2023年12月31日之前要做的6个省税的小tips！第333期
内容总结：
Tip 1：在年末之前为退休账户（如IRA，401k等）进行缴费，以节省税款。
Tip 2：进行亏损收割（loss harvesting），即卖出亏损资产以抵减实现收益。
Tip 3：进行Roth转换，将传统IRA中的钱转移到Roth IRA中，用于后门IRA操作。
Tip 4：考虑是否选择标准扣除（standard deduction）或明细扣除（itemize deduction）来报税。
Tip 5：提前支付教育费用以获得教育相关的税收优惠。
Tip 6：利用礼物税起征点，通过给予他人礼物来进行资产转移和遗产规划。
还有RMD（Required Minimum Distribution）：提醒年龄较大的人需要在年底之前领取RMD。
此外，视频还介绍了HSA账户的好处和限额。
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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 “TIPS”，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 “TIPS”，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？
3.8. RMD (Required Minimum Distribution)
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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6 Provinces Tax Tips to Do Before December 31, 2023! Issue 333

As the year comes to a close, it’s important for taxpayers in six provinces across the country to make sure they have completed all necessary tax-related tasks before December 31, 2023. Here are 6 small tips to ensure you’re on track with your provincial taxes:

1. Check your eligibility for tax credits and deductions: Before the end of the year, take a moment to review the tax credits and deductions available in your province. Make sure you have taken advantage of all the tax breaks you’re entitled to, such as the Home Accessibility Tax Credit in Ontario or the Tax Credit for Childcare Expenses in Quebec.

2. Ensure your investments are in order: If you have investments, whether it’s in stocks, mutual funds, or real estate, it’s important to review your portfolio and consider any tax implications. This includes realizing any tax losses, rebalancing your portfolio, or making any necessary adjustments to minimize the tax impact on your investments.

3. Make a pension contribution: If you have an RRSP (Registered Retirement Savings Plan) or a similar pension plan, consider making a contribution before the end of the year to reduce your taxable income. This can help you save on taxes and boost your retirement savings at the same time.

4. Contribute to a Tax-Free Savings Account (TFSA): In some provinces, contributing to a TFSA can also help you save on taxes. If you have contribution room available, consider topping up your TFSA before the end of the year to take advantage of tax-free investment growth.

5. Review your provincial tax forms and deadlines: Different provinces have different tax forms and deadlines. Make sure you are aware of the specific requirements for your province and ensure you have all the necessary documents in order to file your taxes on time.

6. Seek professional advice if needed: If you have complex tax situations or are unsure about the best strategies for minimizing your tax liability, consider seeking advice from a tax professional. They can help you navigate the complexities of provincial tax laws and ensure you are in compliance with all requirements.

By taking these small steps, you can ensure that you are on top of your provincial taxes and maximize your tax savings before the end of the year. Don’t wait until the last minute – start planning now to make the most of your tax situation!