{"id":6822,"date":"2023-05-27T13:44:50","date_gmt":"2023-05-27T20:44:50","guid":{"rendered":"https:\/\/www.dognmonkey.com\/svlifevn\/?p=6822"},"modified":"2025-04-16T13:50:23","modified_gmt":"2025-04-16T20:50:23","slug":"tien-cho-con-di-hoc-dai-hoc","status":"publish","type":"post","link":"https:\/\/www.dognmonkey.com\/svlifevn\/tien-cho-con-di-hoc-dai-hoc.html","title":{"rendered":"Ti\u1ec1n Cho Con \u0110i H\u1ecdc \u0110\u1ea1i H\u1ecdc\u2026"},"content":{"rendered":"<p class=\"p1\"><em>\u1ede M\u1ef9 n\u1ebfu kh\u00f4ng bi\u1ebft v\u1ec1 lu\u1eadt l\u1ec7 thu\u1ebf m\u00e1 v\u00e0 ch\u00ednh ph\u1ee7 t\u00e0i tr\u1ee3 nh\u01b0 th\u1ebf n\u00e0o th\u00ec s\u1ebd b\u1ecb kh\u1ed5 s\u1edf v\u00ec t\u00e0i ch\u00e1nh khi con l\u1edbn l\u00ean v\u00e0 mu\u1ed1n \u0111i h\u1ecdc tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc t\u1ed1t.<\/em><\/p>\n<p class=\"p1\"><em>Ch\u00ednh ph\u1ee7 r\u1ea5t d\u00e3 man IMO, chia ra l\u00e0m hai lo\u1ea1i thu nh\u1eadp c\u1ee7a gia \u0111\u00ecnh \u0111\u1ec3 t\u00ednh theo s\u1ef1 t\u00e0i tr\u1ee3 h\u1ecdc v\u1ea5n nh\u01b0 th\u1ebf n\u00e0o. M\u00ecnh th\u00ec kh\u00f4ng bi\u1ebft ch\u1eafc l\u00e0 c\u00e1i limit c\u1ee7a thu nh\u1eadp l\u00e0 bao nhi\u00eau \u0111\u1ec3 con c\u00e1i \u0111\u01b0\u1ee3c m\u1ed9t ph\u1ea7n ti\u1ec1n h\u1ecdc m\u00e0 kh\u00f4ng ph\u1ea3i \u0111i m\u01b0\u1ee3n ho\u1eb7c b\u1ed1 m\u1eb9 kh\u00f4ng ph\u1ea3i tr\u1ea3 nh\u01b0ng m\u00ecnh bi\u1ebft n\u00f3 r\u1ea5t th\u1ea5p v\u00e0 l\u01b0ng ch\u1eebng gi\u1eddi ($116k cho CA), gi\u1ea7u th\u00ec kh\u00f4ng gi\u1ea7u m\u00e0 ngh\u00e8o c\u0169ng kh\u00f4ng xong. M\u00ecnh bi\u1ebft hai v\u1ee3 ch\u1ed3ng m\u00ecnh l\u00e0 k\u1ef9 s\u01b0, th\u00ec ch\u1eafc ch\u1eafn kh\u00f4ng c\u00f3 chuy\u1ec7n con m\u00ecnh \u0111\u01b0\u1ee3c ti\u1ec1n FREE \u0111\u1ec3 \u0111i h\u1ecdc n\u00ean sau n\u0103m 2007 mua \u0111\u01b0\u1ee3c nh\u00e0 v\u00e0 kh\u00f4ng n\u1ee3 ph\u1ea3i b\u00e0n t\u00ednh \u0111\u1ee7 ti\u1ec1n cho con \u0111i h\u1ecdc. L\u00fac \u0111\u00f3 con b\u00e9 3 tu\u1ed5i v\u00e0 th\u1eb1ng nh\u00f3c 1 tu\u1ed5i. M\u00ecnh c\u00f3 nghe v\u1ec1 529 b\u1ecf ti\u1ec1n nh\u01b0 401k cho con n\u00edt \u0111i h\u1ecdc \u0111\u01b0\u1ee3c tr\u1eeb thu\u1ebf nh\u01b0ng m\u00ecnh kh\u00f4ng t\u1ef1 qu\u1ea3n tr\u1ecb \u0111\u01b0\u1ee3c. M\u00ecnh b\u00e0n v\u1edbi b\u00e0 x\u1ea3 theo l\u1eddi con em m\u00ecnh, r\u1ea5t <b>wealthy<\/b> v\u00e0 good head on her shoulders. B\u1ecf h\u1ebft ti\u1ec1n v\u00e0o m\u1ed9t qu\u1ef9 v\u00e0 \u0111\u1ea7u t\u01b0 cho t\u1ee5i nh\u1ecf, khi c\u00f3 nhi\u1ec1u ti\u1ec1n th\u00ec m\u1edf account kh\u00e1c. 16 n\u0103m sau l\u00e0 