Seeking a $30,000 Annual Contribution. S-Corporation Owner W-2 Salary = $50,00 Elective Salary Deferral = $17,500 25% of Salary Non-Elective Deferral = $12,500 (25% of $50,00) Total Possible 401(k) Contribution = $30,000 Example 2: Seeking Maximum $52,000 Annual Contribution S-Corporation Owner W-2 Salary = $138,000 Elective Salary Deferral = $17,500 25% of Salary Non-Elective Deferral = $34,500 (25% of $138,000) Total Possible 401(k) Contribution (maximum) = $52,000 As a result of the calculations above, in order to contribute the maximum of $52,000, you need a W-2 salary from the s-corporation of $138,000. Keep in mind that if you have other employees in your business (other than owner and spouse) that you are required to do comparable matching on the 25% non-elective deferral and as a result such maximization is often difficult to accomplish in 401(k)s with employees other than the owner and their spouse. Consequently, the additional 25% non-elective salary deferral is best used in owner only 401(k) plans.
mark, Paypal key 好像没出来多久
Lz应该是申请了很多张那种年费300、400的行用卡，可能把一些business card也给申了
但这两年行用卡公司也学聪明了，各种点数都是不停贬值。lz最后能用出多少也不好说
mortgage 再交2万4，这样7万出去了，生活费不到3万？
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https://www.youtube.com/embed/aOvNHLTpjwA
楼主MM说每天花几个小时学理财。请问能推荐一些网站或者学习资料吗？ 同想学的说
知识点啊 mark了
用这个数再减 (600) non-refundable credits daycare (1,000) refund from American opportunity (1,500) non refun Ame opp (2,500) child credit $ 2000+ Son''s (over 17 yo) $ 500 credit
American opportunity； 家庭MAGI收入超过18万就没有了
另外如果withold不足需要补交的应该也可以
老公withhold6000刀；我每一个季度自己补交啊
你现在尽力把收入保持在某刻度下面，就算省了一些税，其实是完全错过了收入增加的机会。
因为收入再上一个台阶，是需要收入增加后的眼界和思量做基础的。你永远把自己的收入保持在这个水平，你的眼界和投资的想法，也就被限制在了这个水平，很难突破到更高一层。
节流你已经做得非常好了，尽量open minded一些，努力开源吧。
American Opportunity Credit在AGI160K以上就没有了。所以楼主的SOLO 401K起了很大作用。
我也是很替楼主着急。有这种钻研精神，为什么不去考虑开源多挣钱？为什么要紧扣扣的指望这里省一块钱，那里省五毛钱。不是说不行，但这绝不是最有效利用时间来挣钱的方法。
这个是每季度交estimate tax 吗？
这个是50K还是500K啊？难道你靠种菜挣了500K以上？
哎，显然是老公挣钱老婆花呀。身边爱种菜的人太多了。
16万到18万之间只有部分；计算如下
180k-magi/20000(*2,500)
其实这是我的爱好，所以学的开心！如果全职工作20万收入，我觉得值！但是我还差五万！
刚刚看到你是从纽约搬去达拉斯的，那原来就收入高，当然只管花了。光是州税市税就省了5，6万吧？
看了一下纽约州税8.82%，市税3.876%，这一搬家光income tax税就省了12.7%
给小孩开户办Roth很容易，在Fidelity, Vanguard开个账户也就5分钟的事。难点是在小孩要有earned income. 大学生暑假实习什么的肯定可以，高中生出去打工也说得过去。另外如果你家孩子弹琴很厉害有演出费也可以，其他的话要不你家小孩长得漂亮有特色去当模特也行，最后一个渠道是让你家小孩当网红在youtube挣钱也行。
要是楼主用自己1099的收入给小孩发工资也说得过去，不过给小孩的那部分应该要叫Social Security / FICA吧
没有啊！我八年前从中西部搬来的
我是说SSS2016, 她说是从纽约搬去达拉斯的
你还有什么赚钱秘方，分享一下呗
“要是楼主用自己1099的收入给小孩发工资也说得过去，不过给小孩的那部分应该要叫Social Security / FICA吧” 没看懂，为啥要叫SS/FICA？ 不就是工资吗？
孩子收入低的话，在大人的税表里又作为 dependent 的话还需要交SS和medicare吗？ 如果交的话,这一项就会造成多交 13.5%+2.9% 的税。当然这里面的雇主的那一半可以抵税，但是感觉还是有不少损失？ 有点confused.
