{"id":7228,"date":"2025-05-06T12:18:52","date_gmt":"2025-05-06T19:18:52","guid":{"rendered":"https:\/\/www.dognmonkey.com\/svlifevn\/?p=7228"},"modified":"2025-05-06T12:26:26","modified_gmt":"2025-05-06T19:26:26","slug":"toi-lui-dam-chan-tai-cho","status":"publish","type":"post","link":"https:\/\/www.dognmonkey.com\/svlifevn\/toi-lui-dam-chan-tai-cho.html","title":{"rendered":"T\u1edbi, Lui, D\u1eadm Ch\u00e2n T\u1ea1i Ch\u1ed7"},"content":{"rendered":"<p><em>Khi t\u1edbi tu\u1ed5i v\u1ec1 h\u01b0u m\u00ecnh m\u1edbi th\u1ea5y nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng t\u00ednh to\u00e1n cho t\u01b0\u01a1ng lai c\u1ea3m th\u1ea5y \u0111u\u1ed1i v\u00e0 lo l\u1eafng khi vi\u1ec7c l\u00e0m kh\u00f4ng c\u00f2n, ti\u1ec1n v\u00e0o b\u0103ng kh\u00f4ng c\u00f3 h\u00e0ng th\u00e1ng v\u00e0 ti\u1ec1n \u0111\u1ec3 d\u00e0nh th\u00ec kh\u00f4ng bao nhi\u00eau, m\u1ecdi th\u1ee9 ch\u1ec9 nh\u00ecn v\u00e0o ti\u1ec1n Social Security m\u00e0 \u0111a s\u1ed1 ch\u1ec9 l\u00e0 1\/3, 1\/4 c\u1ee7a ti\u1ec1n m\u00ecnh khi c\u00f3 vi\u1ec7c. Ti\u1ec1n nh\u00e0 th\u00ec v\u1eabn c\u1ed1 \u0111\u1ecbnh, ti\u1ec1n \u0111i\u1ec7n n\u01b0\u1edbc, xe c\u1ed9, \u0103n u\u1ed1ng v\u1eabn ph\u1ea3i x\u00e0i. Nhi\u1ec1u khi ti\u1ec1n Social Security kh\u00f4ng \u0111\u1ee7 tr\u1ea3 ti\u1ec1n s\u1edf h\u1ee5i cho \u0111\u1eddi s\u1ed1ng c\u00f2n l\u1ea1i.<\/em><\/p>\n<p><em>M\u00ecnh hay n\u00f3i <strong>Fail to Plan, Plan to Fail<\/strong>, ngh\u0129a l\u00e0 trong \u0111\u1eddi s\u1ed1ng v\u1edbi b\u1ea5t c\u1ee9 chuy\u1ec7n g\u00ec, c\u0169ng ph\u1ea3i c\u00f3 m\u1ee5c ti\u00eau, k\u1ebf ho\u1ea1ch \u0111\u1ec3 ti\u1ebfn t\u1edbi v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c. N\u1ebfu m\u00ecnh c\u00f3 m\u1ee5c ti\u00eau \u0111i t\u1edbi th\u00ec m\u00ecnh s\u1ebd t\u1edbi d\u00edch, c\u00f2n \u0111i l\u00f9i, hay d\u1eadm ch\u00e2n t\u1ea1i ch\u1ed7 th\u00ec kh\u00f4ng bao gi\u1edd t\u1edbi m\u1ed9t c\u00e1i \u0111\u00edch n\u00e0o c\u1ea3.<\/em><\/p>\n<p><em><strong>\u0110i t\u1edbi<\/strong>: Ti\u1ec1n v\u00e0o nhi\u1ec1u h\u01a1n ti\u1ec1n ra th\u00ec s\u1ebd c\u00f3 ti\u1ec1n \u0111\u1ec3 d\u00e0nh \u0111\u1ec3 \u0111\u1ea7u t\u01b0, ti\u1ec1n \u0111\u1ebb ra ti\u1ec1n th\u00ec khi v\u1ec1 h\u01b0u s\u1ebd c\u00f3 nhi\u1ec1u ti\u1ec1n, sung t\u00fac.\u00a0<\/em><\/p>\n<p><em><strong>\u0110i l\u00f9i:<\/strong> Ti\u1ec1n ra nhi\u1ec1u h\u01a1n ti\u1ec1n v\u00e0o th\u00ec m\u1ed7i ng\u00e0y m\u1ed9t n\u1ee3 th\u00eam v\u00e0 \u0111i v\u00e0o l\u1ee5n b\u1ea1i, ti\u1ec1n credit card s\u1ebd \u0103n h\u1ebft ti\u1ec1n v\u00ec ti\u1ec1n l\u1eddi r\u1ea5t cao.