{"id":7253,"date":"2025-05-09T15:23:36","date_gmt":"2025-05-09T22:23:36","guid":{"rendered":"https:\/\/www.dognmonkey.com\/svlifevn\/?p=7253"},"modified":"2025-05-09T15:26:35","modified_gmt":"2025-05-09T22:26:35","slug":"roth-ira","status":"publish","type":"post","link":"https:\/\/www.dognmonkey.com\/svlifevn\/roth-ira.html","title":{"rendered":"ROTH IRA"},"content":{"rendered":"<p><em>\u0110a s\u1ed1 ai c\u0169ng nghe t\u1edbi <strong>ROTH IRA<\/strong>, v\u00ec <strong>nghe n\u00f3i khi v\u1ec1 h\u01b0u, c\u00f3 bao nhi\u00eau l\u1ea5y ra b\u1ea5y nhi\u00eau m\u00e0 kh\u00f4ng ph\u1ea3i tr\u1ea3 m\u1ed9t \u0111\u1ed3ng thu\u1ebf n\u00e0o<\/strong>\u00a0kh\u00f4ng nh\u01b0 IRA ho\u1eb7c 401k. \u0110\u00fang v\u00ec n\u00f3 l\u00e0 <strong>post-tax<\/strong> account, ngh\u0129a l\u00e0 ti\u1ec1n trong \u0111\u00f3 m\u00ecnh \u0111\u00e3 tr\u1ea3 thu\u1ebf r\u1ed3i. Nh\u01b0ng n\u00f3 c\u00f3 nhi\u1ec1u \u0111i\u1ec3u kho\u1ea3n m\u00e0 m\u00ecnh ph\u1ea3i bi\u1ebft \u0111\u1ec3 kh\u00f4ng b\u1ecb ph\u1ea1t khi l\u00e0m sai.<\/em><\/p>\n<p><em><strong>Khi c\u00f2n tr\u1ebb, \u0111\u1ed9c th\u00e2n,<\/strong> \u0111i l\u00e0m part time hay full time \u1edf tu\u1ed5i <strong>1-49<\/strong>, IRS s\u1ebd cho m\u00ecnh b\u1ecf v\u00e0o ROTH IRA t\u1ed1i \u0111a l\u00e0 $<strong>7k (ti\u1ec1n \u0111\u00f3ng thu\u1ebf r\u1ed3i) m\u1ed9t n\u0103m n\u1ebfu l\u00e0m d\u01b0\u1edbi (MAGI = Modified Adjusted Gross Income) $150k<\/strong>. N\u1ebfu c\u00f3 gia \u0111\u00ecnh m\u00e0 hai v\u1ee3 ch\u1ed3ng <strong>MAGI d\u01b0\u1edbi $236k th\u00ec \u0111\u01b0\u1ee3c b\u1ecf m\u1ed7i ng\u01b0\u1eddi $7k<\/strong>, nh\u01b0ng n\u1ebfu <strong>tr\u00ean $236k v\u00e0 d\u01b0\u1edbi $246k th\u00ec \u0111\u01b0\u1ee3c b\u1ecf \u00edt, tu\u1ef3 theo<\/strong> IRS. C\u00f2n <strong>tr\u00ean $246k<\/strong> th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ecf \u0111\u1ed3ng n\u00e0o.<\/em><\/p>\n<p><em><strong>S\u1ef1 l\u1ee3i h\u1ea1i c\u1ee7a ROTH IRA<\/strong>: n\u1ebfu con m\u00ecnh \u0111i l\u00e0m part time m\u00e0 b\u1ecf v\u00e0o m\u1ed7i n\u0103m $7k, t\u1ee9c l\u00e0 $583\/th\u00e1ng mua SPLG \u0111\u1ec1u \u0111\u1eb7n th\u00ec n\u1ebfu SP500 ki\u1ebfm trung b\u00ecnh 8%\/n\u0103m th\u00ec compounded cho t\u1edbi tu\u1ed5i 59.5 th\u00ec con m\u00ecnh s\u1ebd c\u00f3 $2,321,000 m\u00e0 kh\u00f4ng ph\u1ea3i \u0111\u00f3ng 1 \u0111\u1ed3ng thu\u1ebf n\u00e0o. Nh\u01b0ng c\u00e1i hay c\u1ee7a ROTH IRA l\u00e0 khi con l\u1edbn tu\u1ed5i, l\u1eadp gia \u0111\u00ecnh c\u1ea7n ti\u1ec1n, th\u00ec l\u00fac \u0111\u00f3 l\u1ea5y ti\u1ec1n V\u1ed0N ra kh\u00f4ng ph\u1ea3i \u0111\u00f3ng thu\u1ebf. Th\u00ed d\u1ee5 18 tu\u1ed5i b\u1ecf v\u00e0o $7k\/n\u0103m, t\u1edbi n\u0103m 40 l\u00e0 22 n\u0103m l\u00fac \u0111\u00f3 trong ROTH c\u00f3 th\u1ec3 c\u00f3 $421k, c\u1ea7n ti\u1ec1n mua nh\u00e0 hay g\u00ec \u0111\u00f3 th\u00ec ti\u1ec1n \u0111\u00e3 b\u1ecf v\u00e0o l\u00e0 $154k th\u00ec \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ea5y ra c\u1ea3 $154k \u0111\u1ec3 d\u00f9ng. Ch\u1ec9 kh\u00f4ng \u0111\u01b0\u1ee3c l\u1ea5y ti\u1ec1n l\u1eddi ra th\u00f4i, ti\u1ec1n l\u1eddi l\u00fac \u0111\u00f3 v\u1eabn compounded theo SPLG n\u1ebfu ETF ti\u1ebfp t\u1ee5c l\u00ean.