看来通胀对退休的人打击很大

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zhangfei123
楼主 (北美华人网)
一个退休的来申请我们部门工作了 而且是full-time
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Yinweimenhxiang
zhangfei123 发表于 2025-07-04 02:16
一个退休的来申请我们部门工作了 而且是full-time

从一个人的经历总结出一条趋势,你厉害
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banlisu
这还用说么,退休就那么固定的钱,一旦通胀,那钱就缩水,想要维持之前的退休生活,就得想办法
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qgp
当然了!退休的人是fixed income,最怕的就是通胀。
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flxmas
拿社安的马上就不用付联邦税了 The Social Security Administration (SSA) is celebrating the passage of the One Big, Beautiful Bill, a landmark piece of legislation that delivers long-awaited tax relief to millions of older Americans. The bill ensures that nearly 90% of Social Security beneficiaries will no longer pay federal income taxes on their benefits, providing meaningful and immediate relief to seniors who have spent a lifetime contributing to our nation's economy. “This is a historic step forward for America’s seniors,” said Social Security Commissioner Frank Bisignano. “For nearly 90 years, Social Security has been a cornerstone of economic security for older Americans. By significantly reducing the tax burden on benefits, this legislation reaffirms President Trump’s promise to protect Social Security and helps ensure that seniors can better enjoy the retirement they’ve earned." The new law includes a provision that eliminates federal income taxes on Social Security benefits for most beneficiaries, providing relief to individuals and couples. Additionally, it provides an enhanced deduction for taxpayers aged 65 and older, ensuring that retirees can keep more of what they have earned. Social Security remains committed to providing timely, accurate information to the public and will continue working closely with federal partners to ensure beneficiaries understand how this legislation may affect them.
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3906
回复 1楼 zhangfei123 的帖子
贷款的人最开心。肯定的
婉约2020
其实股市📈,影响也很大的 特别是华人,有$$
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la90039
我也提供一个数据点,退休一年了,财产反而增加了很多,具体不太清楚,起码401那些钱在狂涨。但是闲的无聊,也没事申了几个工作,厦航驻美客服,美联航空服啥的,都没成。洛杉矶去哪都堵车,所以Uber, amazon送货啥的也不做了,在计划租个RV环美了,实在没事干。
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loyalqq
有没有可能是退休太无聊了
马甲马甲马马甲
3906 发表于 2025-07-04 09:46
回复 1楼 zhangfei123 的帖子
贷款的人最开心。肯定的

那确实,2点几贷的30年房贷完全是银行送钱给你
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Dadaobz
马甲马甲马马甲 发表于 2025-07-04 11:18
那确实,2点几贷的30年房贷完全是银行送钱给你

我有First Republic 2%10年个人贷款,都不用买房子,结果是First Republic破产了😄
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teabucket
flxmas 发表于 2025-07-04 09:46
拿社安的马上就不用付联邦税了 The Social Security Administration (SSA) is celebrating the passage of the One Big, Beautiful Bill, a landmark piece of legislation that delivers long-awaited tax relief to millions of older Americans. The bill ensures that nearly 90% of Social Security beneficiaries will no longer pay federal income taxes on their benefits, providing meaningful and immediate relief to seniors who have spent a lifetime contributing to our nation''s economy. “This is a historic step forward for America’s seniors,” said Social Security Commissioner Frank Bisignano. “For nearly 90 years, Social Security has been a cornerstone of economic security for older Americans. By significantly reducing the tax burden on benefits, this legislation reaffirms President Trump’s promise to protect Social Security and helps ensure that seniors can better enjoy the retirement they’ve earned." The new law includes a provision that eliminates federal income taxes on Social Security benefits for most beneficiaries, providing relief to individuals and couples. Additionally, it provides an enhanced deduction for taxpayers aged 65 and older, ensuring that retirees can keep more of what they have earned. Social Security remains committed to providing timely, accurate information to the public and will continue working closely with federal partners to ensure beneficiaries understand how this legislation may affect them.





