So what did that proposal suggest? It included a variety of options, including
Reducing total available pre-tax savings (employer and employee) from (at the time) $51,000 to only the lesser of $20,000 or 20% of pay; Expanding the currently relatively-small “Saver’s Credit” (equal to 50% of the first $2,000 in retirement savings, only for relatively lower earners, up to $$19,500 for singles, $39,000 for couples; and phasing out quickly, to 20%, 10%, and ultimately nothing for singles with $32,500/couples with $65,000 in income) to stay at 50% for higher earners and phase out in a much more gradual manner instead; or Wholly removing any tax benefit for retirement savings and provide a credit of 25% instead (often this proposal includes a limit to the credit; this particular proposal doesn’t specify such; also, note that this was prior to the 2017 tax law which dropped tax rates).
401K的免税，只让top 20%的家庭受惠。
拜登团队将会推动AA养老，人人平等，取消401K税收优惠，折算成tax credit分给所有人，让穷人受益。
equalize benefits across the income scale，equalize the network of retirement saving tax breaks
Joe Biden Promises To End Traditional 401(k)-Style Retirement Savings Tax Benefits.
https://www.forbes.com/sites/ebauer/2020/08/25/joe-biden-promises-to-take-away-401k-style-retirement-savings-whats-that-mean/#59bdcac94eb0
https://joebiden.com/older-americans/#
真的吗？ 他疯了？
逛坛子也只找和家人有关的。太不关心自己了
https://winred.com/
又来标题党，和一群缺乏阅读能力的人
So what did that proposal suggest? It included a variety of options, including
Reducing total available pre-tax savings (employer and employee) from (at the time) $51,000 to only the lesser of $20,000 or 20% of pay; Expanding the currently relatively-small “Saver’s Credit” (equal to 50% of the first $2,000 in retirement savings, only for relatively lower earners, up to $$19,500 for singles, $39,000 for couples; and phasing out quickly, to 20%, 10%, and ultimately nothing for singles with $32,500/couples with $65,000 in income) to stay at 50% for higher earners and phase out in a much more gradual manner instead; or Wholly removing any tax benefit for retirement savings and provide a credit of 25% instead (often this proposal includes a limit to the credit; this particular proposal doesn’t specify such; also, note that this was prior to the 2017 tax law which dropped tax rates).拜登的proposal并没有给出具体的作法。福布斯的文章也只是根据过去某些policy的研究作出一些可能性的推测。但对于川粉，这就够了。只要一个蛊惑性的标题，再加几句漫无天际的结论，就在那里大喊大叫，为自己拥川加油打气，完全不顾现在美国正在上演一场前所未有的造神运动 - 所有的NRC speakers 都在大肆唱捧川普的丰功伟绩，包括被捧者自己。这让人觉得美国正在往西（半球）西朝鲜的路上狂奔。其实，任何有英语阅读能力的人都可以看看楼主给出的两篇文章，看了以后自己做出结论，而不是人云亦云。拜登的proposal还有两项跟退休有关的其它建议：家庭主妇（夫）也可存退休基金，小企业给员工搞退休计划的可得到税收上的好处。