大家好！“美国退休账户详解” （All About Retirement Accounts）这套课程终于上线啦！被大家呼吁了2年多，我终于克服了拖延症把这套课程做出来啦！
购买链接如下：

别忘了用 coupon code “YOUTUBE321”，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：

别忘了用 coupon code “YOUTUBE321”，获取50%的折扣！

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？
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
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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、频道更新等等。谢谢大家的支持和鼓励！

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。

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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Article: How Much Wealth is Required for a Secure Retirement at the Ages of 35, 50, and 60? (Issue 321)

When it comes to planning for retirement, one of the most crucial questions is, “How much wealth do I need to ensure a secure and comfortable retirement?” The answer to this question varies depending on different factors, such as age, lifestyle, and individual goals. In this article, we will explore the amount of assets needed for a robust retirement at the ages of 35, 50, and 60.

At the age of 35, retirement planning might be the last thing on your mind. However, experts suggest that starting early is key to building a substantial nest egg. By this age, financial advisors recommend having a retirement savings equivalent to your annual salary or at least three times your annual expenses. Considering the increasing life expectancy and inflation rates, it is vital to envision a retirement that will last at least 30 years. It might seem challenging to save such a significant amount, but by setting aside a portion of your income each month and investing wisely, you can steadily build your retirement fund.

Moving on to the age of 50, retirement planning takes on a more urgent tone. At this stage, individuals should aim to have accumulated a retirement savings of six to seven times their annual income or ten times their annual expenses. This target takes into consideration the fact that there are only a limited number of years left until retirement. Increasing contributions to retirement accounts, maximizing employer contributions, and minimizing unnecessary expenses become essential strategies at this point. Additionally, continually reassessing your retirement goals and adjusting your investments based on your risk tolerance and financial circumstances can strengthen your retirement plan.

Finally, when reaching 60, retirement becomes a more immediate reality. The ideal range for retirement savings at this age is between 10 to 11 times your annual income or 15 to 20 times your annual expenses. By this stage, it is crucial to have a clear understanding of your anticipated retirement lifestyle and any potential healthcare expenses. Regularly reviewing and adjusting your investments and retirement plan is essential to ensure you are on track to meet your financial goals. It might also be beneficial to consult with a financial advisor who specializes in retirement planning to ensure a smooth transition from the working years to retirement.

It is important to note that the figures mentioned above are general guidelines, and individual circumstances may vary. Factors such as projected retirement age, desired standard of living, and other sources of income, such as social security or pensions, should also be taken into account when determining the appropriate level of wealth for retirement.

In conclusion, planning for retirement requires careful consideration and investment of time and resources. Starting early and regularly contributing to retirement savings accounts is crucial for a secure retirement. At the ages of 35, 50, and 60, having a retirement savings equivalent to a multiple of annual income or expenses provides a solid base. However, it is essential to revisit and adjust your retirement plan as you approach different stages of life. By doing so, you can ensure a stable and comfortable retirement that aligns with your financial goals and expectations.