今集跟大家分享在美國生活不可不提的退休帳戶：401k、IRA 、FSA、HSA。它們如何幫助您規劃退休生活、節省稅金，怎至申請社會福利呢？

*本集字幕由Whisper AI自動生成，會存在不少錯漏。

大家好！我是Tommy Ho，一個移民美國洛杉磯的香港人。在這裡，你可以找到各種美國生活資訊。如果你對這個頻道有什麼意見，希望可以在留言告訴我，我會盡快答覆！

My Email:
tommyholosangeles@gmail.com

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LEARN MORE ABOUT: IRA Accounts

INVESTING IN A GOLD IRA: Gold IRA Account

INVESTING IN A SILVER IRA: Silver IRA Account

REVEALED: Best Gold Backed IRA

401k/IRA Retirement Accounts, Early Retirement, Tax Savings, and Applying for EBT Food Stamps 【Life in the United States】in Cantonese

If you’re planning for retirement, it’s important to understand the benefits of 401k/IRA retirement accounts. These accounts are a great way to save money for your retirement years while also enjoying tax savings. An employer-sponsored 401k plan lets employees contribute a portion of their paycheck to a tax-deferred savings account. This means you won’t have to pay income taxes on those contributions until you withdraw them in retirement.

Another popular type of retirement account is the IRA (Individual retirement account). Unlike a 401k, anyone can open and contribute to an IRA account, regardless of whether they have an employer-sponsored retirement plan. IRAs have similar tax benefits, but they’re not tied to a specific employer.

One benefit of these retirement accounts is the ability to retire early. If you’re planning on retiring before age 59 1/2, it’s important to know that withdrawals from a retirement account before that age will typically result in a tax penalty. However, there are a few exceptions, such as if you are disabled or need to cover certain medical expenses.

In addition to early retirement, these accounts can also save you on income taxes. You’ll only pay taxes on the money you withdraw from your retirement account, so if you’re in a lower tax bracket during retirement, you’ll pay less in taxes on your withdrawals.

If you’re struggling to make ends meet, EBT (Electronic Benefit Transfer) food stamps can be a helpful resource. To apply for EBT food stamps, you’ll need to fill out an application with your local Department of Social Services. The amount you receive will vary depending on your household income and size, but it can help cover the cost of groceries and other necessities.

In conclusion, retirement planning is an important part of life and understanding the benefits of 401k/IRA retirement accounts can help you save for your future. Additionally, early retirement and tax savings make these accounts even more attractive. If you’re struggling financially, applying for EBT food stamps can provide some much-needed assistance with your grocery bills.