2023, con g\u00e1i b\u1eaft \u0111\u1ea7u \u0111i h\u1ecdc \u0111\u1ea1i h\u1ecdc m\u00e0 \u0111\u00f2i \u0111i NY. Con trai th\u00ec n\u0103m t\u1edbi s\u1ebd ra tr\u01b0\u1eddng v\u00e0 n\u0103m t\u1edbi n\u1eefa s\u1ebd v\u00e0o \u0111\u1ea1i h\u1ecdc. T\u00ednh \u0111\u1ed5 \u0111\u1ed3ng nh\u1eb9 nh\u1eb9, m\u1ed7i n\u0103m $<b>40k x 4 n\u0103m l\u00e0 $160k m\u1ed7i \u0111\u1ee9a, nh\u00e2n 2 l\u00e0 $320k <\/b>ti\u1ec1n m\u1eb7t. H\u1ecdc master th\u00ec c\u1ed9ng th\u00eam 2 n\u0103m n\u1eefa.<\/em><\/p>\n<p class=\"p1\"><em><a href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\" target=\"_blank\" rel=\"noopener\"><b><button class=\"w3-button w3-blue w3-round-xlarge\">FASFA<\/button><\/b><\/a> t\u1ed1i \u0111a <b>$7395<\/b> v\u00e0 h\u1ecdc sinh n\u00e0o c\u0169ng \u0111\u01b0\u1ee3c kh\u00f4ng c\u1ea7n bi\u1ebft gia \u0111\u00ecnh thu nh\u1eadp l\u00e0 bao nhi\u00eau. C\u1ee9 \u0111i\u1ec1n \u0111\u01a1n kh\u00f4ng suy di\u1ec5n, \u0111\u01b0\u1ee3c th\u00ec t\u1ed1t, kh\u00f4ng \u0111\u01b0\u1ee3c c\u0169ng kh\u00f4ng sao.<\/em><\/p>\n<p class=\"p1\"><em>B\u00e2y gi\u1edd m\u1ed9t account cho con g\u00e1i \u0111i h\u1ecdc \u0111\u00e3 \u0111\u01b0\u1ee3c <b>$283k <\/b>h\u00f4m nay v\u00e0 con trai \u0111\u01b0\u1ee3c <b>$123k<\/b>. Kh\u00f4ng \u0111\u1ee9ng t\u00ean con n\u00e0o c\u1ea3, ch\u1ec9 cho t\u00ean v\u00e0o beneficiaries th\u00f4i LOL.<\/em><\/p>\n<p class=\"p1\"><em>T\u1ea1i sao m\u00ecnh b\u00e1c h\u1ebft nh\u1eefng c\u00e1i <b>529, life insurance<\/b>, hai c\u00e1i n\u00e0y l\u00e0 cho <b>ng\u01b0\u1eddi kh\u00f4ng mu\u1ed1n l\u00e0m g\u00ec ho\u1eb7c qu\u00e1 nhi\u1ec1u thu nh\u1eadp h\u00e0ng n\u0103m<\/b>, kh\u00f4ng c\u1ea7n d\u00f9ng \u0111\u1ea7u \u00f3c \u0111\u1ec3 \u0111\u1ea7u t\u01b0 \u0111\u1ec3 t\u1ee5i cai qu\u1ea3n lo h\u1ebft. IMO t\u1ea5t c\u1ea3 m\u1ecdi ch\u01b0\u01a1ng tr\u00ecnh nh\u00e0 b\u0103ng t\u1ea1o ra l\u00e0 \u0111\u1ec3 d\u00f9ng ti\u1ec1n m\u00ecnh ki\u1ebfm l\u1eddi cho t\u1ee5i n\u00f3, kh\u00f4ng c\u00f3 g\u00ec l\u00e0 Free Lunch c\u1ea3. Ti\u1ec1n m\u00ecnh m\u00ecnh lo, kh\u00f4ng bi\u1ebft lo th\u00ec gia \u0111\u00ecnh kh\u1ed5 r\u00e1ng ch\u1ecbu.<\/em><\/p>\n<p class=\"p1\"><em><b>IMHO<\/b>:<\/em><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><em><b>Kh\u00f4ng hi\u1ec3u bi\u1ebft + L\u01b0\u1eddi =&gt; Thi\u1ebfu Can \u0110\u1ea3m, suy di\u1ec5n, kinh t\u1ebf gia \u0111\u00ecnh kh\u00f4ng ti\u1ebfn m\u00e0 nhi\u1ec1u khi \u0111i l\u00f9i, gia \u0111\u00ecnh kh\u00f4ng sung t\u00fac, s\u1ebd kh\u00f3 c\u00f3 h\u1ea1nh ph\u00fac.<\/b><\/em><\/li>\n<li class=\"li1\"><em><b>Hi\u1ec3u bi\u1ebft + Ch\u0103m Ch\u1ec9 + T\u00ecnh th\u01b0\u01a1ng =&gt; H\u1ea1nh Ph\u00fac v\u00e0 Sung T\u00fac.