谁说美国人不存钱？ 看看人家，华人有几个人赶得上？ My wife and I are 70 years old. We’ve paid off everything, including the house. Between my pension of $29,000 and Social Security, we’re getting a gross of $99,000 a year in income, which is more than enough. Our current savings in our brokerage account are $700,000. Our individual retirement account (IRA) totals $1.4 million. Our Roth is worth $400,000. We both anticipate living to age 90. At our age, is it too late to do a Roth conversation?
谁说美国人不存钱？ 看看人家，华人有几个人赶得上？ My wife and I are 70 years old. We’ve paid off everything, including the house. Between my pension of $29,000 and Social Security, we’re getting a gross of $99,000 a year in income, which is more than enough. Our current savings in our brokerage account are $700,000. Our individual retirement account (IRA) totals $1.4 million. Our Roth is worth $400,000. We both anticipate living to age 90. At our age, is it too late to do a Roth conversation? poppyjasper 发表于 2023-02-27 23:52
谁说美国人不存钱？ 看看人家，华人有几个人赶得上？ My wife and I are 70 years old. We’ve paid off everything, including the house. Between my pension of $29,000 and Social Security, we’re getting a gross of $99,000 a year in income, which is more than enough. Our current savings in our brokerage account are $700,000. Our individual retirement account (IRA) totals $1.4 million. Our Roth is worth $400,000. We both anticipate living to age 90. At our age, is it too late to do a Roth conversation? poppyjasper 发表于 2023-02-27 23:52
看看人家，华人有几个人赶得上？
My wife and I are 70 years old.
We’ve paid off everything, including the house.
Between my pension of $29,000 and Social Security, we’re getting a gross of $99,000 a year in income, which is more than enough.
Our current savings in our brokerage account are $700,000.
Our individual retirement account (IRA) totals $1.4 million.
Our Roth is worth $400,000.
We both anticipate living to age 90. At our age, is it too late to do a Roth conversation?
一个美国人的例子不等于一般意义上的美国人
这个华人几年前的贫困线都不到哈
美国穷人很多
但有钱人也很多的
华人敢秀一下吗？
401K
IRA，
Roth
投资账户
70岁老美中产家庭有这些钱算正常水平，同样年龄的华人退休双职工+几套投资房的肯定不止这些
普通家庭中国人喜欢存银行吃利息然后买房，美国人都用来投资，手上的存款可能不多而已
秀的好多呢 睿大妈就有5m，似乎就是投资账户 退休账号加不动产未知
我有一阵很迷 FIRE，跟了管子上很多网红，基本上每个人都是说要过 frugal lifestyle, 说是省钱，但是我觉得实在是太抠门了，例如从来不买咖啡之类的，说是要喝的时候就想想如果这个买咖啡的钱买了 VOO, 那么经过 40 年的复利，就会变成多少多少。
基本上很多博主家里就几件衣服，几双鞋，然后不消费，不买东西，不旅游，我觉得这种生活太难受了。
然后疫情期间通胀冲到 9% 的时候，我就取关了，因为 FIRE 的理论依据就是通胀是 4%，到时候估计厕所很多人排队哭。
50岁以前可能有，但年纪大的肯定没有（没有赶上）
而且还要看在哪里工作
You are right
LOL
没看懂“没赶上”是什么意思。我老公亲戚夫妇快八十了，是七十年代的留学生，双双工作了四十年，现在身价至少千万以上，他们的自住房子就三百多万。
70岁玩不动？我邻居夫妇80多了，一年出国两次，订那种private tour，有司机有地陪有导游有翻译，过节孩子有安排，老俩就去luxury cruise 了，简直浪的飞起
来美国之前有几个大误区 1.美国人不存钱 -- 结果发现身边老美同事都是有钱就攒首付,有房之后就是投资股票债券投资房,连刚毕业的小年轻 都知道买国债...不存钱是指不把cash放在银行贬值,但是人家一直投资. 2.美国人孩子18岁就不管了 -- 结果在大学看到,全家老小三辈送孩子上大学,爷爷奶奶给出学费,想尽办法把钱留给 孩子并且少交税.付大学学费,更有能力的帮孩子买房子 3.美国人不管老人 -- 结果认识的同事邻居老美都经常探访老人,有的为了离老人近方便照顾,特意换工作搬家.
70W。。。 boglehead和reddit fire版里的人，存钱投资都很厉害，普通人的存钱投资。
昨天听广播说美国人去年存款的只有5%，专家说有些担心。 10%是可以接受的比率。建议大家saving。 难道我听错了吗？
真厉害！