IRS有个特殊条款，https://www.irs.gov/taxtopics/tc558 No Additional 10% Tax Distributions that aren't taxable, such as distributions that you roll over to another qualified retirement plan, aren't subject to this additional 10% tax. For more information on rollovers, refer to Topic No. 413 and visit Do I Need to Report the Transfer or Rollover of an IRA or Retirement Plan on My Tax Return? There are certain exceptions to this additional 10% tax. The following exceptions apply to distributions from any qualified retirement plan: Distributions made to your beneficiary or estate on or after your death. Distributions made because you're totally and permanently disabled. Distributions made as part of a series of substantially equal periodic payments over your life expectancy or the life expectancies of you and your designated beneficiary. If these distributions are from a qualified plan other than an IRA, you must separate from service with this employer before the payments begin for this exception to apply. Distributions to the extent you have deductible medical expenses that exceed 7.5% of your adjusted gross income whether or not you itemize your deductions for the year. For more information on medical expenses, refer to Topic No. 502. Distributions made due to an IRS levy of the plan under section 6331. Distributions that are qualified reservist distributions. Generally, these are distributions made to individuals called to active duty for at least 180 days after September 11, 2001. Distributions that are excepted from the additional income tax by federal legislation relating to certain emergencies and disasters. See the Instructions for Form 5329 for more information. Distributions up to $5,000 made to you from a defined contribution plan or an IRA if the distribution is a qualified birth or adoption distribution. See the Instructions for Form 5329 for more information. The following additional exceptions apply only to distributions from a qualified retirement plan other than an IRA: Distributions made to you after you separated from service with your employer if the separation occurred in or after the year you reached age 55, or distributions made from a qualified governmental benefit plan, as defined in section 414(d) if you were a qualified public safety employee (federal state or local government) who separated from service in or after the year you reached age 50. Distributions made to an alternate payee under a qualified domestic relations order. Distributions of dividends from employee stock ownership plans.
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想起以前学校看大门的，看澡堂的，食堂卖饭的。。他们绝对被需要，经常被哀求，真是特别有成就感。
re，退休后有充实的生活非常重要，人除了基本的生存需求，被人需要是一个精神上非常享受的事情，对健康很有好处
看来你真是喜欢你的工作，我家是准备50岁退休。
没有好看又便宜的老人房。
So far唯一发现的福利是T-Mobile 55+ discount, 两条线含税$70😓
🛋️ 沙发板凳
有人说是失业的坎
哦，还有这个说法，头一次听到。
真羡慕你们身体精力好的人， 如果身体体力都不算太好，干到60岁都挺困难的。
是的，政府工五十五可退休了。
普通人55岁可以退休拿401吗？没有罚款吗？
那是大公司，小公司就没这福利了吧？
这么牛，你是干什么工作的啊？精力充沛
你这是IT公司吗？
不是的，这个是IRS的特别规定。55岁以后退休或半退休，可以从最后一份工作的401K里取钱，没有10%的罚款。但是只限于最后一份工作的401K，以前工作的401K，IRA都不行。
这个叫401K rule of 55
https://www.forbes.com/advisor/retirement/rule-of-55-retirement/
可以看看https://www.inspiretofire.com/how-to-use-a-roth-conversion-ladder-for-early-retirement/
准备干到75 的+1
不是。传统的fortune500.
我也是这么指望的 三四十岁真是被娃耗得太厉害了 不知道空巢以后有了时间 精力体力到底会咋样。
我觉的不自律的人应该干到没有公司要我 否则天天葛优躺很不好
我早自由了 球环过多次了 自由跟工作不一定矛盾 炒个股还需要退休？
這個時段 應是享受人生 不是享受工作
我以前也这么想着，干到干不动为止。这两年父母接连去世，意识到自己也不会长寿，所以干到孩子大学毕业就退休。
可以用ACA，也就是Obama care。两个人一年一万八到两万
这么贵。
被退休的感觉真的很差。
哪里搞来这么多钱？
自由不需要很多钱
感觉好些行业例如技术类的到了55岁确实竞争力不够了，唉
是啊，59岁才能开始拿，55这个可没听说过
对体力要求不高的都可以做到吧？我知道psychologist，physicians（非surgeon）很多都干到7，80
竞争什么啊，摸了一辈子鱼了，不能再摸几年吗
OBAMA CARE 只看前一年的收入 不算資產存款 所以只有退休後的第一年買高保費的保險 第二年就可以用OBAMA CARE
聽到多人經驗是 第一年不保 去國外旅遊一年 第二年就可以使用低保費的健保了
感謝分享 太好的訊息了!