<\/em><\/p>\n<p><strong><em>Chuy\u1ec3n ti\u1ec1n t\u1eeb 401k qua ROTH IRA: <\/em><\/strong><\/p>\n<p><strong><em>1. <\/em><\/strong><em>Khi m\u00ecnh ngh\u1ec9 l\u00e0m \u1edf m\u1ed9t h\u00e3ng n\u00e0o, m\u00ecnh c\u00f3 hai c\u00e1i quy\u1ec1n l\u00e0 \u0111\u1ed5i 401k c\u0169 qua IRA ho\u1eb7c qua ROTH IRA. 401k l\u00e0 ti\u1ec1n pre-tax, t\u1ee9c l\u00e0 ch\u01b0a \u0111\u00f3ng thu\u1ebf, khi m\u00ecnh chuy\u1ec3n qua ROTH IRA th\u00ec ph\u1ea3i \u0111\u00f3ng thu\u1ebf nh\u01b0 l\u00e0 ti\u1ec1n income n\u0103m \u0111\u00f3. Th\u00ed d\u1ee5 m\u00ecnh l\u00e0m $100k m\u00e0 401k h\u00e3ng c\u0169 l\u00e0 $100k m\u00e0 chuy\u1ec3n h\u1ebft qua ROTH IRA th\u00ec ph\u1ea3i \u0111\u00f3ng thu\u1ebf income n\u0103m \u0111\u00f3 l\u00e0 $100k + $100k = $200k. N\u00ean ng\u01b0\u1eddi ta khuy\u00ean l\u00e0 chuy\u1ec3n qua IRA tr\u01b0\u1edbc, r\u1ed3i t\u1eeb IRA m\u1ed7i n\u0103m chuy\u1ec3n qua ROTH IRA t\u1eeb t\u1eeb \u0111\u1ec3 kh\u1ecfi ph\u1ea3i \u0111\u00f3ng thu\u1ebf m\u1ed9t l\u00fac nhi\u1ec1u.<\/em><\/p>\n<p><strong><em>2. Khi v\u1ec1 H\u01b0u:\u00a0<\/em><\/strong><em>N\u1ebfu m\u00ecnh ch\u01b0a c\u00f3 ROTH IRA account, th\u00ec khi v\u1ec1 h\u01b0u, nhi\u1ec1u ng\u01b0\u1eddi mu\u1ed1n chuy\u1ec3n ti\u1ec1n t\u1eeb 401k ho\u1eb7c IRA qua ROTH IRA, nh\u01b0ng IRS c\u00f3 lu\u1eadt 5 n\u0103m, ngh\u0129a l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c r\u00fat ti\u1ec1n ra sau 5 n\u0103m t\u1eeb ng\u00e0y b\u1ecf ti\u1ec1n v\u00e0o. N\u00ean n\u1ebfu c\u1ea7n ti\u1ec1n \u0111\u1ec3 s\u1ed1ng li\u1ec1n th\u00ec kh\u00f4ng n\u00ean b\u1ecf. Theo m\u00ecnh th\u00ec chia ra l\u00e0m 2 ph\u1ea7n, m\u1ed9t ph\u1ea7n \u1edf trong IRA \u0111\u1ec3 r\u00fat ra s\u1ed1ng cho \u0111\u1ee7 5-10 n\u0103m, ph\u1ea7n kia chuy\u1ec3n qua ROTH \u0111\u1ec3 ki\u1ebfm ti\u1ec1n trong 5-10 n\u0103m \u0111\u00f3 cho nhi\u1ec1u. Ph\u1ea3i bi\u1ebft \u0111\u1ea7u t\u01b0 d\u00f9 401k, IRA hay ROTH IRA. ROTH IRA ch\u1ec9 t\u1ed1t khi ki\u1ebfm nhi\u1ec1u l\u1eddi m\u00e0 th\u00f4i, c\u00f2n thua l\u1ee5n b\u1ea1i th\u00ec c\u0169ng ch\u1eb3ng c\u00f3 l\u1ee3i g\u00ec. C\u00f3 m\u1ed9t c\u00e1i l\u1ee3i c\u1ee7a ROTH IRA l\u00e0 kh\u00f4ng b\u1ecb l\u1ec7 thu\u1ed9c v\u00e0o <strong>lu\u1eadt RMD c\u1ee7a IRS sau 73 tu\u1ed5i,<\/strong> ngh\u0129a l\u00e0 kh\u00f4ng ph\u1ea3i l\u1ea5y ti\u1ec1n ra \u0111\u1ec3 b\u1ecb \u0111\u00f3ng thu\u1ebf nh\u01b0 IRA ho\u1eb7c 401k. Nh\u01b0ng n\u1ebfu m\u00ecnh \u0111\u01b0\u1ee3c th\u1eeba k\u1ebf ROTH IRA account th\u00ec v\u1eabn ph\u1ea3i b\u1ecb lu\u1eadt <strong>RMD<\/strong>.