Do you tip on pretax or after tax?
大家好！“美国退休账户详解” （All About Retirement Accounts）这套课程上线啦！
购买链接如下：

别忘了用 coupon code “MONEY320”，获取50%的折扣！

这套课程分40个小节，涉及了美国常见退休账户的方方面面。有基础知识，比如401K和IRA的区别，Backdoor IRA如何操作；也有实操中常见的细节问题，例如Roth IRA存多了怎么办？留学生要回国了401K怎么办？Backdoor操作的时候被扣税了怎么办？
内容以我频道里的原视频为骨架，补充了视频没有的知识点，整合加工完成。我在整套课程里有意地把知识点串联梳理起来，由浅入深、系统地呈现给大家。作比较、列数据、讲实操、作总结，同一个知识点在不同场合反复出现，我就从不同的角度反复地说它。保证你在看完这套课程之后能把之前一些似懂非懂模模糊糊的概念全部吃的透透的。（第315期“Mega Backdoor”就是课程的节选，想要了解课程风格的朋友欢迎试听第315期）
每一个必要的场合都配了例子，每个例子都配了数字。该有的图表，分析等等都给它配起来。涉及计算的时候拿数字说话，还融合了原频留言区的观众留言（有观众提的好问题也有有价值的补充）。
我对这套课程的内容非常有信心，希望能够帮到有需要的朋友！

购买链接如下：

大纲如下：
前言
1. 401K
1.1 什么是401K
1.2. How does 401K plans Work
1.3. Contributing to a 401K
1.4. How does a 401K make money
1.5. Withdrawals from 401K
1.6. 离职之后401K 的match问题
1.7. 离职之后401K怎么处理
1.8 Roth 401K里面雇主match的钱是税前的还是税后的
1.9. 401K Loan
1.10. Traditional 401K Vs. Roth 401K

2. 回国之后退休账户怎么办？
3. IRA
3.1. IRA 简介
3.2. 什么是Earned income
3.3. IRA 有什么优点
3.4. IRA有什么缺点和限制
3.5. 未来的税率问题
3.6. Roth IRA简介
3.7. 什么是税前的钱？什么是税后的钱？
3.8. RMD (Required Minimum Distribution)
3.9. 如何在IRA账户中做短线交易？
4. Roth IRA
4.1. Roth IRA简介和Roth IRA与传统IRA相同的地方
4.2. Roth IRA 和IRA不同的地方
4.3. 从Roth IRA中取款的问题
4.4. Roth IRA 不qualified怎么办
4.5. 什么是recharacterization
5. Backdoor IRA
5.1. Backdoor IRA
5.2. 传统IRA里面既有税前的钱又有税后的钱
5.3. 传统IRA mixed，避税方法
5.4. backdoor IRA 8606
5.5. 股票跌了？为什么不抓住这个机会做Backdoor IRA？
5.6. Backdoor IRA不要用roll over的钱交税
5.7. Mega Backdoor Roth Strategy
6. 美国税法中的“收入”
6.1. 美国税法中的“收入” – 简介
6.2. 美国税法中的“收入” – Gross Income
6.3. 美国税法中的“收入” – AGI
6.4. 美国税法中的“收入” – Taxable Income
6.5. 美国税法上常见的几种收入- MAGI
6.6. 401K Deduction
7. Self-Directed IRA
8. 孩子的退休账户
8.1. 给孩子开Roth IRA
8.2. 529计划可以转成Roth IRA
9. 结束语
**************************************************************************************大家好！欢迎通过如下链接加入会员“谈钱也谈情”(Money & Life)：会员福利包括会员专属视频、投资机会介绍等等。迄今为止为大家介绍、推荐的投资机会或者投资方向有（欢迎翻阅往期会员视频）：

股票投资：2020年推荐了AMD、微软等股票
房地产投资：2021年推荐了越南房地产投资的方向；纽约市公寓投资固定收益项目；介绍各种房地产回报率的计算方式等等
私募基金投资：2022年介绍SpaceX投资机会、OpenAI、Cohere、Anthropic等AI 公司的投资机会
其它：期权的基本知识介绍；Margin Account的相关计算；投资行为、投资心理学的书籍阅读等等
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如果您想“和我一起来谈钱”，欢迎写电邮到 AskWei@chattymoney.com 来信请在标题注明“访谈”。正文内容请大致介绍您在哪方面有心得体会/经验教训/投资机会/理财历程，或其它一切跟钱有关系的有趣有料的话题。
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如果您想帮我把频道做的更好，欢迎点击如下链接打赏/One time Donation – Thank you!
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LEARN MORE ABOUT: IRA Accounts

TRANSFER IRA TO GOLD: Gold IRA Account

TRANSFER IRA TO SILVER: Silver IRA Account

REVEALED: Best Gold Backed IRA

After the pandemic, tipping has seen a significant increase in many countries. As restaurants and other service industries have struggled to recover from the economic downturn caused by the lockdowns and restrictions, customers have been more generous with their gratuities. However, this has sparked a debate over whether tipping should be calculated on the pre-tax or post-tax amount of a bill.

There are arguments for both sides of this issue. Those who believe tipping should be based on the pre-tax amount argue that taxes are not a reflection of the service provided by the staff. The tax amount is determined by the government and is not something that the servers have control over. Therefore, they argue that tipping on the pre-tax amount ensures that the servers are fairly compensated for the service they provided.

On the other hand, those who believe tipping should be based on the post-tax amount argue that the final bill that the customer sees includes the tax amount, so it makes sense to tip on that total. They argue that tipping on the post-tax amount is more straightforward and easier for customers to calculate. Additionally, tipping on a higher amount can help to provide more support to the employees who have been struggling during the pandemic.

Ultimately, the decision on whether to tip on the pre-tax or post-tax amount is up to the individual customer. Some may choose to tip based on the pre-tax amount as a way to ensure that servers are fairly compensated for their work, while others may opt to calculate their tip based on the post-tax amount to provide more support to the service staff. Whichever way you choose to tip, it is important to remember that gratuities are a way to show appreciation for the hard work of the service industry workers, especially during these challenging times.

In conclusion, the issue of tipping on the pre-tax or post-tax amount is a matter of personal preference. It is important to be considerate and generous when tipping, as service industry workers have been significantly impacted by the pandemic. Whether you choose to tip on the pre-tax or post-tax amount, the most important thing is to show appreciation for the hard work and dedication of the employees who serve you.