你是UCI faculty？看你经常发关于Irvine的生活。
买了很多房子出租吗？
好像是大学教授吧。但工资不高啊，码工工作10年顶教授30年了。。。码工如果30开始工作，差不多45就可以退休了。。
IRS有个特殊条款，https://www.irs.gov/taxtopics/tc558
No Additional 10% Tax Distributions that aren't taxable, such as distributions that you roll over to another qualified retirement plan, aren't subject to this additional 10% tax. For more information on rollovers, refer to Topic No. 413 and visit Do I Need to Report the Transfer or Rollover of an IRA or Retirement Plan on My Tax Return? There are certain exceptions to this additional 10% tax. The following exceptions apply to distributions from any qualified retirement plan: Distributions made to your beneficiary or estate on or after your death. Distributions made because you're totally and permanently disabled. Distributions made as part of a series of substantially equal periodic payments over your life expectancy or the life expectancies of you and your designated beneficiary. If these distributions are from a qualified plan other than an IRA, you must separate from service with this employer before the payments begin for this exception to apply. Distributions to the extent you have deductible medical expenses that exceed 7.5% of your adjusted gross income whether or not you itemize your deductions for the year. For more information on medical expenses, refer to Topic No. 502. Distributions made due to an IRS levy of the plan under section 6331. Distributions that are qualified reservist distributions. Generally, these are distributions made to individuals called to active duty for at least 180 days after September 11, 2001. Distributions that are excepted from the additional income tax by federal legislation relating to certain emergencies and disasters. See the Instructions for Form 5329 for more information. Distributions up to $5,000 made to you from a defined contribution plan or an IRA if the distribution is a qualified birth or adoption distribution. See the Instructions for Form 5329 for more information. The following additional exceptions apply only to distributions from a qualified retirement plan other than an IRA: Distributions made to you after you separated from service with your employer if the separation occurred in or after the year you reached age 55, or distributions made from a qualified governmental benefit plan, as defined in section 414(d) if you were a qualified public safety employee (federal state or local government) who separated from service in or after the year you reached age 50. Distributions made to an alternate payee under a qualified domestic relations order. Distributions of dividends from employee stock ownership plans.
Re 我四十以后就在摸鱼了，按时做好分内的事，不操心不多问不多嘴。老牌大公司，公司里比我还摸鱼的老员工有的是。
女性怎么可能没事干，有的不工作了时间还是不够用
原来是这样。 我感觉这项条款也partly说明55岁layoff的人确实不好找下家。
据我这几年对父母辈的观察，80是一个大砍，小样本里面多绝大部分的人没过80岁。过了的也没过几年 如果按80作为均值，那么75岁退休也就能拿大概5年左右的退休金，其他的时候都是在交钱
系里前两年有一个老师一直不退，据说工龄很长，退休的话能拿100%，等于不干活能拿一样的工资。后来好不容易退了，过了一两年就去世了，也就是交了一辈子钱，才拿了一两年的退休金。
所以，工作太长时间也不好。不如适当的时候退了（比如65， 70）享几年轻松的日子。很多人60-65左右身体就开始出现大毛病了。
认识的朋友同学啥的，父母85+基本是标配。
当然，自己能健康活多久up to luck，如果运气不好，认栽。我主要是喜欢工作 + 工作轻松没压力，不耽误做其他事情。我没有hobby需要全职去追求。
有几个朋友50左右就辞职了。因为老公还在工作，她们也没跑出去玩，基本都在家。各人有各人preference吧。她们时间上优于我的是，如果国内父母有事，她们可以回国几个月。当然covid现在也做不到。
可能有些人业余生活安排的挺满吧，也挺好。 我也有很多业余爱好， 可我还是喜欢工作，可能是我目前的工作不累，又可以在家工作的原因吧。 每个人情况不同， 因人而宜吧。
"更年期的时候跟疯子一样", 男人的更年期也可以这麽可怕啊？
谢谢科普
中国人退休特别是老一代的退休就是等死，我们这代人退休不会这样过的，起码帮着长期带孩子的不会那么多了。
赞！希望有精力能干到那个年纪！好奇mm是做什么行业的？
会的。我爸会吃着吃着饭然后说到我们不听话，或者我们说了什么话不是他爱听的，突然就掀桌，摔碗筷，然后跪在我爷爷奶奶照片面前放声大哭，大喊对不起祖宗不孝什么的，一直这样大哭好几个小时。我因为常年在国外只见过一次，我妹说发生过好多次了，我妹那会儿还怀着孕呢。我看着都惊呆了，完全反应不过来，不知道该怎么办，跟傻子似的好久。我妈他们说不用管，过几个小时就好了，真的一阵阵的过几个小时就好了。
是的，想早退休的都是不喜欢自己工作的。不想早退休的是喜欢工作的。这根本是两拨人，不必统一意见。
我准备55岁退休。国内55岁的，都退了。75岁退的话，万一活不了那么久，这一辈子，就亏了，一直工作到死的那一天。再说，我也不需要那么多钱。
不想早退休的，多半是工作压力不大的。
如果经常deadline,隔三差五要加班到晚上1点，很少有人愿意拖到很大岁数退休。就算你想，精神上，体力上也支持不了了。
大多数人赚够钱就早早撤了。
请问你是会计吗
我觉得你说的对... 很多压力很大的工作我觉得要到七十岁很难。
No
我是超过五十就做好准备了。要不公司裁我，要不我干烦了走人。
干到六十，就算很厉害了。不管是公司能一直不裁我，或者我还不厌倦还干的动，做到六十都很厉害了。
周围同事六十也有还在干。最近公司裁员让六十以上的自动退休。有些六十多的就不退。结果公司裁了些四十岁拖家带口的。未来如果我干到六十，有package退休，我肯定退了，也给中年人留个机会。
退休只是不用去make a living.跟学习无关。不过确实离开朝九晚五的工作以后得主动认真地安排一下学习事项。我准备重回学校，其实学校之外也还是有很多想学的东西，但是拿个学位可以让我被迫有规律一点。
55岁就上公司的雷达了，不管你愿不愿意，自动上
哈哈，好形象！
医疗保险怎么办？自己买和工作时相匹配的PPO保险，夫妻俩要花多少钱？