<\/em><\/p>\n<p><em><strong>Lu\u1eadt RMD c\u1ee7a IRS<\/strong>: Required Minimum Distribution l\u00e0 lu\u1eadt m\u1ed7i ng\u01b0\u1eddi t\u1edbi tu\u1ed5i 73 ph\u1ea3i l\u1ea5y m\u1ed9t s\u1ed1 ti\u1ec1n quy \u0111\u1ecbnh ra \u0111\u1ec3 b\u1ecb \u0111\u00f3ng thu\u1ebf d\u00f9 m\u00ecnh kh\u00f4ng c\u1ea7n ti\u1ec1n. Tu\u1ef3 theo ho\u00e0n c\u1ea3nh c\u1ee7a m\u1ed7i ng\u01b0\u1eddi, ng\u01b0\u1eddi c\u00f3 v\u1ee3 tr\u1ebb h\u01a1n 10 tu\u1ed5i th\u00ec kh\u00e1c v\u1edbi v\u1ee3 g\u1ea7n b\u1eb1ng tu\u1ed5i th\u00ec t\u1ef7 l\u1ec7 ti\u1ec1n l\u1ea5y ra kh\u00e1c nhau. Trung b\u00ecnh l\u00e0 <strong>25.3<\/strong>, ngh\u0129a l\u00e0 n\u1ebfu m\u00ecnh c\u00f3 $100,000 trong IRA hay 401k, m\u00ecnh b\u1eaft bu\u1ed9c ph\u1ea3i l\u1ea5y ra m\u1ed7i n\u0103m <strong>$100,000\/25.3 = $3952.57<\/strong> v\u00e0 \u0111\u00f3ng thu\u1ebf tr\u00ean ti\u1ec1n n\u00e0y c\u00f9ng v\u1edbi ti\u1ec1n Social Security v\u00e0 nh\u1eefng income kh\u00e1c nh\u01b0 stocks, dividends, interests. IRS c\u00f3 c\u00e1i b\u1ea3ng t\u1ef7 l\u1ec7 cho v\u1ee3 ch\u1ed3ng, m\u1ed9t m\u00ecnh theo tu\u1ed5i sau 73.<\/em><\/p>\n<p><strong><em>3. M\u1edf ROTH IRA Cho Con Nh\u1ecf:\u00a0<\/em><\/strong><em>ROTH IRA kh\u00f4ng c\u1ea7n bi\u1ebft tu\u1ed5i t\u00e1c, ch\u1ec9 c\u1ea7n bi\u1ebft c\u00f3 l\u00e0m ra ti\u1ec1n v\u00e0 \u0111\u00f3ng thu\u1ebf l\u00e0 m\u1edf \u0111\u01b0\u1ee3c nh\u01b0ng ph\u1ea3i khai income tax m\u1ed7i n\u0103m cho con nh\u1ecf d\u00f9 kh\u00f4ng ph\u1ea3i tr\u1ea3 m\u1ed9t \u0111\u1ed3ng thu\u1ebf n\u00e0o. C\u00e1i kh\u00e1c bi\u1ec7t l\u00e0 con l\u00e0m bao nhi\u00eau th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c b\u1ecf v\u00e0o \u0111\u00f3 b\u1ea5y nhi\u00eau cho t\u1edbi khi l\u00e0m tr\u00ean $7k th\u00ec m\u1edbi \u0111\u01b0\u1ee3c b\u1ecf v\u00e0o t\u1edbi $7k. C\u00f4ng vi\u1ec7c c\u1ee7a con c\u00f3 th\u1ec3 t\u1eeb qu\u00e9t l\u00e1, lau nh\u00e0, gi\u1eb7t qu\u1ea7n \u00e1o, h\u1ed1t r\u00e1c trong nh\u00e0, nh\u1eefng c\u00f4ng vi\u1ec7c n\u00e0y c\u00f3 th\u1ec3 li\u1ec7t k\u00ea theo gi\u00e1 c\u1ea3 tr\u1ea3 cho con, m\u1ed7i tu\u1ea7n, m\u1ed7i ng\u00e0y, m\u1ed7i th\u00e1ng. C\u00e1i n\u00e0y t\u1ed1t h\u01a1n 529 cho con, v\u00ec m\u00ecnh t\u1ef1 m\u00ecnh cai qu\u1ea3n chuy\u1ec7n \u0111\u1ea7u t\u01b0 cho con m\u00ecnh m\u1ed9t c\u00e1ch h\u1eefu hi\u1ec7u h\u01a1n. C\u00e1i hay n\u1eefa l\u00e0 \u0111\u1ecdc c\u00e1i s\u1ef1 l\u1ee3i h\u1ea1i \u1edf tr\u00ean, con m\u00ecnh c\u00f3 th\u1ec3 r\u00fat h\u1ebft ti\u1ec1n b\u1ecf v\u00e0o t\u1eeb nh\u1ecf m\u00e0 kh\u00f4ng \u0111\u00f3ng thu\u1ebf. C\u00e1i ROTH IRA account cho con g\u1ecdi l\u00e0 Custodian ROTH IRA account, ch\u1ec9 c\u00f3 \u0111i\u1ec1u l\u00e0 khi con l\u1edbn t\u1edbi 18 tu\u1ed5i