{"id":6926,"date":"2024-07-03T14:05:30","date_gmt":"2024-07-03T21:05:30","guid":{"rendered":"https:\/\/www.dognmonkey.com\/svlifevn\/?p=6926"},"modified":"2025-04-19T14:11:08","modified_gmt":"2025-04-19T21:11:08","slug":"kinh-te-gia-dinh-ve-huu-nhu-the-nao-de-khoi-phai-di-lam-lai","status":"publish","type":"post","link":"https:\/\/www.dognmonkey.com\/svlifevn\/kinh-te-gia-dinh-ve-huu-nhu-the-nao-de-khoi-phai-di-lam-lai.html","title":{"rendered":"Kinh T\u1ebf Gia \u0110\u00ecnh, V\u1ec1 H\u01b0u Nh\u01b0 Th\u1ebf N\u00e0o \u0110\u1ec3 Kh\u1ecfi Ph\u1ea3i \u0110i L\u00e0m L\u1ea1i"},"content":{"rendered":"<p style=\"text-align: center;\"><a href=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_SS.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-6927\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_SS.jpg\" alt=\"Social Security retirement income\" width=\"600\" height=\"377\" srcset=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_SS.jpg 600w, https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_SS-300x189.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p class=\"p1\"><em>Th\u1eddi gian tr\u00f4i r\u1ea5t nhanh, m\u00ecnh vi\u1ebft b\u00e0i n\u00e0y cho nh\u1eefng ng\u01b0\u1eddi \u1edf tu\u1ed5i 40-65 s\u1eeda so\u1ea1n cho ti\u1ec1n h\u01b0u tr\u00ed. \u1ede M\u1ef9 c\u00f3 th\u1ec3 kh\u00f4ng nh\u01b0 nh\u1eefng n\u01b0\u1edbc socialist, ti\u1ec1n h\u01b0u tr\u00ed tu\u1ef3 theo m\u00ecnh \u0111i l\u00e0m v\u00e0 b\u1ecf v\u00e0o theo l\u01b0\u01a1ng b\u1ed5ng c\u1ea3 \u0111\u1eddi m\u00ecnh cho c\u00e1i Social Security. Khi m\u00ecnh v\u1ec1 h\u01b0u, tu\u1ef3 theo l\u01b0\u01a1ng b\u1ed5ng v\u00e0 bao nhi\u00eau n\u0103m l\u00e0m, Social Security s\u1ebd tr\u1ea3 l\u1ea1i m\u1ed9t s\u1ed1 ti\u1ec1n c\u1ed1 \u0111\u1ecbnh cho m\u00ecnh h\u00e0ng th\u00e1ng cho t\u1edbi khi m\u00ecnh m\u1ea5t. N\u1ebfu mu\u1ed1n bi\u1ebft m\u00ecnh s\u1ebd \u0111\u01b0\u1ee3c bao nhi\u00eau ti\u1ec1n khi v\u1ec1 h\u01b0u th\u00ec v\u00e0o <a href=\"https:\/\/www.ssa.gov\"><span class=\"s1\">https:\/\/www.ssa.gov<\/span><\/a> \u0111\u1ec3 coi. Sau khi m\u00ecnh bi\u1ebft m\u00ecnh s\u1ebd l\u00e3nh \u0111\u01b0\u1ee3c bao nhi\u00eau t\u1eeb n\u0103m n\u00e0o th\u00ec m\u00ecnh s\u1ebd ph\u1ea3i b\u00e0n t\u00ednh v\u1edbi ti\u1ec1n c\u1ea7n th\u00eam \u0111\u1ec3 s\u1ed1ng m\u1ed9t \u0111\u1eddi s\u1ed1ng tho\u1ea3i m\u00e1i. C\u00e1i n\u00e0y c\u1ea7n l\u00e0m to\u00e1n v\u00e0 t\u00ecm hi\u1ec3u v\u1ec1 l\u1ea1m ph\u00e1t c\u1ee7a n\u01a1i m\u00ecnh \u1edf. Th\u00ed d\u1ee5 m\u00ecnh \u0111ang \u1edf CA, US.