回复 58楼的帖子 1. real estate professional 有要求的- More than 50% of the personal services you perform in all businesses during the year MUST be performed in a real estate business you materially participate. Or you must work at least 750 hours in a real estate trade or business 2. 不能分一半配偶的工资………
回复 59楼lillianess007的帖子 找到一个依据：https://www.nolo.com/legal-encyclopedia/should-married-people-always-file-jointly.html Married Filing Separately If you're married, you always have the option to file your taxes separately. If one of you won't agree to file a joint return, you'll have to file separately, unless you qualify for head of household status. When you file a separate return, you report only your own income, exemptions, credits, and deductions on your individual return. If you live in a community property state, the income you and your spouse earn is split evenly between you, as are your expenses (unless they are paid by one spouse with his or her separate non-community funds—for example, money you earned or inherited before marriage). There are nine community property states: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin.
回复 74楼lillianess007的帖子 谢了，看来也不是太容易满足real estate professional的条件：750小时还是要求比较高的。 To be a real estate professional, a taxpayer must provide more than one-half of his or her total personal services in real property trades or businesses in which he or she materially participates and perform more than 750 hours of services during the tax year in real property trades or businesses. Ideally, taxpayers should prepare contemporaneous time logs that detail the services rendered. For purposes of determining whether a taxpayer is a real estate professional, the taxpayer's material participation is determined separately for each rental property, unless the taxpayer makes an election to treat all interests in rental real estate as a single rental real estate activity.
回复 74楼lillianess007的帖子 谢了，看来也不是太容易满足real estate professional的条件：750小时还是要求比较高的。 To be a real estate professional, a taxpayer must provide more than one-half of his or her total personal services in real property trades or businesses in which he or she materially participates and perform more than 750 hours of services during the tax year in real property trades or businesses. Ideally, taxpayers should prepare contemporaneous time logs that detail the services rendered. For purposes of determining whether a taxpayer is a real estate professional, the taxpayer''s material participation is determined separately for each rental property, unless the taxpayer makes an election to treat all interests in rental real estate as a single rental real estate activity.
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“我老公不工作”，是在BSO家庭地位 装着不懂税，是在BSO 年轻 720k 纯W2，在BSO 有为多金
总结：年轻有为，多金家庭地位还高，这种假装的求助帖， 我绝对忍不住要调侃几句
🛋️ 沙发板凳
那么有钱！做啥工作的
做算法交易，也是天天编程。
哈哈。 同意你说的。
以前就是base工资，也没了解过理财和避税方面的知识。想请教下大家，还有个大概的方向去了解。
一般说来 W2没有什么好的避税方法；
如果你家的收入很多， 并且早晚要建立家庭charity foundation 来避遗产税的， 那么你可以 把股票捐入打foundation里面， 避免 income tax， 不过每年捐5% 出去 （不过如果家里有设立charity foundation 的最终需要， 其实是合算的）。
但是你家单收入， 而且你才有72W的年收入， 感觉没有必要的。
还有要把 401K 放满， 有些公司， 如果你的级别够高， 有福利可以把你的 cash bonus 延迟交税， 比如放入投资账户里，以后离职或者设定一个时间拿。
去年年底发奖金的时候已经预扣37%了，210k。
组里还有一个同事，按照book，他去年应该拿了1500万的奖金，也没有任何办法避税？
多谢多谢。我听说有公司通过defered compensation的方法留下好员工，就是今年该发的奖金不发全，以后几年慢慢发。我不知道能不能主动去要求defer bonus，因为不是每年都能有这么多奖金的。
过去两年， 金融投资行业 如果以提成 来的话， 很多大拿 的确可以有一笔巨款。
你同事 就可以全部巴1500W 捐入家庭慈善基金， 全部避开 income tax。
所以， W2 要避税， 你得够多的收入才行。
我也不知道，我就是用turbotax，算出来多少就是多少。
这个得看你公司的policy， 不是那个级别都可以的， 你可以问问。
同时 也基于你对自己未来收入的预期， 如果觉得自己以后收入都会越来越好， 拿就应该上。
原来是这样操作的....我去了解下，太感谢了。
对不起我算错了，联邦税大概18万，难道你没有州税？
没有州税。
转合同工拿1099，成立SCorp，雇你老公，两人都投满SEP
Deferred compensation, 投了以后如果公司破产，钱就拿不回来了。
慈善基金是trust?那种要单独报公司税，实际税率可能更高吧
你这个人没有逻辑，术业有专攻，难道富豪们的会计师必须必富豪赚得多才有资格给富豪避税？
当然了，楼主只是来显摆一下而已，并不是真的问
那吃什么喝什么，过10万的生活吗？
根据我跟我cpa的研究结果，w2避税基本没戏。Opportunity Zones对一些人可能有点儿用，不过不适合我的情况。谁要是有合法避税的点子也分享一下，交几百k的税确实有点儿肉疼
我猜基金会的钱都是买大件儿，游艇，飞机，体育馆，艺术品什么的，一般人用不上的。
谢谢啊，我去了解下。
嗯，这个我知道。谢谢。
家庭慈善基金可以买房子，自己住吗？
我也是咨询了几个朋友，他们试了试CPA，觉得和自己用软件没有啥区别。
你应该咨询financial advisor.