th\u00ec ph\u1ea3i chuy\u1ec3n qua cho n\u00f3, kh\u00f4ng \u0111\u01b0\u1ee3c quy\u1ec1n d\u00ednh v\u00e0o. L\u00fac \u0111\u00f3 con t\u1ed1t th\u00ec v\u1eabn \u0111\u1ec3 ti\u1ec1n trong \u0111\u00f3 m\u00e0 \u0111\u1ea7u t\u01b0 ti\u1ebfp, con kh\u00f4ng t\u1ed1t th\u00ec t\u1ef1 n\u00f3 r\u00fat ti\u1ec1n ra m\u00ecnh c\u0169ng kh\u00f4ng l\u00e0m \u0111\u01b0\u1ee3c g\u00ec. C\u00e1i n\u00e0y c\u1ea7n s\u1ef1 d\u1ea1y d\u1ed7 v\u00e0 tin t\u01b0\u1edfng con c\u00e1i, cho nh\u01b0 \u0111\u00e3 m\u1ea5t r\u1ed3i.<\/em><\/p>\n<link href=\"\/idogjs\/icss\/font-awesome\/css\/ifotorama.css\" rel=\"stylesheet\"><script src=\"https:\/\/ajax.googleapis.com\/ajax\/libs\/jquery\/1.11.3\/jquery.min.js\"><\/script><script src=\"\/idogjs\/ijs\/ifotorama.js\"><\/script>\n<div class='fotorama--wp' data-ids='7260,7264,7259,7263,7261,7262,7256,7257,7258'data-allowfullscreen='yes'data-link='file'data-itemtag='dl'data-icontag='dt'data-captiontag='dd'data-columns='0'data-size='large'data-width='562'data-auto='false'data-max-width='100%'data-ratio='0.93666666666667'><div id='gallery-1' class='gallery galleryid-7253 gallery-columns-0 gallery-size-thumbnail'><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_compound_41yr.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_compound_41yr.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_compound_41yr-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"compound 41 years\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_total_41yr.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_total_41yr.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_total_41yr-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"compound total 41 year\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_22_years.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_22_years.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_22_years-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"compound 22 years\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_roth_takeaways.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_roth_takeaways.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_roth_takeaways-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Roth Takeaway\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_roth_limit.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_roth_limit.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_roth_limit-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Roth Limit\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_roth_penalty.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_roth_penalty.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_roth_penalty-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Roth Penalty\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_caculate_rmd.