{"id":4823,"date":"2024-03-27T17:48:02","date_gmt":"2024-03-27T21:48:02","guid":{"rendered":"https:\/\/kingdomresourcesforchrist.com\/?post_type=article&#038;p=4823"},"modified":"2025-08-08T21:40:51","modified_gmt":"2025-08-09T01:40:51","slug":"peacefully-age","status":"publish","type":"article","link":"https:\/\/e-krc.org\/ch\/article\/peacefully-age\/","title":{"rendered":"\u672a\u96e8\u7ef8\u7f2a\uff0c\u5b89\u5fc3\u8fce\u5411\u91d1\u8272\u5e74\u534e"},"content":{"rendered":"<style>.wp-block-kadence-advancedheading.kt-adv-heading4823_8c7949-de, .wp-block-kadence-advancedheading.kt-adv-heading4823_8c7949-de[data-kb-block=\"kb-adv-heading4823_8c7949-de\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading4823_8c7949-de mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading4823_8c7949-de[data-kb-block=\"kb-adv-heading4823_8c7949-de\"] 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alt=\"\"\/><\/figure>\n\n\n\n<p>\u25b2\u53ea\u8981\u771f\u7406\u624e\u6839\u5f97\u7a69\uff0c\u6452\u9664\u5c0d\u91d1\u9322\u7684\u7121\u77e5\u8207\u5bb3\u6015\uff0c\u5c31\u80fd\u6210\u70ba\u795e\u5fe0\u5fc3\u3001\u826f\u5584\u53c8\u6709\u898b\u8b58\u7684\u597d\u7ba1\u5bb6\uff0c\u4e5f\u70ba\u81ea\u5df1\u6253\u9020\u8499\u798f\u7684\u9000\u4f11\u751f\u6daf\u3002\uff08\u5716\u7247\u4f86\u6e90\uff1ahttp:\/\/www.bbc.co.uk\/radio4\/womanshour\/02\/media\/couple_on_bench.JPG\uff09<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e03\u5927\u95dc\u9375\u5e74\u9f61\u6c7a\u5b9a\u9000\u4f11\u7406\u8ca1\u9ad8\u5ea6<\/h3>\n\n\n\n<p><br>\u273d\u8cc7\u6599\u4f86\u6e90\uff1a\u90b1\u8302\u677e\u3001\u5609\u4fe1\u7406\u8ca1\uff08Charles Schwab\uff09<\/p>\n\n\n\n<p><br><strong>55\u6b72<\/strong><br>\u82e5\u5e74\u6eff\u4e94\u5341\u4e94\u6b72\u5f8c\u96e2\u8077\u6642\uff0c\u6253\u7b97\u63d0\u65e9\u63d0\u9818401(\uff2b)\u5e33\u6236\u5167\u91d1\u984d\uff0c\u5c07\u514d\u65bc\u7e73\u4ea410%\u7684\u63d0\u65e9\u63d0\u9818\u7f70\u91d1\uff0c\u4f46\u63d0\u9818\u91d1\u984d\u4ecd\u9700\u7e73\u6240\u5f97\u7a05\u3002<\/p>\n\n\n\n<p><br><strong>59\u6b72\u534a<\/strong><br>\u5c46\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\u6642\uff0c\u4efb\u4f55\u9000\u4f11\u5e33\u6236\u5167\u5982IRA\u3001401(\uff2b)\u6216403(B)\uff0c\u63d0\u9818\u91d1\u984d\u90fd\u514d\u4ed8\u7f70\u91d1\u3002\u4f46\u4ecd\u9808\u70ba\u9019\u4e9b\u9000\u4f11\u5e33\u6236\u7684\u7372\u5229\uff0c\u6216\u4e4b\u524d\u4eab\u6709\u6263\u7a05\u512a\u60e0\u7684\u5b58\u6b3e\u91d1\u984d\u7e73\u4ed8\u6240\u5f97\u7a05\u3002<\/p>\n\n\n\n<p><br><strong>62\u6b72<\/strong><br>\u82e5\u7121\u8eab\u5fc3\u6b98\u969c\uff0c\u516d\u5341\u4e8c\u6b72\u