经常有人问，我挣多少钱才算一个积分？每年是不一样的，随着通货膨胀每年会有所增加。今年2023年挣$1640算一个积分。那是每个季度都要挣这么多才能积累4个积分吗？当然不是的。
那挣够40个积分就足够了吗？其实40个积分是有了领取社安金的最基本要求，也是能拿免费的part A的基本要求，至于社安金能拿多少钱，那不仅仅是40个积分，还根据交的税多少有关。所以，想要多拿社安金，就要多交税才行。
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其他节目：
第22期：父母移民美国怎么购买医疗保险？

第81期： 没有40个积分有社安金养老金和免费的Medicare红蓝卡 Part A吗？不工作的单身、离婚、已婚配偶和丧偶的有什么不同，离异又复婚的怎么算？领取配偶社安金的一半到底有多少

第80期：您知道多大年龄可以领社安金，领多少？能提前领吗？夫妻或单身领取策略有什么不同？

第11期：退休规划：如何优化配偶社安金政府养老金，怎么领取可以最优化，没有工作过，退休可以领社安金吗？最多可以领配偶的一半，Social Security Spousal Benefit

第 8 期: 美国养老退休金，我们能拿多少社安金吗？手把手教你计算，如何优化社安金领取，什么年龄拿社安金比较好呢？晚拿每年8%增长，Social Security Benefit, 拿社安金需要的条件

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第77期：海外身份，绿卡公民在美国投资怎么收税，各自优缺点，遗产税都是1千2百多万吗？夫妻双方一人绿卡，一人外国人，怎么投资比较划算？外国人投资房地产、股票、公债，银行利息要交税吗？

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第74期：Roth IRA的5年规则的真相您知道吗？从哪天开始算5年？什么时候拿没有税和罚款呢？需要等五年吗？

第73期：四重省税工具HSA怎么投资，可以带走并继承吗？IRA可以转成HSA，

第72期：永不交税、四重省税功能的工具您有吗？省双重税，三重税的是哪些？

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…(read more)

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Title: Period 84: How Much Money Does it Take to Earn a Credit in 2023? Do I Have to Earn Every Quarter to Accumulate 4 Credits? Is Earning Exactly 40 Credits Enough to Retire? The Relationship between Social Security Benefits and Taxes Paid

Introduction

The Chinese Social Security system is an essential aspect of the country’s welfare system. Its purpose is to provide financial assistance to individuals during their retirement years. As such, it is essential to understand the criteria for earning credits, the accumulation of credits, and the relationship between Social Security benefits and taxes paid. This article will address these questions, providing information relevant to the 84th term of the Social Security program.

Earning Credits Each Quarter and Accumulating 4 Credits

To be eligible for Social Security benefits in China, individuals must accrue a certain number of credits. In terms of the 84th term, it is mandatory to earn credits in each quarter throughout the year to accumulate a total of four credits. Missing even one quarter’s credit may result in accumulating fewer than four credits for that year.

The minimum amount of money required to earn one credit varies from year to year. However, the actual amount required to earn a credit in 2023 has yet to be officially announced. Therefore, it is crucial for individuals to stay updated with the latest guidelines from the Chinese Social Security administration.

Earning 40 Credits: Is it Enough to Retire?

Contrary to popular belief, earning precisely 40 credits is not the sole requirement needed to secure retirement benefits. While accumulating 40 credits is a significant milestone, there are additional considerations to take into account. Factors such as an individual’s age, their overall work history, and the amount of income earned during their working years are also taken into consideration.

To determine the actual retirement benefits individuals will receive, each person’s specific situation is evaluated based on the prevailing criteria defined by the Chinese Social Security system. Therefore, it is advised to consult with the relevant authorities or seek professional advice to ensure a comprehensive understanding of the retirement benefits.

The Relationship between Social Security Benefits and Taxes Paid

The amount of Social Security benefits an individual receives can be influenced by the taxes they have paid during their working years. The Chinese Social Security system operates on a pay-as-you-go basis, meaning the current workforce pays for the current retirees’ benefits. Hence, the amount of taxes paid throughout one’s working years can impact their future Social Security benefits.

Generally, higher taxes mean higher benefits, as the amount of benefits received is calculated based on an individual’s average monthly covered earnings. However, it is important to note that Social Security benefits are subject to a maximum limit defined by the authorities. Consequently, individuals who earn excessively high incomes may not receive proportionately higher benefits due to this regulation.

Conclusion

As the 84th term of the Chinese Social Security program approaches, it is crucial to fully understand the criteria for earning and accumulating credits. While it is yet to be confirmed how much money is required to earn a credit in 2023, it is important to stay informed and comply with the regulations laid out by the Chinese Social Security administration. Additionally, achieving exactly 40 credits is not the sole determinant for retirement benefits, as other factors such as age and work history also play a significant role. Lastly, the relationship between Social Security benefits and taxes paid should be considered, as the amount of taxes paid can impact the future benefits received.