<\/em><\/p>\n<p><em><strong>D\u1eadm ch\u00e2n t\u1ea1i ch\u1ed7<\/strong>: Ti\u1ec1n v\u00e0o b\u1eb1ng ti\u1ec1n ra, kh\u00f4ng \u0111\u1ec3 d\u00e0nh m\u00e0 c\u0169ng kh\u00f4ng m\u1eafc n\u1ee3, l\u00e0m bao nhi\u00eau x\u00e0i b\u1ea5y nhi\u00eau, m\u1ef9 g\u1ecdi l\u00e0 live paycheck to paycheck.<\/em><\/p>\n<p><em>Khi m\u00ecnh \u0111\u1ed9c th\u00e2n, mu\u1ed1n s\u1ed1ng sao th\u00ec s\u1ed1ng, nh\u01b0ng khi c\u00f3 gia \u0111\u00ecnh, tr\u00e1ch nhi\u1ec7m s\u1ebd nhi\u1ec1u h\u01a1n, tr\u1eddi kh\u00f4ng sinh voi sinh c\u1ecf. Hai v\u1ee3 ch\u1ed3ng ph\u1ea3i c\u00f9ng nhau b\u00e0n t\u00ednh x\u00e2y d\u1ef1ng cho t\u01b0\u01a1ng lai, kh\u00f4ng ch\u1ec9 m\u00ecnh anh, m\u00ecnh em m\u00e0 c\u1ea3 hai, \u0111\u1ed3ng v\u1ee3 \u0111\u1ed3ng ch\u1ed3ng t\u00e1t b\u1ec3 \u0111\u00f4ng c\u0169ng c\u1ea1n, hai \u0111\u1ea7u th\u00ec t\u1ed1t h\u01a1n l\u00e0 m\u1ed9t, c\u00e1i n\u00e0y g\u1ecdi l\u00e0 team work. N\u1ebfu tr\u01b0\u1edbc khi l\u1ea5y nhau m\u00e0 kh\u00f4ng c\u00f3 k\u1ebf ho\u1ea1ch, m\u1ed9t gi\u1ea5c m\u01a1 n\u00e0o \u0111\u00f3 th\u00ec \u0111\u1eebng l\u1ea5y nhau v\u00e0 nh\u1ea5t l\u00e0 \u0111\u1eebng c\u00f3 con, v\u00ec con c\u00e1i r\u1ea5t t\u1ed1n k\u00e9m. M\u00ecnh bi\u1ebft nhi\u1ec1u gia \u0111\u00ecnh v\u1ee3 kh\u00f4ng bi\u1ebft t\u00e0i ch\u00e1nh gia \u0111\u00ecnh ra sao, v\u00ec s\u1ee3 ch\u1ed3ng hay l\u01b0\u1eddi kh\u00f4ng mu\u1ed1n bi\u1ebft, \u0111\u1ec3 ch\u1ed3ng lo. C\u00e1i n\u00e0y l\u00e0 sai l\u1ea7m nh\u01b0ng cho t\u1edbi khi v\u1ec1 gi\u00e0 m\u1edbi bi\u1ebft s\u1ef1 ki\u1ec7n ra sao.<\/em><\/p>\n<p><em>1. <strong>\u0110i T\u1edbi<\/strong>: Mu\u1ed1n bi\u1ebft ti\u1ec1n v\u00e0o nhi\u1ec1u h\u01a1n ti\u1ec1n ra hay kh\u00f4ng th\u00ec download c\u00e1i <a href=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/PERSONAL-MONTHLY-BUDGET-TEMPLATE.xlsx\"><button class=\"w3-button w3-blue w3-round-xlarge\">PERSONAL MONTHLY BUDGET TEMPLATE<\/button><\/a> m\u00e0 \u0111i\u1ec1n v\u00e0o m\u1ecdi th\u1ee9 ti\u00eau x\u00e0i v\u00e0 l\u01b0\u01a1ng \u0111em v\u1ec1 th\u00ec s\u1ebd bi\u1ebft c\u00f3 \u0111\u1ec3 d\u00e0nh \u0111\u01b0\u1ee3c hay kh\u00f4ng. N\u1ebfu kh\u00f4ng th\u00ec ph\u1ea3i ki\u1ebfm th\u00eam ti\u1ec1n hay b\u1edbt ti\u00eau x\u00e0i \u0111i. \u1ede CA \u0111\u1eddi s\u1ed1ng \u0111\u1eaft \u0111\u1ecf, l\u01b0\u01a1ng b\u1ed5ng ph\u1ea3i nhi\u1ec1u, n\u1ebfu ch\u1ed3ng kh\u00f4ng l\u00e0m \u0111\u1ee7, th\u00ec v\u1ee3 ph\u1ea3i \u0111i l\u00e0m th\u00eam thay v\u00ec m\u1ed9t ng\u01b0\u1eddi g\u00e1nh h\u1ebft. S\u1ed1ng \u1edf