Here are four examples that illustrate the effect of this first five-year rule:
Scenario 1: You are age 60 and you funded your first Roth IRA three years ago. In 2025, you take a distribution. You will be taxed on the earnings amount of the distribution because it’s been less than five years since you first contributed to the Roth IRA. Scenario 2: You’ve owned a Roth IRA since 2006. In 2022, you opened and funded a second Roth IRA. Because you funded your first Roth in 2006, you needn’t wait five years to take money from your second Roth for the earnings to be tax-free, provided you are at least age 59½ at the time of the distribution. Scenario 3: You did a partial Roth IRA conversion in 2016. You did a second partial Roth IRA conversion in 2022, when you were age 67. In 2025, you take a distribution from your Roth IRA. You will not be taxed on the distributed earnings because it's been more than five years since you first deposited money into any IRA (through the first conversion). Scenario 4: You did a Roth IRA conversion in 2012. In 2023, you opened and funded a second Roth IRA. Because you first deposited money into a Roth in 2012, you needn't wait five years to take money from your second Roth for the earnings to be tax-free, provided you are at least age 59½. https://www.kiplinger.com/taxes/five-year-rule-on-roth-ira-contributions-and-payouts-kiplinger-tax-letter
夫妻都决定退休的话，59.5岁到70多必须withdraw的这一段时间，是把401K的钱拿出来的好时候。
401K/403B/457/IRA这些计划的钱拿出来的时候，按照Ordinary Income收税。 如果还在工作，就别拿了，拖着，否则交的税太多了。
从现在的税率看， 最佳的数字是25万一年，这样effective federal tax是不到15%（按照standard deduction算），也就是说比长期资本利得税还要低。这时候最好搬到一个没有州税的地方。
这段时间最好不要叠加社保，或者只用一个人的社保，社保有44K的免税额，可以不交更多的税。
再以后就必须要取了，那时候还有社保，而401K如果投资好的话，基本还是要交很多税。
如果还有什么投资房的收入之类的， 留一些折旧的余地，少算点Accounting Income。
要算好税率。
哪有那么多在401里
税是在这笔钱之外付的。这笔钱进不到你的银行账号。
Convert以后，要5年以后才能开始取。
after the conversion to withdraw the funds in your Roth IRA account.
Here are four examples that illustrate the effect of this first five-year rule:
Scenario 1: You are age 60 and you funded your first Roth IRA three years ago. In 2025, you take a distribution. You will be taxed on the earnings amount of the distribution because it’s been less than five years since you first contributed to the Roth IRA. Scenario 2: You’ve owned a Roth IRA since 2006. In 2022, you opened and funded a second Roth IRA. Because you funded your first Roth in 2006, you needn’t wait five years to take money from your second Roth for the earnings to be tax-free, provided you are at least age 59½ at the time of the distribution. Scenario 3: You did a partial Roth IRA conversion in 2016. You did a second partial Roth IRA conversion in 2022, when you were age 67. In 2025, you take a distribution from your Roth IRA. You will not be taxed on the distributed earnings because it's been more than five years since you first deposited money into any IRA (through the first conversion). Scenario 4: You did a Roth IRA conversion in 2012. In 2023, you opened and funded a second Roth IRA. Because you first deposited money into a Roth in 2012, you needn't wait five years to take money from your second Roth for the earnings to be tax-free, provided you are at least age 59½. https://www.kiplinger.com/taxes/five-year-rule-on-roth-ira-contributions-and-payouts-kiplinger-tax-letterB 和D 的保费都有可能被影响到。