<\/b><\/em><\/li>\n<\/ul>\n<p class=\"p1\"><em><b>C\u00e1i logic c\u1ee7a b\u1ecf h\u1ebft ti\u1ec1n v\u00e0o m\u1ed9t account cho gia \u0111\u00ecnh \u0111\u1ec3 \u0111\u1ea7u t\u01b0 l\u00e0 nh\u01b0 th\u1ebf n\u00e0y<\/b>:<\/em><\/p>\n<ol class=\"ol1\">\n<li class=\"li1\"><em><b>N\u1ebfu 1 trong 2 ho\u1eb7c c\u1ea3 b\u1ed1 m\u1eb9 m\u1ea5t th\u00ec life insurance $500k c\u0169ng ch\u1eb3ng gi\u00fap con m\u00ecnh \u0111\u01b0\u1ee3c bao l\u00e2u n\u1ebfu ng\u01b0\u1eddi manage kh\u00f4ng bi\u1ebft \u0111\u1ea7u t\u01b0.<\/b><\/em><\/li>\n<li class=\"li1\"><em><b>N\u1ebfu b\u1ecf v\u00e0o 529 cho t\u1ee5i v\u1edb v\u1ea9n d\u00f9ng ti\u1ec1n m\u00ecnh \u0111\u1ec3 \u0111\u1ea7u t\u01b0 cho t\u1ee5i n\u00f3 \u0103n d\u00f9ng c\u00e1i \u201cthu\u1ebf savings\u201d \u0111\u1ec3 m\u00ecnh b\u1ecf v\u00e0o th\u00ec ho\u00e0n to\u00e0n l\u1ec7 thu\u1ed9c v\u00e0o t\u00e0i \u0111\u1ea7u t\u01b0 c\u1ee7a t\u1ee5i n\u00e0y. M\u00ecnh th\u00ec kh\u00f4ng tin m\u1ed9t \u0111\u1ee9a n\u00e0o c\u1ea3.<\/b><\/em><\/li>\n<\/ol>\n<p class=\"p1\"><em>M\u1ed9t c\u00e2u h\u1ecfi n\u1eefa cho m\u1ecdi ng\u01b0\u1eddi, n\u1ebfu trong 16 n\u0103m m\u00ecnh ph\u1ea3i b\u1ecf v\u00e0o 529 bao nhi\u1ec1u ti\u1ec1n m\u1ed7i th\u00e1ng \u0111\u1ec3 c\u00f3 <b>$283k+$123k = $406k<\/b> h\u00f4m nay (5\/25\/2023).<\/em><\/p>\n<p class=\"p1\"><em>Nh\u01b0ng m\u00ecnh c\u00f3 n\u00f3i b\u00e0 x\u00e3, kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t tr\u1ea3 cho con \u0111i h\u1ecdc m\u00e0 n\u00ean khuy\u00ean n\u00f3 m\u01b0\u1ee3n ti\u1ec1n \u0111i h\u1ecdc r\u1ed3i ra tr\u01b0\u1eddng m\u00ecnh tr\u1ea3 h\u1ebft cho, t\u1ea1i sao? N\u1ebfu con b\u00e9 h\u1ecdc master l\u00e0 6 n\u0103m th\u00ec trong 6 n\u0103m, <b>$406&#215;1.1&#215;6 = $719k<\/b> nh\u01b0ng m\u00ecnh s\u1ebd ki\u1ebfm h\u01a1n <b>10%<\/b> m\u1ed7i n\u0103m, th\u00ec c\u1ea3 hai s\u1ebd c\u00f3 ti\u1ec1n down nh\u00e0 ho\u1eb7c l\u1ea5y v\u1ee3, l\u1ea5y ch\u1ed3ng sau khi ra tr\u01b0\u1eddng m\u00e0 kh\u00f4ng ph\u1ea3i nh\u01b0 b\u1ed1 m\u1eb9 ch\u1ec9 c\u00f3 $5000 trong b\u0103ng v\u00e0 n\u1ee3 $160k.<\/em><\/p>\n<p class=\"p1\"><em>B\u00e2y gi\u1edd n\u00f3i v\u1ec1 n\u1ebfu kh\u00f4ng b\u1ecf v\u00e0o 529 th\u00ec ti\u1ec1n l\u1eddi \u0111\u1ea7u t\u01b0 h\u00e0ng n\u0103m ph\u1ea3i tr\u1ea3 thu\u1ebf. C\u0169ng \u0111\u00fang, nh\u01b0ng m\u00ecnh th\u00edch tr\u1ea3 thu\u1ebf, tr\u1ea3 c\u00e0ng nhi\u1ec1u th\u00ec tr\u1eddi c\u00e0ng cho th\u00eam. Nh\u01b0ng hai \u0111\u1ee9a con m\u00ecnh may m\u1eafn, b\u1ed1 n\u00f3 tr\u01b0\u1edbc khi l\u1ea5y m\u1eb9 