M\u1ef9 nhi\u1ec1u n\u0103m, n\u00ean c\u00f3 m\u1ed9t b\u1eb1ng c\u1ea5p \u0111\u1ea1i h\u1ecdc n\u00e0o \u0111\u00f3, v\u00ec c\u00e1i b\u1eb1ng s\u1ebd cho m\u00ecnh m\u1ed9t \u0111\u1ed3ng l\u01b0\u01a1ng t\u01b0\u01a1ng \u0111\u1ed1i cao h\u01a1n kh\u00f4ng c\u00f3 b\u1eb1ng c\u1ea5p. Th\u00e0 b\u1ecf gi\u1edd 4-5 n\u0103m \u0111i h\u1ecdc th\u00ec s\u1ebd c\u00f3 c\u00e1i b\u1eb1ng c\u1ea3 \u0111\u1eddi. Th\u1eddi gian tr\u00f4i mau, kh\u00f4ng c\u00f3 b\u1eb1ng c\u1ea5p, l\u01b0\u01a1ng th\u1ea5p c\u1ea3 \u0111\u1eddi, t\u1edbi gi\u00e0 th\u00ec kh\u00f3 m\u00e0 ki\u1ebfm vi\u1ec7c. C\u00e1i b\u1eb1ng \u0111\u1ea1i h\u1ecdc kh\u00f4ng l\u00e0 g\u00ec c\u1ea3, n\u00f3 ch\u1ec9 l\u00e0 m\u1ed9t t\u1edd gi\u1ea5y ch\u1ee9ng nh\u1eadn l\u00e0 m\u00ecnh \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ed9t th\u00e0nh t\u00edch g\u00ec trong \u0111\u1eddi m\u00ecnh, c\u00e1i n\u00e0y c\u0169ng l\u00e0m cho m\u00ecnh t\u1ef1 tin h\u01a1n trong \u0111\u1eddi s\u1ed1ng. B\u1eb1ng g\u00ec c\u0169ng l\u00e0 b\u1eb1ng, M\u1ef9 n\u00f3 g\u1ecdi l\u00e0 credentials, Nh\u1ea5t ngh\u1ec7 tinh, nh\u1ea5t th\u00e2n vinh. Ng\u01b0\u1eddi n\u00e0o gi\u1ecfi v\u1ec1 th\u01b0\u01a1ng m\u1ea1i th\u00ec \u0111i m\u1edf kinh doanh, m\u1edf g\u00ec c\u0169ng \u0111\u01b0\u1ee3c, ch\u1ec9 c\u1ea7n cho ti\u1ec1n m\u00ecnh nhi\u1ec1u h\u01a1n ti\u1ec1n m\u00ecnh c\u1ea7n x\u00e0i \u0111\u1ec3 c\u00f3 ti\u1ec1n \u0111\u1ea7u t\u01b0.<\/em><\/p>\n<p><em><strong>Khi \u0111i l\u00e0m m\u00e0 s\u1edf c\u00f3 401k th\u00ec b\u1ecf v\u00e0o c\u00e0ng nhi\u1ec1u m\u1ed7i n\u0103m c\u00e0ng t\u1ed1t. C\u00e1i sai l\u1ea7m c\u1ee7a v\u1ee3 ch\u1ed3ng l\u00e0 b\u1ecf h\u1ebft ti\u1ec1n v\u00e0o m\u1ed9t c\u00e1i nh\u00e0, kh\u00f4ng c\u00f3 ti\u1ec1n \u0111\u1ec3 d\u00e0nh cho t\u01b0\u01a1ng lai m\u00e0 nh\u1edd v\u1ea3 v\u00e0o c\u0103n nh\u00e0 l\u00ean gi\u00e1 khi v\u1ec1 h\u01b0u, nh\u01b0ng qu\u00ean l\u00e0 b\u00e1n nh\u00e0 v\u1eabn ph\u1ea3i c\u1ea7n ch\u1ed7 \u1edf v\u00e0 ph\u1ea3i tr\u1ea3 ti\u1ec1n. N\u1ebfu mua nh\u00e0 m\u00e0 m\u1ed7i n\u0103m v\u1eabn b\u1ecf v\u00e0o 401k \u00edt nh\u1ea5t $15k m\u1ed7i n\u0103m th\u00ec h\u00e3y mua, $20k th\u00ec t\u1ed1t h\u01a1n. L\u00e0m to\u00e1n, n\u1ebfu \u1edf tu\u1ed5i 35 l\u1eadp gia \u0111\u00ecnh, b\u1ecf v\u00e0o<\/strong> <strong>401k $15k\/n\u0103m, mua h\u1ebft SP500 trung b\u00ecnh 10%\/n\u0103m ti\u1ec1n l\u1eddi, th\u00ec sau 42 n\u0103m l\u00e0 v\u1ec1 h\u01b0u th\u00ec s\u1ebd c\u00f3 trong 401k l\u00e0 $9,762,290<\/strong>. <strong>Tha h\u1ed3 m\u00e0 c\u00f3 ti\u1ec1n cho h\u01b0u tr\u00ed m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i b\u00e1n nh\u00e0<\/strong>.