20多万只是湾区攻城狮的入门薪资，离开财务自由还早等很呢。
德州50万，妥妥人生赢家呀~
楼主清楚地说她可以交德州地税，所以她应该有东西藏着，又想BSO又藏私货，没啥意思
你这个麻烦现实中不存在 因为家长给孩子发薪水涉嫌税务欺诈 被irs audit会有律师和cpa开销 这种火中取栗的做法不推荐使用 手把手教孩子走歪路的负面影响就更别提了
对的，或者孩子去送报纸，给邻居割草，做babysitter，去零售店之类地方打工，这些收入都可以进roth ira。但是这些都不会有多少钱就是了。
小孩子的Roth IRA同意楼上 被审查的话分分钟不合格 风险太大 动心的谨慎尝试. 8岁娃年收入4K 咋说服人？而且14岁以下是不是有个kitten tax 收入算入大人的税表？
印象中child tax credit对AIG要求蛮严格的 不超过150k? 楼主居然还能claim full amount 也是很神奇。
楼主solo ira存56k 这个是25%的收入吗？结合你还能claim childntax credit 那么在报business expense上面 也是很大胆了。
感谢楼主分享！
这其实是我的税务会计劝我做的，不然早就该给我儿子做了，除了这个，关于其他business支出非常少！少于5%。
学习了！谢谢楼主分享~~请问楼主一般在哪些网站学习理财知识呢
我认真去研究了一下，貌似PayPal和其他论坛的解读都是这个卡号被treat成credit card not debit card啊，楼主你成功了吗？真的没有additional fee?
基本上想好学什么，google search; 如果系统学习那就是看书还有youtube ！ 比如说 college financial aid SS Medicare tax various insurance-IUL 该不该买
八岁1500；不是4500. 关于56k SOLO 401k-只要NET income超过56k就符合条件 25% 是profit sharing part; EE 1contribution $19500 没有条件；剩下的要做MEGA backdoor
也想知道到底可行吗？
https://www.irs.gov/payments/pay-your-taxes-by-debit-or-credit-card
花园在哪里？
哈哈哈😂，我也在看这个。
楼主每天花这么多时间研究怎么省钱，真不如多看几个病人，多挣，比多省轻松多了
最近用过两次，都成功了！
给你私信了！
好幸福的人啊！不要像我这样努力省钱了，lol！
我还没有到种菜的专业程度；不过特想种；如果不要算计着理财的话；时间就多出来了。倒是种花种菜把自己锻炼的不怕黑不怕晒了。羡慕你只管花钱的命运！
可以试试
我觉得楼主的意思是55岁时social security income到达第二个bending point,之后边际效应递减，所以没必要继续工作下去
谢谢分享，mark一下，下次付地税的时候试试。
lz的花园很好看。
房产税我们这好像不能PayPal的。所以没有信用卡这条路
谢谢MARK下。
你们单职工的吗？
跟隔壁40万的帖子一样，在我眼里只节流不开源，浪费时间精力去算计那些零头碎脑的小钱，都是捡了芝麻丢了西瓜
墙贴留名
谢谢你的赞同！这儿还有一些。。。。
楼主的房子好漂亮！
一家4口，如果需要缴税金额在12-13万，实际税率应该不到15%吧
个税算15，fica 7.5, 再加医疗保险自负部分，怎么也要30%吧，而且楼主拿1099，自己难道不是要付double fica? 还有401K不免FICA,只延迟个税，所以平钧缴税我算他30左右
正打算开solo 401K，一头雾水
你你收来的1099全部放在你的business名下；不需要给自己发1099；前提是注册一个公司。
有没有懂的妹妹说说，这样可以吗？我理解能交56k的SOLO 401k，收入要56k*4
SOLO 401k得是收入的25%之内吧，不给自己发1099也能办 SOLO 401k吗？
那我收的1099上面应该是写我的business的名字和EIN了吧？我现在的1099 都是写的我的名字和SS#。
取决于你的business federal tax classification
找irs Form W9 看看就很明白了
楼主的貌似是Corp elected S
赞犀利
同问？ 怎么做到solo 401k max 到56k 的，不是只有25% salary 加19000 的salary deferral. 要max 到 56块，你的business 给你发的工资至少要138k 左右
https://sdirahandbook.com/self-directed-ira-investing/401k-contributions-from-s-corporation-income/
Rules for 401(k) Contribution In order to understand how s-corporations income can be contributed to a 401(k) plan, you need to understand the following three basic rules: Only W-2 Salary Income can be Contributed to a 401(k). You cannot make 401(k) contributions from dividend or net profit income that goes on your K-1. See IRS.gov for more details. Since many s-corporation owners seek to minimize their W-2 salary for self-employment tax purposes, you must carefully plan your W-2 and annual salary taking into account your annual planned 401(k) contributions. In other words, if you cut the salary too low you wont be able to contribute the maximum amounts. On the other hand, even with a low W-2 Salary from the s-corporation you’ll still be able to make excellent annual contributions to the 401(k) (up