Government or higher education systems allow higher contributions than this number to 401 (not 401K) for a single employee. I guess there is no upper limit.
Government or higher education systems allow higher contributions than this number to 401 (not 401K) for a single employee. I guess there is no upper limit. mousemouse 发表于 2021-06-03 00:05
Government or higher education systems allow higher contributions than this number to 401 (not 401K) for a single employee. I guess there is no upper limit. mousemouse 发表于 2021-06-03 00:05
Government or higher education systems allow higher contributions than this number to 401 (not 401K) for a single employee. I guess there is no upper limit. mousemouse 发表于 2021-06-03 00:05
貌似只有这个和增加hsa/dependent care fsa才是正解，但是也是有上限的。楼里其他说的对于赚21万左右的都不能减税。 不过说实话，在高房价区高税区没必要搞这些了，还说多跳槽争取涨工资比较好。否则钱真的不够用。
Government or higher education systems allow higher contributions than this number to 401 (not 401K) for a single employee. I guess there is no upper limit. mousemouse 发表于 2021-06-03 00:05
回复 39楼的帖子 你记错了吧，是Roth ira有收入限制，traditional没有。 There are no income limits for Traditional IRAs,1 however there are income limits for tax deductible contributions. There are income limits for Roth IRAs. As a single filer, you can make a full contribution to a Roth IRA if your modified adjusted gross income is less than $124,000 in 2020. traditional是可以降低agi的 The money deposited into a traditional IRA reduces your adjusted gross income (AGI) for that tax year on a dollar-for-dollar basis, assuming it is within the annual contribution limits (see below). 2 So a qualifying contribution of, say, $2,000 could reduce your AGI by $2,000, giving you a tax break for that year.
回复 39楼的帖子 你记错了吧，是Roth ira有收入限制，traditional没有。 There are no income limits for Traditional IRAs,1 however there are income limits for tax deductible contributions. There are income limits for Roth IRAs. As a single filer, you can make a full contribution to a Roth IRA if your modified adjusted gross income is less than $124,000 in 2020. traditional是可以降低agi的 The money deposited into a traditional IRA reduces your adjusted gross income (AGI) for that tax year on a dollar-for-dollar basis, assuming it is within the annual contribution limits (see below). 2 So a qualifying contribution of, say, $2,000 could reduce your AGI by $2,000, giving you a tax break for that year. LazyBooBoo 发表于 2021-06-03 15:50
irs 网站 Here are the traditional IRA phase-out ranges for 2021: $66,000 to $76,000 – Single taxpayers covered by a workplace retirement plan. $105,000 to $125,000 – Married couples filing jointly. This applies when the spouse making the IRA contribution is covered by a workplace retirement plan. $198,000 to $208,000 – A taxpayer not covered by a workplace retirement plan married to someone who's covered. $0 to $10,000 – Married filing a separate return. This applies to taxpayers covered by a workplace retirement plan.
irs 网站 Here are the traditional IRA phase-out ranges for 2021: $66,000 to $76,000 – Single taxpayers covered by a workplace retirement plan. $105,000 to $125,000 – Married couples filing jointly. This applies when the spouse making the IRA contribution is covered by a workplace retirement plan. $198,000 to $208,000 – A taxpayer not covered by a workplace retirement plan married to someone who's covered. $0 to $10,000 – Married filing a separate return. This applies to taxpayers covered by a workplace retirement plan.
我能想到的是上边三项抵税，那么税前20万-46750=153250
隔壁的妹妹是如何把AGI 降到 14万8的呢？
税前21万，真的很惨 如果在高房价 高税地方 还要分享通货膨胀，苦不堪言
具体说说？
我记得只有pretax的401k能减agi吧
有。
捐钱给学校啊
Has 7000
保险，traditional ira
投资房折旧的账面亏损没法算进AGI，只能carry over啊。
有401K，没法放pre-tax IRA抵税吧
捐款把AGI降下来，再收刺激支票，合计比不捐款的收入高吗？否则不是白折腾。
Donation是deduction吧，不影响AGI
欢迎指正
这个不改变agi. 应该是Medical insurance cafeteria plan.