<\/em><\/p>\n<p><em>2. <strong>D\u1eadm Ch\u00e2n T\u1ea1i Ch\u1ed7<\/strong>: Ti\u1ec1n v\u00e0o b\u1eb1ng ti\u1ec1n ra. M\u1ed7i ng\u00e0y m\u00ecnh m\u1ed9t gi\u00e0 \u0111i, c\u00f3 \u0111\u1ed3ng n\u00e0o x\u00e0i \u0111\u1ed3ng \u0111\u00f3, kh\u00f4ng ngh\u0129 t\u1edbi t\u01b0\u01a1ng lai, th\u00ec khi t\u1edbi gi\u1edd v\u1ec1 h\u01b0u th\u00ec ch\u1eb3ng c\u00f3 g\u00ec c\u1ea3, c\u1ea3 gia \u0111\u00ecnh.<\/em><\/p>\n<p><em>3. <strong>\u0110i L\u00f9i<\/strong>: \u0110\u00e2y l\u00e0 tr\u01b0\u1eddng h\u1ee3p c\u1ee7a nhi\u1ec1u gia \u0111\u00ecnh c\u1ea3 hai v\u1ee3 ch\u1ed3ng kh\u00f4ng bi\u1ebft l\u00e0m to\u00e1n, ti\u1ec1n ra nhi\u1ec1u h\u01a1n ti\u1ec1n v\u00e0o, ngh\u0129a l\u00e0 x\u00e0i ti\u1ec1n nhi\u1ec1u h\u01a1n m\u00ecnh c\u00f3, t\u1ed1i ng\u00e0y m\u1eafc n\u1ee3, thi\u1ebfu ti\u1ec1n th\u00ec x\u00edch m\u00edch, c\u00e3i l\u1ed9n, r\u1ed7i t\u1edbi ng\u00e0y n\u00e0o \u0111\u00f3 s\u1ebd kh\u00e1nh t\u1eadn v\u00e0 m\u1ea1nh ai n\u1ea5y \u0111i v\u00ec nh\u1eefng ng\u01b0\u1eddi n\u00e0y kh\u00f4ng th\u00edch kh\u00f3 kh\u0103n, t\u00ednh b\u1ecf ch\u1ea1y thay v\u00ec chi\u1ebfn \u0111\u1ea5u. \u0110a s\u1ed1 l\u00e0 th\u00edch s\u0129 di\u1ec7n, th\u00edch \u0111\u1ed3 \u0111\u1eb9p, xe sang m\u00e0 ti\u1ec1n th\u00ec kh\u00f4ng c\u00f3, l\u00e0m l\u01b0\u01a1ng b\u1ed5ng gi\u1ecfi, credit t\u1ed1t, c\u1ee9 th\u1ebf m\u00e0 x\u00e0i. Con \u0111i h\u1ecdc tr\u01b0\u1eddng t\u01b0 thay v\u00ec tr\u01b0\u1eddng c\u00f4ng, nh\u00e0 cao c\u1eeda r\u1ed9ng, \u0103n u\u1ed1ng t\u00e1 l\u1ea3, kh\u00f4ng c\u1ea7n bi\u1ebft t\u1eb1n ti\u1ec7n l\u00e0 g\u00ec. Nh\u01b0 ng\u01b0\u1eddi \u0111\u1eddi c\u00f3 n\u00f3i, n\u1ed3i n\u00e0o th\u00ec \u1eafp vung \u0111\u00f3, ph\u1ea3i c\u1ea3 hai v\u1ee3 ch\u1ed3ng t\u00e2m \u0111\u1ea7u \u00fd h\u1ee3p m\u1edbi c\u00f3 c\u1ea3nh n\u00e0y.<\/em><\/p>\n<p><em><strong>Mua xe m\u1edbi, \u0111\u1ed3 hi\u1ec7u, \u0103n sang, m\u1eb7c \u0111\u1eb9p kh\u00f4ng ai c\u1ea5m, nh\u01b0ng ph\u1ea3i ngh\u0129 t\u1edbi t\u01b0\u01a1ng lai v\u00ec th\u1eddi gian \u0111i kh\u00f4ng ch\u1edd ai c\u1ea3, quay \u0111i quay l\u1ea1i 4 b\u00f3, 5 b\u00f3, r\u1ed3i 6 b\u00f3. Nh\u00ecn l\u1ea1i \u0111\u1eddi m\u00ecnh l\u00fac \u0111\u00f3 m\u1edbi ti\u1ebfc \u0111\u1eddi.