<\/em><\/p>\n<p class=\"p1\"><em><b>S\u1ed1ng \u1edf \u0111\u00e2u t\u1ed1t khi v\u1ec1 h\u01b0u?<\/b> Thi\u1ec7t ra \u1edf \u0111\u00e2u quen \u0111\u00f3, v\u00ec gia \u0111\u00ecnh, v\u00ec h\u1ecd h\u00e0ng n\u00ean \u00edt ai b\u1ecf \u0111i xa, n\u1ebfu m\u00ecnh ki\u1ebfm \u0111\u1ee7 ti\u1ec1n cho v\u1ec1 h\u01b0u m\u1ed9t c\u00e1ch tho\u1ea3i m\u00e1i, nh\u1eb9 nh\u00e0ng kh\u00f4ng ch\u1eadt v\u1eadt. Nh\u01b0ng n\u1ebfu m\u00ecnh kh\u00f4ng b\u00e0n t\u00ednh k\u1ef9 th\u00ec c\u00f3 nhi\u1ec1u Ti\u1ec3u Bang c\u00f3 nh\u1eefng c\u00e1i l\u1ee3i cho t\u00e0i ch\u00e1nh nh\u01b0 kh\u00f4ng c\u00f3 thu\u1ebf thu nh\u1eadp c\u1ee7a ti\u1ec3u bang \u0111\u00f3 th\u00ec ti\u1ec1n Social Security v\u00e0 ti\u1ec1n ki\u1ebfm \u0111\u01b0\u1ee3c s\u1ebd kh\u00f4ng b\u1ecb thu\u1ebf ti\u1ec3u bang m\u00e0 ch\u1ec9 thu\u1ebf li\u00ean bang m\u00e0 th\u00f4i, \u0111\u1ee1 \u0111\u01b0\u1ee3c \u0111\u1ed3ng n\u00e0o hay \u0111\u1ed3ng \u0111\u00f3. C\u00f3 Ti\u1ec3u bang kh\u00f4ng c\u00f3 thu\u1ebf mua \u0111\u1ed3, c\u00e1i n\u00e0y c\u0169ng t\u1ed1t v\u00e0 \u0111\u1ee1 ti\u1ec1n.<\/em><\/p>\n<p class=\"p1\"><em><b>\u1ede M\u1ef9, \u1edf tu\u1ed5i n\u00e0o c\u0169ng v\u1eabn ph\u1ea3i \u0111\u00f3ng thu\u1ebf thu nh\u1eadp, kh\u00f4ng th\u1ec3 ch\u1ea1y \u0111\u01b0\u1ee3c cho t\u1edbi ch\u1ebft.<\/b><\/em><\/p>\n<p class=\"p1\"><em><b>Ti\u1ec1n Thu Nh\u1eadp Khi V\u1ec1 H\u01b0u<\/b>: <b>Ngo\u00e0i ti\u1ec1n SS (Social Security) m\u00ecnh c\u00f2n c\u00f3 th\u1ec3 c\u00f3 ti\u1ec1n \u1edf 401k, IRA, ROTH IRA \u0111\u1ec3 tr\u1ee3 gi\u00fap v\u00e0o s\u1ef1 thi\u1ec3u h\u1ee5t c\u1ee7a SS<\/b>. \u0110\u1ec3 c\u00f3 m\u1ed9t kh\u00e1i ni\u1ec7m v\u1ec1 ti\u1ec1n SS thi\u1ebfu h\u1ee5t nh\u01b0 th\u1ebf n\u00e0o n\u0103m 2024. Trung b\u00ecnh m\u1ed7i ng\u01b0\u1eddi v\u1ec1 h\u01b0u \u0111\u01b0\u1ee3c <b>$1907<\/b> m\u00e0 ti\u1ec1n c\u1ea7n s\u1ed1ng trung b\u00ecnh l\u00e0 tr\u00ean <b>$4818<\/b> m\u1ed9t th\u00e1ng v\u00ec <b>l\u1ea1m ph\u00e1t v\u1ec1 \u0111\u1ed3 \u0103n, \u0111\u1ed3 d\u00f9ng l\u00ean 30% ch\u1ee9 kh\u00f4ng ph\u1ea3i 3.6% nh\u01b0 ch\u00ednh ph\u1ee7 b\u00e0y ra<\/b>. Th\u00ec s\u1ef1 kh\u00e1c bi\u1ec7t n\u00e0y ph\u1ea3i c\u00f3 t\u1eeb nh\u1eefng c\u00f4ng \u0111\u1ec3 d\u00e0nh ti\u1ec1n nh\u01b0 401k, Savings, IRA, ho\u1eb7c ROTH IRA. \u0110\u1ecdc b\u00e0i m\u00ecnh vi\u1ebft v\u1ec1 