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_caculate_rmd.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_caculate_rmd-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Required Minimum Distribution\" srcset=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_caculate_rmd-211x112.jpg 211w, https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_caculate_rmd-300x158.jpg 300w, https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_caculate_rmd.jpg 600w\" sizes=\"auto, (max-width: 211px) 100vw, 211px\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_ult72.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_ult72.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_ult72-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Required Minimum Distribution\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_ult96.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_ult96.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_ult96-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"Required Minimum Distribution\" \/><\/a>\n\t\t\t<\/dt><\/dl>\n\t\t<\/div>\n<\/div>\n<ul class=\"lcp_catlist\" id=\"lcp_instance_0\"><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u0110a s\u1ed1 ai c\u0169ng nghe t\u1edbi ROTH IRA, v\u00ec nghe n\u00f3i khi v\u1ec1 h\u01b0u, c\u00f3 bao nhi\u00eau l\u1ea5y ra b\u1ea5y nhi\u00eau m\u00e0 kh\u00f4ng ph\u1ea3i tr\u1ea3 m\u1ed9t \u0111\u1ed3ng thu\u1ebf n\u00e0o\u00a0kh\u00f4ng nh\u01b0 IRA ho\u1eb7c 401k. \u0110\u00fang v\u00ec n\u00f3 l\u00e0 post-tax account, ngh\u0129a l\u00e0 ti\u1ec1n trong \u0111\u00f3 m\u00ecnh \u0111\u00e3 tr\u1ea3 thu\u1ebf r\u1ed3i. Nh\u01b0ng n\u00f3 c\u00f3 nhi\u1ec1u \u0111i\u1ec3u kho\u1ea3n <a href=\"https:\/\/www.dognmonkey.com\/svlifevn\/roth-ira.html\" class=\"more-link\">&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":7264,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1354],"tags":[75,539,1692,1370,1694,1693],"class_list":["post-7253","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kinh-te-gia-dinh","tag-401k","tag-ira","tag-penalty","tag-roth-ira","tag-sau-thue","tag-truoc-thue"],"views":50,"_links":{"self":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/7253","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=7253"}],"version-history":[{"count":4,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/7253\/revisions"}],"predecessor-version":[{"id":7266,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/7253\/revisions\/7266"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media\/7264"}],"wp:attachment":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media?parent=7253"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/categories?post=7253"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/tags?post=7253"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}