本來想應該發在投資理財版看有沒有大大可以教教我理財~
但會突然想發文是因為昨天睡前和老婆聊天(未來的規劃)後,
感覺心理壓力不小所以上來抒發一下~
所以還是PO在這...嘿嘿~
結了婚之後一直有一種奇妙的感覺,
就是錢的來源沒問題,
收入甚至比過去多很多,
但無論怎麼規劃使用,
好像變成進來多少就會剛好出去多少~
絕對不是抱怨喔,
只是有感而發,
這三年來~
先是辦婚禮把積蓄花個差不多,
不久後小孩出生再花一筆,
這一年內往返台美安頓家裡也花了不少錢(工作關係),
後來把全家接來美國住租了個公寓,
一個月房租是薪水的一半,
生活過的去但沒有閒錢,
一年後搬到另一個城市,
公司同意補助房租,
但老婆在美國找到工作所以白天得送小孩去Day-Care,
學費剛剛好把補助用完(有夠貴!),
這中間原本買的中古車出了點小問題,
想想現在住的地方冬天天寒地凍,
安全最重要,
所以換了一台四輪傳動的休旅車,
這一年存的錢又差不多花掉~
在我好不容易零零星星存了一小筆私房錢的時候(哈哈~ 噓),
遇到報稅季節,
本來我一個人的薪水(單薪)撫養老婆小孩美國政府會退稅給我,
但剛好老婆這一年有工作,
不但沒得退稅,
因為雙薪的家庭收入高了一個等級,
被課更重的稅,
就這麼剛好~
我要補繳的稅正好是我的私房錢!!!
美國的稅好~~~~~~~~~~ 重, 真的好重!!!
所以錢又沒了...
哈哈... 這是不是就是算命仙口中"守不住財"的最佳寫照呀?
不過花了這麼多錢,
得到的是一個歡樂開心的家庭,
也是值得 : )
只是在規劃未來的時候總是覺的不踏實,
因為手邊真的沒有太多現金可以用 T_T
先是辦婚禮把積蓄花個差不多,
不久後小孩出生再花一筆,
這一年內往返台美安頓家裡也花了不少錢(工作關係),
Are you talking about the cost of travel? Or having 2 homes?
後來把全家接來美國住租了個公寓,
一個月房租是薪水的一半,
If you decide to mainly live in one home, then you need to rent out your home in TW. You will need to find someone who you can trust to do this. This will give you maybe $500 USD a month.
生活過的去但沒有閒錢,
一年後搬到另一個城市,
公司同意補助房租,
但老婆在美國找到工作所以白天得送小孩去Day-Care,
學費剛剛好把補助用完(有夠貴!),
You should get your parents and your wife's parents to US and do the babysitting. This will cut down the cost. Each two do 6 months and swap. Make sure they have proper health insurance. This saves you the childcare cost($1500-$2500) per month. Your credit card cash back or miles rewards will cover their airline ticket costs.
這中間原本買的中古車出了個小問題,
想想現在住的地方冬天天寒地凍,
安全最重要,
所以換了一台四輪傳動的休旅車,
這一年存的錢又差不多花掉~
I have a 2010 Honda Civic LX. I never think 4WD or AWD is needed. If your state gov clean the road properly, you dont really need 4WD/AWD. Even if you drive a 4WD/AWD SUV, in some cases, you will still need to use the snow chain. And yes, snow is really bad this week. You can get about 0% - 2% APR for 36-72 months on an auto loan if you have a good credit. There is no point to pay cash in the front; paying cash doesn't always save you money.
在我好不容易零零星星存了一小筆私房錢的時候(哈哈~ 噓),
遇到報稅季節,
本來我一個人的薪水(單薪)撫養老婆小孩美國政府會退稅給我,
但剛好老婆這一年有工作,
不但沒得退稅,
因為雙薪的家庭收入高了一個等級,
被刻更重的稅,
Both of you and ur wife have jobs, you should all start your own 401K/Roth 401K AND your own IRA/Roth IRA. You need to look into the 529 plan to see if it's right for your kid.
2014 401K limit is $17500 USD for each person.
http://www.irs.gov/Retirement-Plans/401k-Plans-Deferrals-and-matching-when-
compensation-exceeds-the-annual-limit
2014 IRA limit is $5500 for each person.
http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics-IRA-Contribution-Limits
Doing both 401K and IRA plans for both of you will save $17500*2+$5500*2=$46000 each year and lower your effective tax rate down one bracket or more which can be 2% - 10% on your federal tax.
就這麼剛好~
我要補繳的稅正好是我的私房錢!!!
美國的稅好~~~~~~~~~~ 重, 真的好重!!!
所以錢又沒了...
When you pay tax, you may want to open a new credit card and pay tax with it. There is a small% of fee when pay tax with credit card. With a new credit card, you will get 0% APR for 15 months at least AND about 5% cash back or miles to redeem free airline tickets to fly to anywhere at anytime.
哈哈... 這是不是就是算命仙口中"守不住財"的最佳寫照呀?
不過花了這麼多錢,
得到的是一個歡樂開心的家庭,
也是值得 : )
Enjoy the view of 好山好水好無聊 is priceless.
只是在規劃未來的時候總是覺的不踏實,
因為手邊真的沒有太多現金可以用 T_T
Cash is just like air when you have enough, it's enough.
Let's sum it up.
Rent a house out in TW: $500*12=$6000
Grandparents family time: $1500*12=$18000
401K+IRA for two: $46000
2% Tax saving on $150000 W2 income: $3000
$529 Plan: ?
You have about $73000 USD and $27000 of this $73000 can be used at any time for anything in anywhere.
Everything is possible. Not everyone is into saving money. Some want a better life quality now than saving money for the future.
If you decide to saty in US when your kid can go to school, you need to buy a house in a good school dist, (10 elem school / 10 mid / 10 high schol, perfered.)
Just my 2 cents.
lala1220 wrote:
本來想應該發在投資理...(恕刪)
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