n\u00f3, \u201cch\u01a1i\u201d stock l\u00e1o l\u1ebfu thua nhi\u1ec1u n\u0103m t\u1edbi $300k n\u00ean b\u00e2y gi\u1edd b\u1ed1 n\u00f3 c\u00f3 ki\u1ebfm $300k cho t\u1ee5i nh\u1ecf \u0111i h\u1ecdc c\u0169ng kh\u00f4ng ph\u1ea3i \u0111\u00f3ng thu\u1ebf cho t\u1edbi khi h\u1ebft c\u00e1i l\u1ed7 n\u00e0y. Nh\u1eefng ng\u01b0\u1eddi n\u00e0o m\u1edbi ch\u1eadp ch\u1eefng v\u00e0o th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n 2 n\u0103m nay c\u00f3 th\u1ec3 l\u1ed7 ch\u1ecfng g\u1ecdng th\u00ec m\u1ed7i n\u0103m ph\u1ea3i khai h\u1ebft, n\u1ebfu d\u00f9ng Turbotax th\u00ec n\u00f3 s\u1ebd download brokerage accounts automatically v\u00e0 khai l\u1ed7, l\u1eddi cho m\u00ecnh lu\u00f4n. L\u1ed7 th\u00ec m\u1ed7i n\u0103m n\u00f3 c\u1ee9 c\u1ed9ng v\u00e0o ph\u1ea7n l\u1ed7, c\u00f2n n\u0103m n\u00e0o l\u1eddi th\u00ec n\u00f3 s\u1ebd tr\u1eeb \u0111i t\u1eeb t\u1ed5ng s\u1ed1 l\u1ed7 m\u00e0 kh\u00f4ng s\u1ee3 g\u00ec c\u1ea3. C\u00f3 nh\u1eefng brokerage download d\u00f9ng turbotax kh\u00e1c nhau, TD c\u1ea7n c\u00e1i form 1099, trong \u0111\u00f3 c\u00f3 account v\u00e0 m\u1eadt m\u00e3 download trong \u0111\u00f3, Fidelity th\u00ec ch\u1ec9 c\u1ea7n username (social security) v\u00e0 password m\u00ecnh x\u00e0i h\u00e0ng ng\u00e0y th\u00ec \u0111\u01b0\u1ee3c download li\u1ec1n. N\u1ebfu kh\u00f4ng mu\u1ed1n download th\u00ec ph\u1ea3i d\u00f9ng 1099 c\u1ee7a brokerage m\u00e0 b\u1ecf v\u00e0o sheets manually.<\/em><\/p>\n<p class=\"p1\"><em>M\u00ecnh ch\u1ec9 v\u1ec1 h\u01b0u v\u00e0 s\u1ed1ng s\u01b0\u1edbng h\u1ea1nh ph\u00fac khi con m\u00ecnh \u0111i h\u1ecdc \u0111\u1ea1i h\u1ecdc v\u00e0 ra tr\u01b0\u1eddng \u0111\u1ec3 lo th\u00e2n t\u1ee5i n\u00f3, khi t\u1ee5i n\u00f3 xong m\u00ecnh m\u1edbi g\u1ecdi l\u00e0 h\u01b0\u1edfng gi\u00e0. M\u00ecnh ph\u1ea3i \u0111\u1ea7u t\u01b0 v\u00e0 ki\u1ebfm ti\u1ec1n d\u01b0 \u0111\u1ec3 gi\u00fap t\u1ee5i nh\u1ecf. Con g\u00e1i m\u00ecnh \u0111\u00e3 hi\u1ec3u \u0111\u1ea7u t\u01b0 l\u00e0 g\u00ec r\u1ed3i v\u00ec n\u00f3 mua NVDA LOL. Con trai n\u0103m t\u1edbi s\u1ebd b\u1eaft \u0111\u1ea7u khi n\u00f3 18 tu\u1ed5i, m\u00ecnh s\u1ebd redeem iBond m\u1ea5y ch\u1ee5c ng\u00e0n cho th\u1eb1ng b\u00e9 th\u1ef1c h\u00e0nh \u0111\u1ea7u t\u01b0.<span class=\"Apple-converted-space\">\u00a0 <\/span>\u201c<b>Cho con m\u1ed9t con c\u00e1, n\u00f3 \u0103n m\u1ed9t ng\u00e0y, d\u1eady n\u00f3 c\u00e2u c\u00e1, n\u00f3 c\u00f3 c\u00e1 \u0103n c\u1ea3 \u0111\u1eddi<\/b>\u201d<\/em><\/p>\n<p class=\"p1\"><em>Ti\u1ec1n b\u1ea1c kh\u00f4ng \u0111em l\u1ea1i h\u1ea1nh ph\u00fac, nh\u01b0ng khi con \u0111i h\u1ecdc tr\u01b0\u1eddng t\u1ed1t kh\u00f4ng