nh\u1eefng accounts n\u00e0y \u0111\u1ec3 hi\u1ec3u r\u00f5 th\u00eam. <b>Nhi\u1ec1u ng\u01b0\u1eddi \u0111\u00e3 v\u1ec1 h\u01b0u, hi\u1ec7n nay ph\u1ea3i \u0111i l\u00e0m l\u1ea1i \u0111\u1ec3 \u0111\u1ee7 s\u1ed1ng \u1edf tu\u1ed5i tr\u00ean 70 v\u00ec kh\u00f4ng b\u00e0n t\u00ednh k\u1ef9 l\u01b0\u1ee1ng khi c\u00f2n tr\u1ebb. Tr\u1eddi kh\u00f4ng sinh voi sinh c\u1ecf nh\u01b0 m\u00ecnh ngh\u0129, nh\u1ea5t l\u00e0 \u1edf M\u1ef9.<span class=\"Apple-converted-space\">\u00a0 <\/span>Kh\u00f4ng b\u00e0n t\u00ednh k\u1ef9 th\u00ec l\u1ea1i \u0111\u00e8 con ra b\u1eaft n\u00f3 nu\u00f4i l\u00e0m kh\u1ed5 gia \u0111\u00ecnh n\u00f3.<\/b><\/em><\/p>\n<p class=\"p1\"><em><b>S\u1ed1ng Bao L\u00e2u? Thi\u1ec7t ra theo th\u1ed1ng k\u00ea v\u1edbi health care t\u00e2n ti\u1ebfn th\u1eddi nay, nh\u1eefng ng\u01b0\u1eddi qua \u0111\u01b0\u1ee3c 65 c\u00f3 th\u1ec3 s\u1ed1ng t\u1edbi 90 m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng n\u1ebfu \u0111i check up \u0111\u1ec1u \u0111\u1eb7n. Nh\u1eefng ng\u01b0\u1eddi ch\u1ebft b\u1ea5t \u0111\u1eafc k\u1ef3 t\u1eed l\u00e0 v\u00ec s\u1ee3 \u0111i check up ho\u1eb7c kh\u00f4ng c\u00f3 ti\u1ec1n \u0111i check up, kh\u00f4ng l\u00e0m \u0111\u1ee7 m\u1ecdi th\u1ee9 test khi \u0111i check up v\u00ec s\u1ee3 t\u1ed1n ti\u1ec1n hay s\u1ee3 h\u01b0\u01a1u s\u1ee3 v\u01b0\u1ee3n. Nhi\u1ec1u ng\u01b0\u1eddi b\u1ecb colon cancer v\u00ec kh\u00f4ng \u0111i soi ru\u1ed9t sau 50 tu\u1ed3i, \u0111\u00e2y l\u00e0 m\u1ed9t th\u00ed d\u1ee5 m\u00e0 th\u00f4i.<\/b><\/em><\/p>\n<p class=\"p1\"><em><b>L\u00e0m To\u00e1n: V\u1ec1 h\u01b0u n\u0103m 67 &#8211; S\u1ed1ng t\u1edbi 90 tu\u1ed5i l\u00e0 23 n\u0103m. Tu\u1ef7 theo n\u01a1i m\u00ecnh s\u1ed1ng, v\u1eadt gi\u00e1 r\u1ebb hay \u0111\u1eaft, nh\u01b0 CA th\u00ec hai v\u1ee3 ch\u1ed3ng c\u1ea7n \u00edt nh\u1ea5t $7k\/th\u00e1ng ti\u1ec1n m\u1eb7t \u0111\u1ec3 c\u00f3 m\u1ed9t \u0111\u1eddi s\u1ed1ng tho\u1ea3i m\u00e1i. Ti\u1ec1n thu\u00ea nh\u00e0, ti\u1ec1n xe c\u1ed9, ti\u1ec1n \u0103n, ti\u1ec1n health insurance, ti\u1ec1n b\u00e1c s\u0129, ti\u1ec1n \u0111i du l\u1ecbch h\u00e0ng th\u00e1ng, v.v\u2026 Nh\u01b0 m\u00ecnh l\u00e0m kh\u00e1 ti\u1ec1n th\u00ec SS s\u1ebd \u0111\u01b0\u1ee3c $3.7k, nh\u01b0ng n\u1ebfu m\u00ecnh ch\u1edd b\u00e0 x\u00e3 t\u1edbi tu\u1ed5i v\u1ec1 h\u01b0u non th\u00ec m\u00ecnh s\u1ebd l\u00e0m t\u1edbi 70 tu\u1ed5i v\u00ec c\u00f4ng vi\u1ec7c m\u00ecnh kh\u00f4ng kh\u1ed5 s\u1edf m\u00e0 nh\u1eb9 nh\u00e0ng, th\u00ec