从程序上,是不能走reconciliation process直接免除ss 的税的。


有部分人可能 qualify some additional deductions 但是也是cap的。 所以这封email 纯粹是用来误导不看新闻的老年人的
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noodlewo
我们这儿grocery, Walmart, 快餐店里打工的白老头老太越来越多了,感觉好多都70+,不过不是刚开始的,有两年了
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mermaidyuu
la90039 发表于 2025-07-04 09:54
我也提供一个数据点,退休一年了,财产反而增加了很多,具体不太清楚,起码401那些钱在狂涨。但是闲的无聊,也没事申了几个工作,厦航驻美客服,美联航空服啥的,都没成。洛杉矶去哪都堵车,所以Uber, amazon送货啥的也不做了,在计划租个RV环美了,实在没事干。

RV环美的时候写个笔记啊,我也计划这么干
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everything
一叶知秋。
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Swinging
teabucket 发表于 2025-07-04 14:28




从程序上,是不能走reconciliation process直接免除ss 的税的。


有部分人可能 qualify some additional deductions 但是也是cap的。 所以这封email 纯粹是用来误导不看新闻的老年人的

然而中国老年人的社会养老金是免税的, 补充养老也只交3%。。。。
D
D944
关税是累退税,打击力度对底层固定收入相对大,咖啡店都有跛子白大妈上班
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waibeypuppy
如果是懂投资的,应该没问题呀,401K, IRA等都是涨的。
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iammaja
我第一份工作时,公司股价起飞的时候,有几个同事觉得财务自由,就退休了。N年后,兜兜转转,我又跳回那个公司了,发现其中有当年退休的又回去全职工作的。聊起来,说股市动荡,觉得钱不够用,还是上班赚钱最安稳🤣
焱焱
fixed income也就是退休老人就是受害者,所以一定要投资,退休了也要投资,不然二十年后资产贬值一多半
落地无声
flxmas 发表于 2025-07-04 09:46
拿社安的马上就不用付联邦税了 The Social Security Administration (SSA) is celebrating the passage of the One Big, Beautiful Bill, a landmark piece of legislation that delivers long-awaited tax relief to millions of older Americans. The bill ensures that nearly 90% of Social Security beneficiaries will no longer pay federal income taxes on their benefits, providing meaningful and immediate relief to seniors who have spent a lifetime contributing to our nation's economy. “This is a historic step forward for America’s seniors,” said Social Security Commissioner Frank Bisignano. “For nearly 90 years, Social Security has been a cornerstone of economic security for older Americans. By significantly reducing the tax burden on benefits, this legislation reaffirms President Trump’s promise to protect Social Security and helps ensure that seniors can better enjoy the retirement they’ve earned." The new law includes a provision that eliminates federal income taxes on Social Security benefits for most beneficiaries, providing relief to individuals and couples. Additionally, it provides an enhanced deduction for taxpayers aged 65 and older, ensuring that retirees can keep more of what they have earned. Social Security remains committed to providing timely, accurate information to the public and will continue working closely with federal partners to ensure beneficiaries understand how this legislation may affect them.

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zhangfei123
焱焱 发表于 2025-07-04 20:13
fixed income也就是退休老人就是受害者,所以一定要投资,退休了也要投资,不然二十年后资产贬值一多半

对 要投资
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zhangfei123
waibeypuppy 发表于 2025-07-04 19:47
如果是懂投资的,应该没问题呀,401K, IRA等都是涨的。

必须得懂投资
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zhangfei123
loyalqq 发表于 2025-07-04 10:53
有没有可能是退休太无聊了

part time 可以理解。 full time..
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zhangfei123
la90039 发表于 2025-07-04 09:54
我也提供一个数据点,退休一年了,财产反而增加了很多,具体不太清楚,起码401那些钱在狂涨。但是闲的无聊,也没事申了几个工作,厦航驻美客服,美联航空服啥的,都没成。洛杉矶去哪都堵车,所以Uber, amazon送货啥的也不做了,在计划租个RV环美了,实在没事干。

继续申请吧
金银岛
banlisu 发表于 2025-07-04 08:04
这还用说么,退休就那么固定的钱,一旦通胀,那钱就缩水,想要维持之前的退休生活,就得想办法

社安金每年涨的吧,我的工资已经好久没涨了。
Social Security benefits are designed to increase with inflation through an annual cost-of-living adjustment (COLA). This adjustment is based on changes in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). The COLA is applied to benefits in January of each year, reflecting the increase in the cost of living from the previous year.