c\u00f3 ti\u1ec1n cho n\u00f3 \u0111i h\u1ecdc ho\u1eb7c b\u1eaft n\u00f3 m\u01b0\u1ee3n loan c\u1ea3 tr\u0103m ng\u00e0n th\u00ec h\u01a1i bu\u1ed3n. Khi con m\u00ecnh h\u1ecdc m\u00e0 kh\u00f4ng lo t\u1edbi ti\u1ec1n b\u1ea1c, bi\u1ebft b\u1ed1 m\u1eb9 kh\u00f4ng kh\u1ed5 s\u1edf, n\u00f3 s\u1ebd h\u1ecdc t\u1ed1t h\u01a1n v\u00ec n\u00f3 mu\u1ed1n h\u1ecdc ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ph\u1ea3i h\u1ecdc \u0111\u1ec3 gi\u00fap b\u1ed1 m\u1eb9, c\u00e1i n\u00e0o c\u0169ng c\u00f3 c\u00e1i t\u1ed1t nh\u01b0ng m\u00ecnh l\u00e0 b\u1ed1 m\u1eb9 t\u1ed1t th\u00ec lo h\u1ebft.<\/em><\/p>\n<p class=\"p1\"><em>Ch\u00fac m\u1ecdi ng\u01b0\u1eddi hi\u1ec3u v\u00e0 lo cho con chu \u0111\u00e1o khi t\u1ee5i n\u00f3 c\u1ea7n m\u00ecnh. <b>Th\u1eddi gian bay l\u1eb9 kinh ho\u00e0ng v\u00e0 kh\u00f4ng ch\u1edd m\u1ed9t ai LOL.<\/b><\/em><\/p>\n<ul class=\"lcp_catlist\" id=\"lcp_instance_0\"><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u1ede M\u1ef9 n\u1ebfu kh\u00f4ng bi\u1ebft v\u1ec1 lu\u1eadt l\u1ec7 thu\u1ebf m\u00e1 v\u00e0 ch\u00ednh ph\u1ee7 t\u00e0i tr\u1ee3 nh\u01b0 th\u1ebf n\u00e0o th\u00ec s\u1ebd b\u1ecb kh\u1ed5 s\u1edf v\u00ec t\u00e0i ch\u00e1nh khi con l\u1edbn l\u00ean v\u00e0 mu\u1ed1n \u0111i h\u1ecdc tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc t\u1ed1t. Ch\u00ednh ph\u1ee7 r\u1ea5t d\u00e3 man IMO, chia ra l\u00e0m hai lo\u1ea1i thu nh\u1eadp c\u1ee7a gia \u0111\u00ecnh \u0111\u1ec3 <a href=\"https:\/\/www.dognmonkey.com\/svlifevn\/tien-cho-con-di-hoc-dai-hoc.html\" class=\"more-link\">&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":6773,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1354],"tags":[1394,1396,1398,1397,1395,1368],"class_list":["post-6822","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kinh-te-gia-dinh","tag-1394","tag-dai-hoc","tag-don-gian","tag-mot-quy","tag-tien-hoc","tag-tuong-lai"],"views":39,"_links":{"self":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6822","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/comments?post=6822"}],"version-history":[{"count":2,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6822\/revisions"}],"predecessor-version":[{"id":6824,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6822\/revisions\/6824"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media\/6773"}],"wp:attachment":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media?parent=6822"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/categories?post=6822"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/tags?post=6822"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}