上期链接：收入7万5千美元就是幸福感的封顶？越有钱的人越幸福吗？2023年诺贝尔经济学奖得主最新研究：结论你可能想不到！第340期

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 “happiness”，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 “happiness”，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)
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
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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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The topic of generational wealth and its impact on mental health has always been a controversial one. Many people believe that being born into a wealthy family automatically guarantees happiness and success, while others argue that the pressures and expectations that come with wealth can actually lead to higher levels of anxiety and depression.

A recent study conducted by the 2023 Nobel Prize in Economics winner has shed light on this debate, providing surprising insights into the relationship between wealth and well-being. Contrary to popular belief, the study found that being born into wealth as a second-generation rich, or “Fuerdai” in Mandarin, can actually increase the likelihood of experiencing depression.

The study, which surveyed a large sample of individuals from different socioeconomic backgrounds, found that Fuerdai often face unique challenges and pressures that can contribute to feelings of isolation, inadequacy, and lack of purpose. These individuals are often expected to live up to the success and achievements of their parents, which can create immense pressure to perform and succeed.

Furthermore, the study also found that the pursuit of material wealth and status among the wealthy can lead to a lack of fulfillment and a sense of emptiness. While money can certainly provide comfort and security, it is not a guarantee of happiness. In fact, the study found that those who prioritize experiences, relationships, and personal growth over material possessions tend to report higher levels of happiness and life satisfaction.

So, what does this mean for the age-old question of whether money buys happiness? The study suggests that while wealth can certainly contribute to a comfortable lifestyle, true happiness and fulfillment come from within. Prioritizing meaningful relationships, personal growth, and experiences over material wealth is key to living a fulfilling and happy life, regardless of one’s socioeconomic status.

In conclusion, the 2023 Nobel Prize in Economics winner’s study challenges the notion that being born into wealth guarantees happiness. Instead, it highlights the importance of prioritizing personal well-being and fulfillment over material possessions. Ultimately, it is not how much money one has that determines happiness, but how one chooses to live their life.