回复 3楼walkingclounds的帖子 取出本金不需要交罚款。 the contributions can be withdrawn at any time without penalty or taxes. However, investment earnings generated from your deposits—interest income, dividends, capital gains—must remain in the account for at least five years, and ideally until you’re at least 59½ to avoid incurring a 10% penalty and taxes.
还有如果孩子十岁，大概每个月存多少529才够孩子的大学学费？
取出本金不需要交罚款。
the contributions can be withdrawn at any time without penalty or taxes. However, investment earnings generated from your deposits—interest income, dividends, capital gains—must remain in the account for at least five years, and ideally until you’re at least 59½ to avoid incurring a 10% penalty and taxes.
这个计算超级简化，不包括每年投资收益，而且也没有考虑八年以后大学到底要花多少钱。
非常大概的估算，（实际上有出入）每个月存2500,一年存3万，八年十岁到十八岁，24万。每年六万学费应该够了吧？
最好存roth ira而不是roth 401k 更灵活些
我记得roth ira才可以5年以后取本金 roth 401k是跟401k一样的 退休才能取