Legal Tax Saving Methods for Individuals in the United States. What is an IRA? [A Story About Living in America]

이번 영상은 재정 전문가 Timothy Hong 씨와 함께 미국에서 생활하며 세금 보고를 할 때 합법적으로 세금을 줄일수 있는 Tool이라 할 수 있는 IRA에 대해서 이야기 해봤습니다. 저(이대장)은 미국에서의 생활이 그리 오래 되지 않아서도 그렇고 이런 내용을 접해 볼 기회가 없었어서 개인적으로 IRA에 대해서 거의 모르고 있었는데 이번 영상을 통해서 많이 이해가 됐습니다. 이제 7월15일인 올해 세금 보고 마감일이 얼마 남지 않았는데 영상을 보시고 IRA에 대해서 잘 이해하시고 어떤 분들에게는 세금 보고 하시는데 도움이 되길 바라는 마음입니다. 세금 보고 마감에 대한 내용 미국에 사는 한국 사람들이 많이 하는 돈을 모으는 방법. 이렇게 하는거 괜찮을까? 재정 전문가 Timothy Hong hounduck@gmail.com 저희 영상을 통해서 미국 생활 하시는데 도움이 되셨다면 꼭 "구독", "좋아요", 그리고 "공유"도 해주시길 바랍니다~^^ UStory는 "미준모"와 함께 합니다. ※네이버 대표카페 '미준모(미국여행,유학,취업,이민,영주권,시민권 준비자들 모임)' ☞...(read more)

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Living in the United States comes with its share of taxes, but there are a few legal ways to save some money. One such option is the Individual retirement account (IRA). An IRA is a type of savings account that offers tax benefits to individuals saving for retirement. There are two main types of IRAs: Traditional and Roth. In a Traditional IRA, contributions are made with pre-tax dollars, reducing your taxable income for the year. The money in the account grows tax-deferred, meaning you won't owe taxes on any gains until you withdraw the funds in retirement. At that point, withdrawals are taxed at your current tax rate. A Roth IRA, on the other hand, is funded with after-tax dollars, so contributions don't reduce your taxable income for the year. However, the money in the account grows tax-free, and when you withdraw funds in retirement, the withdrawals are also tax-free. One of the benefits of IRAs is that they allow you to contribute up to a certain amount each year, which is adjusted for inflation annually. For the 2021 tax year, the contribution limit is $6,000 for those under age 50 and $7,000 for those 50 or older. Another way to save money on taxes is by making charitable donations. Donations to qualified charities are tax-deductible, meaning you can lower your taxable income by the amount of your donation. It's important to keep records of your charitable contributions to ensure you can claim the deduction on your tax return. Additionally, taking advantage of tax credits can help reduce your tax bill. Tax credits are typically based on specific actions or circumstances, such as installing energy-efficient home improvements or adopting a child. Research available tax credits and see if any apply to your situation. Finally, it's always a good idea to consult with a tax professional to ensure you're taking advantage of all available legal tax-saving strategies. They can help you navigate the often-complicated tax codes and make sure you're not missing any important deductions. In conclusion, IRAs are one way to save on taxes while saving for retirement, but there are also other legal strategies individuals can use to reduce their tax bill. Always make sure to stay up-to-date on tax laws and consult with a professional to maximize your tax savings. https://inflationprotection.org/legal-tax-saving-methods-for-individuals-in-the-united-states-what-is-an-ira-a-story-about-living-in-america/?feed_id=87606&_unique_id=6438e48621a1c #Inflation #Retirement #GoldIRA #Wealth #Investing #ira #makemoney #managemoney #money #계 #돈 #돈모으기 #미국 #미국생활 #생활 #세금 #세금줄이기 #세금공제 #자산 #재정 #절세 #SpousalIRA #ira #makemoney #managemoney #money #계 #돈 #돈모으기 #미국 #미국생활 #생활 #세금 #세금줄이기 #세금공제 #자산 #재정 #절세