<\/strong><\/em><\/p>\n<p><em><strong>Khi \u0111i l\u00e0m c\u00f3 l\u01b0\u01a1ng b\u1ed5ng kh\u00e1 m\u00ecnh kh\u00f4ng \u0111\u1ec3 \u00fd l\u00e0 m\u1ed7i th\u00e1ng c\u00f3 ti\u1ec1n v\u00e0o, nh\u01b0ng khi v\u1ec1 h\u01b0u v\u00e0 v\u1ec1 gi\u00e0, m\u1ea5t vi\u1ec7c, ti\u1ec1n kh\u00f4ng c\u00f2n v\u00e0o n\u1eefa m\u00e0 ch\u1ec9 ch\u00f2i tr\u1ecdi ti\u1ec1n gi\u00e0 ho\u1eb7c Social Security t\u1eeb $2k-$4k n\u00f3 kh\u00e1c h\u1eb3n v\u00ec m\u00ecnh \u0111\u00e3 l\u00e0m c\u1ea3 tr\u0103m ng\u00e0n<\/strong>.\u00a0<\/em><\/p>\n<p><em>V\u1edbi l\u1ea1m ph\u00e1t l\u00ean m\u1ed7i n\u0103m, Financial Planners c\u00f3 nhi\u1ec1u cases gia \u0111\u00ecnh M\u1ef9 \u0111\u1ec3 d\u00e0nh $1.6M \u1edf tu\u1ed5i 65 v\u00e0 \u0111\u01b0\u1ee3c SS $2k\/th\u00e1ng, mu\u1ed1n s\u1ed1ng sung t\u00fac \u1edf CA c\u0169ng kh\u00f4ng \u0111\u1ee7 v\u00ec v\u1eadt gi\u00e1 qu\u00e1 cao. N\u1ebfu nh\u01b0 m\u00ecnh ch\u01b0a tr\u1ea3 xong ti\u1ec1n nh\u00e0 th\u00ec m\u1ed7i th\u00e1ng v\u1eabn ph\u1ea3i c\u00f3 $4k \u0111\u1ec3 tr\u1ea3 ti\u1ec1n nh\u00e0, ti\u1ec1n thu\u1ebf m\u00e0 SS t\u1ed1i \u0111a l\u1ea5y \u0111\u01b0\u1ee3c \u1edf tu\u1ed5i 70 l\u00e0 $4758 m\u1ed9t th\u00e1ng, ch\u01b0a t\u00ednh thu\u1ebf. N\u00f3i v\u1ec1 lu\u1eadt 4% cho ng\u01b0\u1eddi v\u1ec1 h\u01b0u, ngh\u0129a l\u00e0 n\u1ebfu \u0111\u1ec3 ti\u1ec1n trong 401k v\u1edbi SP500 8% th\u00ec l\u1ea5y ra 4% th\u00ec s\u1ebd c\u00f3 ti\u1ec1n x\u00e0i cho \u0111\u1ee7 20 n\u0103m c\u00f2n l\u1ea1i trong \u0111\u1eddi. Theo kinh t\u1ebf gia b\u00e2y gi\u1edd th\u00ec \u01b0\u1edbc l\u01b0\u1ee3ng l\u00e0 SP500 ch\u1ec9 ki\u1ebfm \u0111\u01b0\u1ee3c 3% cho m\u1ea5y n\u0103m t\u1edbi m\u00e0 th\u00f4i v\u00ec kinh t\u1ebf \u0111ang b\u1ecb kh\u1ee7ng ho\u1ea3ng. <strong>L\u00e0m to\u00e1n, n\u1ebfu trong 401k c\u00f3 $1.6M, m\u1ed7i n\u0103m 8% l\u00e0 c\u00f3 $128k v\u00e0 l\u1ea5y ra 4% c\u1ee7a t\u1ed5ng s\u1ed1 ti\u1ec1n l\u00e0 $69k m\u1ed9t n\u0103m + $24k = $93k\/n\u0103m ch\u01b0a t\u00ednh thu\u1ebf<\/strong>, \u1edf CA c\u0169ng ch\u01b0a g\u1ecdi l\u00e0 sung t\u00fac cho l\u1eafm. Theo m\u00ecnh th\u00ec $150k l\u00e0 v\u1eeba, ngh\u0129a l\u00e0 m\u1ed7i n\u0103m m\u00ecnh ph\u1ea3i ki\u1ebfm <strong>$100k + $57k = $157k\/n\u0103m<\/strong>, c\u0169ng v\u1eeba \u0111\u1ee7 v\u00ec m\u00ecnh ki\u1ebfm 10% \u0111\u1ec1u \u0111\u1eb7n m\u1ed7i n\u0103m m\u00e0 kh\u00f4ng ph\u1ea3i kh\u1ed5 s\u1edf, ng\u1ed3i \u0111\u00e2u mua b\u00e1n ETF c\u0169ng ra ti\u1ec1n, Cancun, Europe, Asia hay \u1edf nh\u00e0. M\u00ecnh v\u00e0 b\u00e0 x\u00e3 \u0111\u00e3 ti\u1ebfn t\u1edbi m\u1ee5c ti\u00eau c\u1ee7a hai ng\u01b0\u1eddi, being wealthy.<\/em><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_budget_template.