le s3突然不能充电了# PDA - 掌中宝
p*y
1 楼
先说两个今年报税才学到的知识：
IRA: contribution not deductible when Modified AGI>$119,000 [1]
Roth IRA: no contribution allowed when modified AGI > $199,000 [2]
[1]https://www.irs.gov/retirement-plans/2017-ira-deduction-limits-effect-of-
modified-agi-on-deduction-if-you-are-covered-by-a-retirement-plan-at-work)
[2]https://www.irs.gov/retirement-plans/plan-participant-
employee/amount-of-roth-ira-contributions-that-you-can-make-for-2018
以往都是通过Roth IRA里contribute $5500，去年(2017)因为公司一次性bonus还有股
市牛市的缘故，很偶然地disquality Roth IRA income threshold了。
请问当收入不再qualify后如何能继续减免税呢？常听说那个401K roll over成IRA/
Roth IRA，是不是走这条路？去年错过了是 不是就没机会补上了？
BTW，如上面列的，当你收入上去后，traditional IRA也不再deductible。
Traditional IRA好处本就是before tax money。若不能deductible，就跟after-tax
money几乎没区别了。
IRA: contribution not deductible when Modified AGI>$119,000 [1]
Roth IRA: no contribution allowed when modified AGI > $199,000 [2]
[1]https://www.irs.gov/retirement-plans/2017-ira-deduction-limits-effect-of-
modified-agi-on-deduction-if-you-are-covered-by-a-retirement-plan-at-work)
[2]https://www.irs.gov/retirement-plans/plan-participant-
employee/amount-of-roth-ira-contributions-that-you-can-make-for-2018
以往都是通过Roth IRA里contribute $5500，去年(2017)因为公司一次性bonus还有股
市牛市的缘故，很偶然地disquality Roth IRA income threshold了。
请问当收入不再qualify后如何能继续减免税呢？常听说那个401K roll over成IRA/
Roth IRA，是不是走这条路？去年错过了是 不是就没机会补上了？
BTW，如上面列的，当你收入上去后，traditional IRA也不再deductible。
Traditional IRA好处本就是before tax money。若不能deductible，就跟after-tax
money几乎没区别了。