to $17,500 if you have at least that much in annual W-2 salary). Easy Elective Salary Deferral Limit of $17,500 or 100% of Your W-2, whichever is less. If you have at least $17,500 of salary income from the s-corporation, you can contribute $17,500 to your 401(k) account. Every employee under the plan is allowed to make this same contribution amount. As a result, many spouses are added to the s-corporation’s payroll (where permissible) to make an additional $17,500 contribution for the spouse’s account. If you are 50 or older, you can make an additional $5,500 annual contribution. Follow this link for the details from the IRS on the elective salary deferral limits. The elective salary deferral can be traditional dollars or Roth dollars. Non-Elective Deferral of 25% of Income Up to a $52,000 total Annual 401(k) Contribution. In addition to the $17,500 annual elective salary contribution, an s-corporation owner can contribute 25% of their salary compensation to their 401(k) account up to a maximum of a $52,000 total annual contribution. This non-elective deferral is always made with traditional dollars and cannot be Roth dollars. So, for example, if you have an annual W-2 of $100,000, you’ll be able to contribute a maximum of $25,000 as a non-elective salary deferral to your 401(k) account. If you have employees who participate in the plan besides you (the business owner) and your spouse, then the non-elective deferral calculation gets much more complicated. But for now, let’s assume there are no other employees and run through the examples. Examples Lets run through two examples. The first is an s-corporation business owner looking to contribute around $30,000 per year. The second is a business owner looking to contribute the maximum of $52,000 a year. Example 1: Seeking a $30,000 Annual Contribution. S-Corporation Owner W-2 Salary = $50,00 Elective Salary Deferral = $17,500 25% of Salary Non-Elective Deferral = $12,500 (25% of $50,00) Total Possible 401(k) Contribution = $30,000 Example 2: Seeking Maximum $52,000 Annual Contribution S-Corporation Owner W-2 Salary = $138,000 Elective Salary Deferral = $17,500 25% of Salary Non-Elective Deferral = $34,500 (25% of $138,000) Total Possible 401(k) Contribution (maximum) = $52,000 As a result of the calculations above, in order to contribute the maximum of $52,000, you need a W-2 salary from the s-corporation of $138,000. Keep in mind that if you have other employees in your business (other than owner and spouse) that you are required to do comparable matching on the 25% non-elective deferral and as a result such maximization is often difficult to accomplish in 401(k)s with employees other than the owner and their spouse. Consequently, the additional 25% non-elective salary deferral is best used in owner only 401(k) plans.
您就别跟这儿附庸风雅地学投资, 号称自己学习了，只想跑赢大盘买qqq就好啦。还学了半年 lololol……