貌似只有这个和增加hsa/dependent care fsa才是正解，但是也是有上限的。楼里其他说的对于赚21万左右的都不能减税。 不过说实话，在高房价区高税区没必要搞这些了，还说多跳槽争取涨工资比较好。否则钱真的不够用。
可能医疗比较高，加上投资亏损每年3000。差不多到14万8。
如果夫妻已经50岁的话，每个人可以存26000到401K。另外health insurance premium是直接从AGI减掉的吧
Medical/dental/vision insurance for family: 10K? 401K for people over 50: 52000 HSA family: 6000 Dependent flexible spending: 5000
加起来可以减少72000呢
这个具体怎么操作？学校的retirement plan是403b，但是我找不到401（不是401k）的信息
401k, 403b, 457b都能减AGI吧，把存款挪到muni bond上也能减些税吧。
大概还有投资亏损和schedule c
Re这个，很多公立学校有matched pension，另外还有403 和457。高收入的可以全放满
hsa可以减agi，
529减不了agi
就这三项就51.2K了，剩下14万八千多一点。再随便存点IRA什么的就够了。不过我觉得20万税钱一般不会全部存满，要不手头太紧了点吧？
忘记了，529抵减州税但不抵减联邦税
不过这都是毛毛雨啦。。。。能多挣钱不用想着咋抵扣肯定是好的
traditional IRA 高收入 不能减税。 traditional ira tax deduction income limits 2021 joint filler $105000
FSA 对没孩子上day care的就没啥意义了吧？你能用它来交私立学费吗？
hsa可以投资
hsa很多公司match 500或一两千的，减不到7千。
HSA的钱用不完可以以后再用，不会作废 HSA的钱也可以用来投资，增长部分也是免税的
capital loss来个3k
HSA里面的钱不需要马上用掉，HSA里面的钱也可以投资啊，而且可以攒着符合HSA的账单以后慢慢reimburse就好了。
FSA可以看牙整牙看眼睛配眼镜啥的比较大的花费呀，提前和牙医在年底之前计划好大致的费用，开年就可以用了，需要的时候放钱，不需要年年放钱。
Mandatory的（TRS或ORP）根据收入的百分比可能不止这个数，voluntary的（403b/457b）如果服务年限或年龄到了还能追加，总上限会更高。
hsa一家包括match7200，不会过期，可以开通买股票账户，本金收益免税最无敌的投资了。dependent fsa可以付after care，summer camp啊，小学生也很容易用完的
HSA是不是只有High Deductiable的Plan才能存？
HSA 不是 use it or lose it 主要是存起来将来退休后医疗费用的； 和 FSA 不一样， 还可搭配起来用 HSA + Limited FSA 当年的基本preventional medical 费用就差不多cover
另外 很多 HSA 都有可以投资的部分， 和一个公司的401k 的选项差不多， bond, SPY tracking, etc.
这个帖子很好， 把之前纯灌水 凡尔赛之类里面有用的信息拿出来大家讨论， 希望你们有影响力的资深ID 多多支持这种风气 ：）
那个楼主好像是在高校工作可以额外存一个retirement account，再减去几千agi
你记错了吧，是Roth ira有收入限制，traditional没有。
There are no income limits for Traditional IRAs,1 however there are income limits for tax deductible contributions. There are income limits for Roth IRAs. As a single filer, you can make a full contribution to a Roth IRA if your modified adjusted gross income is less than $124,000 in 2020.
traditional是可以降低agi的
The money deposited into a traditional IRA reduces your adjusted gross income (AGI) for that tax year on a dollar-for-dollar basis, assuming it is within the annual contribution limits (see below). 2 So a qualifying contribution of, say, $2,000 could reduce your AGI by $2,000, giving you a tax break for that year.
感谢楼上的姐妹，FSA 可以付summer camp?
irs 网站
Here are the traditional IRA phase-out ranges for 2021: $66,000 to $76,000 – Single taxpayers covered by a workplace retirement plan. $105,000 to $125,000 – Married couples filing jointly. This applies when the spouse making the IRA contribution is covered by a workplace retirement plan. $198,000 to $208,000 – A taxpayer not covered by a workplace retirement plan married to someone who's covered. $0 to $10,000 – Married filing a separate return. This applies to taxpayers covered by a workplace retirement plan.
我们公司是这样
traditional ira这个有收入限制。夫妻俩10万5，可以减agi，高了减不了。当然你一样可以放12K美金进去，交易盈利不收税，拿出来收。所以大部分人是放roth ira，超20万走back door
同问。我家还不到20万，医保还不好一年快6千。退休账户，fsa全放满。都无法调到15万以下。。。
求个链接吧，我都不知道你看的哪个网站。我看的这个irs page，只写的roth有limit。
https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras-contributions
唉，真的这样的
因为fsa的上限是2千多 而HSA的是7千。 你的保险必须是high deductible的才能放HSA 其他的只能存fsa
roth 有income limit,但backdoor无所谓 traditional 没有income limit，谁都可以放6000，但是高收入12万5以上减不了agi
401k 39K fsa 2.75k*2 医保 6K
ours is 401a
投资房折旧也可以降AGI？
如果已经50岁的 应该不会去存daycare的FSA了吧
https://www.irs.gov/newsroom/new-income-ranges-for-ira-eligibility-in-2021
mark
thx for the summary
需要问一下公司，有HSA的情况下，一般眼睛和牙可以单独的FSA，但是只能用在自己和家人看眼睛和看牙的费用。
有收入限制，超过10万的就不能出租亏本抵扣了。反正我家的只能cover up to 3 year.