s\u1ebd \u0111\u01b0\u1ee3c $4758. Nhi\u1ec1u ng\u01b0\u1eddi khuy\u00ean m\u00ecnh n\u00ean l\u1ea5y h\u01b0u s\u1edbm v\u00ec l\u1ea5y tr\u1ec5 thi\u1ec7t ra kh\u00f4ng \u0111\u01b0\u1ee3c nhi\u1ec1u nh\u01b0 l\u1ea5y s\u1edbm, nh\u01b0ng c\u00e1i point l\u00e0 m\u00ecnh th\u00edch \u0111i l\u00e0m ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u00ecnh ph\u1ea3i \u0111i l\u00e0m, hai c\u00e1i kh\u00e1c nhau, m\u00ecnh \u0111i l\u00e0m m\u00ecnh kho\u1ebb th\u00eam v\u00e0 m\u00ecnh mu\u1ed1n ngh\u1ec9 \u0111i du l\u1ecbch v\u1edbi gia \u0111\u00ecnh b\u1ea5t c\u1ee9 l\u00fac n\u00e0o m\u00e0 v\u1eeba c\u00f3 l\u01b0\u01a1ng v\u1eeba c\u00f3 health insurance t\u1ed1t cho c\u1ea3 nh\u00e0.<\/b><\/em><\/p>\n<p class=\"p1\"><em><b>Ti\u1ec1n B\u00f9 v\u00e0o SS \u0111\u1ec3 s\u1ed1ng m\u1ed9t c\u00e1ch tho\u1ea3i m\u00e1i v\u00e0 nh\u1eb9 nh\u00e0ng: Nh\u01b0 m\u00ecnh \u0111\u00e3 n\u00f3i, ph\u1ea3i ki\u1ebfm nhi\u1ec1u ti\u1ec1n h\u01a1n m\u00ecnh c\u1ea7n th\u00ec l\u00fac n\u00e0o c\u0169ng tho\u1ea3i m\u00e1i v\u00e0 nh\u1eb9 nh\u00e0ng. C\u00e1i kinh ho\u00e0ng c\u1ee7a s\u1edf Thu\u1ebf l\u00e0 khi m\u00ecnh v\u1ec1 h\u01b0u, m\u00ecnh ch\u1ec9 \u0111i l\u00e0m ph\u1ee5 t\u1edbi m\u1ed9t s\u1ed1 ti\u1ec1n n\u00e0o \u0111\u00f3 th\u00f4i, n\u1ebfu kh\u00f4ng s\u1ebd b\u1ecb gi\u1ea3m ti\u1ec1n SS. Coi c\u00e1i h\u00ecnh m\u00ecnh b\u1ecf l\u00ean. <\/b><\/em><\/p>\n<p class=\"p1\"><em><b>401k, IRA, ROTH IRA: M\u00ecnh c\u00f3 th\u1ec3 ki\u1ebfm ti\u1ec1n c\u1ea3 t\u1ef7 trong \u0111\u00e2y m\u00e0 m\u1ed7i n\u0103m ch\u1ec9 r\u00fat ra ti\u1ec1n c\u1ea7n \u0111\u1ec3 s\u1ed1ng, th\u00ec ch\u1ec9 b\u1ecb \u0111\u00f3ng thu\u1ebf tr\u00ean ti\u1ec1n l\u1ea5y ra m\u00e0 th\u00f4i, kh\u00f4ng b\u1ecb \u1ea3nh h\u01b0\u1edfng t\u1edbi ti\u1ec1n SS h\u00e0ng th\u00e1ng. Nhi\u1ec1u Financial Advisors khuy\u00ean ph\u1ea3i c\u00f3 c\u1ea3 $1M-3M<span class=\"Apple-converted-space\">\u00a0 <\/span>\u0111\u1ec3 v\u1ec1 h\u01b0u m\u1ed9t c\u00e1ch tho\u1ea3i m\u00e1i, nh\u01b0ng n\u1ebfu bi\u1ebft c\u00e1ch ki\u1ebfm ti\u1ec1n trong ch\u1ee9ng kho\u00e1n th\u00ec kh\u00f4ng c\u1ea7n nhi\u1ec1u nh\u01b0 v\u1eady, ch\u1ec9 c\u1ea7n k\u1ef7 lu\u1eadt, ki\u00ean nh\u1eabn v\u00e0 s\u1ef1 hi\u1ec3u bi\u1ebft m\u00e0 th\u00f4i.