太多人亏在这！退休账户取钱顺序错了，税就多交好几倍！ ｜退休稅務規劃 ｜退休账户取钱顺序 ｜合法省税技巧

📝 影片描述 (Description)
🎙️《漫談投資理財》——退休稅務規劃篇
大家好，我是 Mike。今天要聊的是退休族最關心的問題之一：
退休後如何規劃收入來源，既能維持生活品質，又能合法節稅？
我們將透過一個真實案例帶你完整演算：
👩‍❤️‍👨 一對 67 歲已婚夫妻
💰 收入來源：社安金（Social Security）＋401k 提領＋股票長期資本利得（LTCG）
📊 從社安金課稅比例到標準扣除額，一步步算出他們最終要繳多少稅
✅ 並揭示如何在總收入不高的情況下，讓資本利得稅率為 0%！
這是一個能幫助退休族有效規劃現金流與減稅的「黃金組合」。
如果你也在思考該提領多少401k、何時賣出投資收益、
這支影片將讓你更清楚如何掌握稅務“甜蜜點”。
🎙️ Casual Talk on Investment and Finance — U.S. Retirement Tax Strategy
Hi everyone, I’m Mike. In today’s episode, we’ll break down a real-world retirement tax case and show you how to legally minimize your U.S. federal income tax.
👩‍❤️‍👨 Case: A married couple, both 67 years old
💵 Income sources: Social Security + 401(k) withdrawals + Long-Term Capital Gains (LTCG)
📊 We’ll calculate how much tax they owe under different income combinations
✅ And reveal how to qualify for the 0% long-term capital gains tax rate
This is one of the most powerful strategies for retirees — combining Social Security, 401(k), and investments smartly to reduce taxes.
We’ll also discuss how much extra you can withdraw from your 401(k) before triggering the 15% capital gains bracket.
🔑 關鍵詞 (Keywords)
退休稅務規劃, 社安金, 401k提領, 長期資本利得, 美國稅率, 已婚聯合申報, 免稅技巧, 美國退休理財, 被動收入, 聯邦稅, 投資策略, 稅務優化, 美股投資, 財務自由, 退休金規劃
English Keywords:
retirement tax planning, Social Security, 401k withdrawal, long term capital gains, U.S. tax brackets, married filing jointly, tax free income, retirement finance, passive income, federal income tax, investment strategy, tax optimization, U.S. investing, financial independence, retirement planning
🏷️ Tags
退休稅務規劃, 社安金, 401k, 投資理財, 美國稅, 資本利得, 美股, 投資策略, 美國退休, 財務規劃, 被動收入, 退休生活, 節稅, 美金收入, 老年理財
English Tags:
RetirementTaxPlanning, SocialSecurity, 401k, USIncomeTax, CapitalGains, InvestmentStrategy, FinancialFreedom, PassiveIncome, RetirementFinance, USInvesting, TaxFreeIncome, RetirementLife, TaxOptimization
🔖 Hashtags
#退休規劃 #節稅技巧 #401k #社安金 #資本利得 #投資理財 #美國稅務 #財務自由 #被動收入
#RetirementPlanning #TaxStrategy #SocialSecurity #401kWithdrawal #CapitalGains #FinancialFreedom #USIncomeTax #TaxOptimization #RetirementFinance