用数字来说说为啥华人都不必太担心退休后的开支和生活----投坛新人
laolu3 (2014-01-08 09:39:33) 评论 (19)|
someone in silicone valley's income
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16667
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annual income divided by 12
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1
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tax withhold
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3300
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2
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phone
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65
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3
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cellular
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150
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4
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water
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50
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5
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utility
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70
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6
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trash
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35
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7
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cable TV
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115
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8
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alarm
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35
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9
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mortgage
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2100
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10
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HOA
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200
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11
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property tax
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700
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12
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home insurance
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80
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13
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life insurance
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50
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14
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gas
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400
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15
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car maintenace
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50
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16
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car insurance
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120
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17
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meidcal insurance
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578
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18
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medical fee
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100
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19
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kids after school
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250
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20
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kids lunch
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100
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21
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kids transportation
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80
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22
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other daily expense
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1000
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23
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401K
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2500
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monthly saving
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someone in silicone valley's income
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16666.7
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annual income divided by 12
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1
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tax withhold
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3300
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2
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phone
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65
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3
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cellular
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150
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4
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water
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50
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5
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utility
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70
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6
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trash
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35
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7
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cable TV
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115
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8
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alarm
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35
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9
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mortgage
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2100
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10
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HOA
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200
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11
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property tax
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700
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12
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home insurance
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80
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13
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life insurance
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50
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14
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gas
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400
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15
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car maintenace
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50
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16
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car insurance
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120
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17
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meidcal insurance
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578
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18
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medical fee
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100
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19
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kids after school
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250
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20
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kids lunch
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100
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21
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kids transportation
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80
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22
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other daily expense
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1000
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23
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401K
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2500
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monthly saving
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yearly saving
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monthly expense
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3798
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12869
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154424
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social security
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36000
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48000
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taxable SS
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2765.5
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0,5*c3+c5< 44000
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must start to withdraw at 70 1/2
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Taxable 401k
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19531
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if 401K has 500K, rmd is 19531
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interest
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0
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.
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capital gain
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0
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rental income
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0
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standard
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-13900
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exemption
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-7400
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Taxable income
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996.5
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99.60
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federal tax
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49.825
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state tax
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2000
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property tax
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2149.425
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total TAX
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0
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Other saving to spend after tax money
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53381.575
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net income
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4448.4646
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monthly expense limit
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评论 (19)
回复 '清晨时分' 的评论 : 我还是Email 给你，你要的Excel Form。一起探讨吧
回复 '清晨时分' 的评论 : SS RMD 都不是年轻人考虑的问题 你可再过二十年问我 那时我87 岁 如果还活着的话
还不到四十岁，但是早点打算是对的，麻烦能给我发一份你的公式吗？我也去琢磨琢磨。谢谢。
Wind_ice_2002@yahoo.com
我有个问题，若想提前退休，但这样就没了雇主提供的医保，自己要买是否很贵，还是也可加入Ｏｂａｍａｃａｒｅ？请问楼主医保如何解决，另外拿ＳＳ，是否就不能再做些兼职工作了？是提前拿ＳＳ好，还是到６７岁？
回复 'laborlaw' 的评论 : 你没细读此文吧？我是说：只要你工作，争取两口拿到3000/月的SS.另外，你家那时如有50万的401K。你就可以过上比年薪20万的人还要好的退休生活！！
年收入20万的家庭，当然不担心退休。
回复 'wenggn' 的评论 : 可以。谢谢你的愿意讨论的诚意。我的第一个进你HotMail的邮件会在Trash中，请注意
回复 'biophysics' 的评论 :你是写生物-物理的，应该知道，对事物的认识和研究。总是先从理想状态开始。我错在那里？
我从数字和公式中推导出我的结论。你想反驳我，请也用数字和公式
我早过了退休年龄，所以有资格谈退休生活。至所以工作，是因为我要有 一小化工厂要管。
看看美国人，所谓专业人士写的文章吧，如在“Money”上的。那个有计算，那个有推导？
担心也沒有用, 看菜吃饭, 有多少用多少。
回复 'silicon-valley' 的评论 : You thought here "the gas" was the gas for cooking? Ha Ha, If you live in USA long time enough, you should know, here the gas is for "gasoline"---used for your CAR!!
回复 'laolu3' 的评论 : 误会了。我不是说看看也就算了嘛？还是可以看的，只是你的参照是用40岁的情况套在70岁的人身上，不仅不合身的，还得在完全理想的状态下才行。楼下的的质疑都是合理的。如果你在2008退休，看你的退休账户还有多少钱，能剩下一半算好的吧？这就是风险。不管你年龄多大，可以看出来你还没有退休。等退休后再来质疑我医疗保险和医药花费的合理性，而且$2000/月是现在的价格。我的建议没错，不明白还是找专业人士咨询。不是专业人士，最好表明只是自己的感觉，一家之言，面得误导。不好意思哈。
我非常愿意学习和探讨. 能否得到你的excel file, 对照学学? My email wenggn@hotmail.com. 谢谢.
回复 'biophysics' 的评论 : I spent a lot time to write this article. Why you ask people not to read it? Are you older than I and experiencing the tough time that need spend $2000/month for medical insurance and medical cost? Yes, I did not mention inflation and 401K investment risk, however, I did not mention the 401k investment gain, either. You should list all the numbers to debate with me as all the intellectuals (including biophysicist)do.
你住硅谷吗？ 美国哪里的房子每年才2000地税？芝加哥郊区30多万的房子就将近一万了。以后只会涨，不可能落。
借用薄西来的话 ”一派胡言“。 简单举个例子， 硅谷谁家煤气一个月烧400刀？那是餐馆。
你的开销是按当前水平估算的，这些都会增长的。而退休后，你的收入基本已经固定了。除非你有其他投资，可以保持你的收入持续增长，达到或超过通胀。不然一定会有些紧张的。
你讨论的是最理想的情况。
问题是有几个人愿意七十岁才退休呢? 万一五十多岁的时候失业了呢? 能不担心吗?
1。货币贬值因素和退休账户投资风险没有考虑。2。医疗保险和医药花费没有$2000/月肯定不够。3。万一需要请人照顾，或者住老人院，现在全美的花费平均就是$100K一年。4。不说了，漏洞太多。但愿大家不会被不会误导。建议大家找专业明白人咨询，这样的东西看看也就算了。
laolu3