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-7230\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_budget_template.jpg\" alt=\"Budget template\" width=\"600\" height=\"333\" srcset=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_budget_template.jpg 600w, https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_budget_template-300x167.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a> <a href=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_15k_42year.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-7231\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_15k_42year.jpg\" alt=\"$15k 10% 42 year\" width=\"470\" height=\"600\" srcset=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_15k_42year.jpg 470w, https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_15k_42year-235x300.jpg 235w\" sizes=\"auto, (max-width: 470px) 100vw, 470px\" \/><\/a><\/p>\n<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><em><ul class=\"lcp_catlist\" id=\"lcp_instance_0\"><\/ul><\/em><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Khi t\u1edbi tu\u1ed5i v\u1ec1 h\u01b0u m\u00ecnh m\u1edbi th\u1ea5y nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng t\u00ednh to\u00e1n cho t\u01b0\u01a1ng lai c\u1ea3m th\u1ea5y \u0111u\u1ed1i v\u00e0 lo l\u1eafng khi vi\u1ec7c l\u00e0m kh\u00f4ng c\u00f2n, ti\u1ec1n v\u00e0o b\u0103ng kh\u00f4ng c\u00f3 h\u00e0ng th\u00e1ng v\u00e0 ti\u1ec1n \u0111\u1ec3 d\u00e0nh th\u00ec kh\u00f4ng bao nhi\u00eau, m\u1ecdi th\u1ee9 ch\u1ec9 nh\u00ecn v\u00e0o ti\u1ec1n Social Security m\u00e0 \u0111a s\u1ed1 ch\u1ec9 l\u00e0 <a href=\"https:\/\/www.dognmonkey.com\/svlifevn\/toi-lui-dam-chan-tai-cho.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":[1354],"tags":[75,539,768,1370,1683,843,1484,1682,1674,1369],"class_list":["post-7228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kinh-te-gia-dinh","tag-401k","tag-ira","tag-retirement","tag-roth-ira","tag-so-hui","tag-social-security-benefits","tag-tien-gia","tag-tien-huu","tag-tien-nha","tag-ve-huu"],"views":44,"_links":{"self":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/7228","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=7228"}],"version-history":[{"count":3,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/7228\/revisions"}],"predecessor-version":[{"id":7234,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/7228\/revisions\/7234"}],"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=7228"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/categories?post=7228"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/tags?post=7228"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}