我们州完全exempt from law suits, Some states are limited to the deem,
"And while the laws in many states protect IRA funds, specifics can vary widely from state to state. In California, for example, protection only extends to the amount necessary to reasonably support you, your spouse and family at the time you retire, taking all your assets into account. In Hawaii, the exemption doesn't apply to funds you've deposited within the past three years."
这笔钱是受到保护的。
任何债权人都无法碰到这笔资金。
美国是个烂诉的国家，
你在银行的现金，非退休金的债卷和股票，投资地产都不安全。
一个官司就可以让你变成穷光蛋！
唯有退休金里的钱是受到保护的。
我想当然的认为IRA会受到保护。
https://www.investopedia.com/ask/answers/081915/my-ira-protected-bankruptcy.asp#:~:text=Federal%20law%20protects%20traditional%20and,are%20401(k)%20accounts.
基本上讲IRA也受保护。除非你的州有些特殊规定
我们州完全exempt from law suits, Some states are limited to the deem,
"And while the laws in many states protect IRA funds, specifics can vary widely from state to state. In California, for example, protection only extends to the amount necessary to reasonably support you, your spouse and family at the time you retire, taking all your assets into account. In Hawaii, the exemption doesn't apply to funds you've deposited within the past three years."
所以每个州可能差别很大。
否则前任也可以领取。
如果在离婚协议书中未注明401K 前任拥有的话，基本上前任也无法claim, 具体还要咨询律师。
https://welch.law/do-i-get-exs-401k-because-i-was-named-the-beneficiary/
https://www.thetaxadviser.com/content/dam/tta/issues/2014/jan/stateirachart.pdf
而且离婚和抚养费还是可以击穿。
你家里几百万，汽车保险只保最低的五万十万，那么人家急了当然要来告你，保费不够赔的啊。
你要是伞险定个一百万，伞险公司会要求你的车险保到30万，人家一般拿了30万也满足了，如果有大问题，拿到一百万，也不会再追究下去了。律师会劝苦主，说拿到判决再去追究个人债务很难，花钱不一定能追下来。另外，只要法院赢了，保险公司肯定付钱。
不保其他，所以我有点吃惊楼上说的伞险还保401K