<\/b><\/em><\/p>\n<p class=\"p1\"><em><b>Th\u00ec Sao? Th\u00ec ph\u1ea3i b\u1ecf ti\u1ec1n v\u00e0o IRA, ROTH IRA, 401k m\u00e0 ki\u1ebfm ti\u1ec1n t\u1eeb nh\u1eefng accounts n\u00e0y cho t\u1edbi ng\u00e0y m\u00ecnh v\u1ec1 h\u01b0u. Th\u00ed d\u1ee5 m\u1ed9t th\u00e1ng c\u1ea7n th\u00eam $4k \u0111\u1ec3 s\u1ed1ng th\u00ec m\u1ed9t n\u0103m c\u1ea7n $48k ti\u1ec1n m\u1eb7t. N\u1ebfu bi\u1ebft c\u00e1ch \u0111\u1ea7u t\u01b0 th\u00ec m\u00ecnh ch\u1ec9 c\u1ea7n $200k trong IRA hay ROTH IRA l\u00e0 s\u1ebd c\u00f3 $60k m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng. \u0110\u1ecdc b\u00e0i $1k2$1M ROTH IRA \u0111\u1ec3 hi\u1ec3u c\u00e1ch ki\u1ebfm ti\u1ec1n trong ch\u1ee9ng kho\u00e1n v\u1edbi SOXL.<\/b><\/em><\/p>\n<ul class=\"lcp_catlist\" id=\"lcp_instance_0\"><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Th\u1eddi gian tr\u00f4i r\u1ea5t nhanh, m\u00ecnh vi\u1ebft b\u00e0i n\u00e0y cho nh\u1eefng ng\u01b0\u1eddi \u1edf tu\u1ed5i 40-65 s\u1eeda so\u1ea1n cho ti\u1ec1n h\u01b0u tr\u00ed. \u1ede M\u1ef9 c\u00f3 th\u1ec3 kh\u00f4ng nh\u01b0 nh\u1eefng n\u01b0\u1edbc socialist, ti\u1ec1n h\u01b0u tr\u00ed tu\u1ef3 theo m\u00ecnh \u0111i l\u00e0m v\u00e0 b\u1ecf v\u00e0o theo l\u01b0\u01a1ng b\u1ed5ng c\u1ea3 \u0111\u1eddi m\u00ecnh cho c\u00e1i Social Security. Khi m\u00ecnh v\u1ec1 h\u01b0u, <a href=\"https:\/\/www.dognmonkey.com\/svlifevn\/kinh-te-gia-dinh-ve-huu-nhu-the-nao-de-khoi-phai-di-lam-lai.html\" class=\"more-link\">&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":6927,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1455,1354],"tags":[75,1483,1488,1367,842,1485,1487,1486,1484,1369],"class_list":["post-6926","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dau-tu-chung-khoan","category-kinh-te-gia-dinh","tag-401k","tag-huu-tri","tag-inflation","tag-lam-phat","tag-social-security","tag-tien-an-ninh-xa-hoi","tag-tien-dau-tu","tag-tien-de-danh","tag-tien-gia","tag-ve-huu"],"views":50,"_links":{"self":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6926","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=6926"}],"version-history":[{"count":1,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6926\/revisions"}],"predecessor-version":[{"id":6928,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6926\/revisions\/6928"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media\/6927"}],"wp:attachment":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media?parent=6926"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/categories?post=6926"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/tags?post=6926"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}