给富豪做tax planning的人，干嘛要在网上做免费咨询。收一小时500不香么。
一张w-2 再好的cpa 也没辙，不必浪费那个钱
说实话，W2的话，你的税已经很少了，effective tax rate只有28%。。。真的没有报错吗？
Not really...
这个税率没有错。何况他们无州税
根本没得抵。
咋看出来的楼主是花街马工？
做算法交易的自己却没有股票，自律性真高。你应该顺便玩一把就把韭菜割了。楼主牛人。
大家了解一下金融狗的compliance
可以有，只是必须reveal，估计楼主老公全职在炒？
非常可以，这是楼主家迅速积累财富的办法，而不是一个口袋进，一个口袋出
配偶也一样要disclose啊。除非买ETF
是不是不工作的spouse当成real estate professional，这样投资房的loss就变成active loss。如果married filed separately，工作的spouse的收入分一半给不工作的spouse。这样不工作的spouse这一半的收入可以用投资房的loss deduct？
1. real estate professional 有要求的- More than 50% of the personal services you perform in all businesses during the year MUST be performed in a real estate business you materially participate. Or you must work at least 750 hours in a real estate trade or business 2. 不能分一半配偶的工资………
re: 2. 那如果只有一个人工作，married filed separately的话，那个不工作的spouse怎么报税？
花街的人买个股很麻烦 需要报备
找到一个依据：https://www.nolo.com/legal-encyclopedia/should-married-people-always-file-jointly.html
Married Filing Separately If you're married, you always have the option to file your taxes separately. If one of you won't agree to file a joint return, you'll have to file separately, unless you qualify for head of household status. When you file a separate return, you report only your own income, exemptions, credits, and deductions on your individual return.
If you live in a community property state, the income you and your spouse earn is split evenly between you, as are your expenses (unless they are paid by one spouse with his or her separate non-community funds—for example, money you earned or inherited before marriage). There are nine community property states: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin.
re: 1. 好像不太难满足real estate professional的条件？不过我是凭印象，没有仔细查过税法。
Deferred compensation is usually for executives, not sure of your level. Check with your HR
MFS 的tax bracket 和standard deduction 都比MFJ的低 大概是一半。比如MFS的standard deduction是12500， MFJ是25000。 一个人没工作的话当然是合着报划算。 不太清楚你说的那几个特殊州的情况，不过我觉得这样平均分不一定比和在一起低。你自己都算一下试一试呗。 我每年都两个各算一遍
這個靠譜
opportunity zone 也只是能defer captial gains tax 吧 不能没办法减这种W2的税
我想说的是： 如果一个spouse不工作的话，能不能把投资房的passive loss变成active loss？这样就可以deduct active income，也就是W2的income。
2nd that - has to be capital gain only. Ordinary Income is not qualified for Opportunity Zone investments.
不用请教，楼主W2 72万就是差不多20万左右的税。很正常的数字。
谢了，看来也不是太容易满足real estate professional的条件：750小时还是要求比较高的。
To be a real estate professional, a taxpayer must provide more than one-half of his or her total personal services in real property trades or businesses in which he or she materially participates and perform more than 750 hours of services during the tax year in real property trades or businesses. Ideally, taxpayers should prepare contemporaneous time logs that detail the services rendered. For purposes of determining whether a taxpayer is a real estate professional, the taxpayer's material participation is determined separately for each rental property, unless the taxpayer makes an election to treat all interests in rental real estate as a single rental real estate activity.
没有州税可能差不多。W2也没啥可避的倒是。
Hold几年之后可以有10%的step up basis。
请个会计师比问网友们靠谱
Passive loss和active loss在计入income的时候，有何不同？
一年750 小时，按一周工作40 小时来算，就是不到19周的样子，认真搞房地产还是很容易达到的。你看房买房装修找租客，时间一晃就没了。
我也不知道，就用的软件.....别吓我啊。
没明白，可以展开说说嘛？谢谢了。在考虑投资房。
哈哈，不能说，一会儿就得删帖了，要不就被熟人认出来了。圈子太小了。
第一次这么高得收入，之前几年就是base，15万。花几千请CPA觉得很肉疼，所以才来先请教下大家。
没明白，可以说详细些吗？谢谢版主。
我自己所有的账户都在公司监控下......
我老公的所有账户也在公司监控下。