662f\u53ef\u4ee5\u63d0\u9818\u793e\u5b89\u9000\u4f11\u91d1\u7684\u6700\u65e9\u5e74\u9f61\u3002\u4f46\u662f\u53ea\u80fd\u981875%\uff08\u82e5\u662f1943\u5e74\u4ee5\u5f8c\u51fa\u751f\uff0c\u5fc5\u9808\u7b49\u5230\u516d\u5341\u516d\u6216\u516d\u5341\u4e03\u6b72\u624d\u80fd\u9818\u5168\u984d\u3002\u516d\u5341\u4e8c\u6b72\u8d77\u81f3\u4e03\u5341\u6b72\u90fd\u662f\u5408\u6cd5\u9818\u53d6\u793e\u5b89\u9000\u4f11\u91d1\u7684\u5e74\u9f61\u7bc4\u570d\u3002\uff09<\/p>\n\n\n\n<p><br><strong>65\u6b72<\/strong><br>\u7b26\u5408\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u8cc7\u683c\u3002\u5df2\u958b\u59cb\u9818\u53d6\u793e\u5b89\u9000\u4f11\u91d1\u8005\u5c07\u81ea\u52d5\u767b\u8a18\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\uff08Medicare\u7684\u8a08\u756bA\u8207\u8a08\u756bB\uff09\uff1b\u82e5\u672a\u958b\u59cb\u9818\u53d6\u793e\u5b89\u9000\u4f11\u91d1\u8005\uff0c\u5fc5\u9808\u5728\u516d\u5341\u4e94\u6b72\u751f\u65e5\u7684\u524d\u5f8c\u4e09\u500b\u6708\u958b\u59cb\u7533\u8acb\uff0c\u5426\u5247\u6709\u7f70\u91d1\u3002<\/p>\n\n\n\n<p><br><strong>66\u6b72<\/strong><br>\u516d\u5341\u516d\u6b72\u662f\u9818\u53d6\u5168\u984d\u793e\u5b89\u9000\u4f11\u91d1\u7684\u5408\u6cd5\u5e74\u9f61\uff0c1960\u5e74\u6216\u4e4b\u5f8c\u51fa\u751f\u7684\uff0c\u898167\u6b72\u624d\u80fd\u9818\u5168\u984d\uff1b\u82e5\u4ecd\u7e7c\u7e8c\u5de5\u4f5c\u4e26\u672a\u9818\u53d6\uff0c\u793e\u5b89\u9000\u4f11\u91d1\u5c07\u6bcf\u5e74\u589e\u52a08%\uff0c\u76f4\u5230\u4e03\u5341\u6b72\u70ba\u6b62\u3002<\/p>\n\n\n\n<p><br><strong>70\u6b72<\/strong><br>\u9019\u662f\u5ef6\u9818\u793e\u5b89\u9000\u4f11\u91d1\u7684\u6700\u5f8c\u5e74\u9650\uff0c\u4e0d\u518d\u6bcf\u5e74\u589e\u52a08%\u3002\u82e5\u904e\u4e86\u9818\u5168\u984d\u7684\u5e74\u7d00\u5f8c\u624d\u958b\u59cb\u9818\u53d6\uff0c\u4fbf\u53ef\u9010\u5e74\u4ee5\u4e00\u5b9a\u6bd4\u4f8b\u589e\u52a0\u9818\u53d6\u91d1\u984d\uff0c\u76f4\u5230\u4e03\u5341\u6b72\u70ba\u6b62\u3002\u5047\u8a2d\u5168\u984d\u9818\u53d6\u7684\u5e74\u7d00\u662f\u516d\u5341\u516d\u6b72\uff0c\u8d85\u904e\u4ee5\u5f8c\u6bcf\u5e74\u63d0\u9818\u91d1\u984d\u53ef\u589e\u52a08%\uff0c\u5ef6\u81f3\u4e03\u5341\u6b72\u624d\u9818\uff0c\u63d0\u9818\u91d1\u984d\u662f\u516d\u5341\u516d\u6b72\u6642\u7684132%\u3002<\/p>\n\n\n\n<p><br><strong>70\u6b72\u534a<\/strong><br>\u5c46\u6eff\u4e03\u5341\u6b72\u534a\u7684\u7b2c\u4e00\u500b4\u67081\u65e5\u524d\u5fc5\u9808\u5f9e\u5ef6\u7a05\u9000\u4f11\u5e33\u6236\uff0c\u5982IRA\u3001401 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class=\"wp-block-heading\">\u793e\u5b89\u9000\u4f11\u5236\u5ea6\u4e0d\u53ef\u4e0d\u77e5\u7684\u7955\u5bc6<\/h3>\n\n\n\n<p><br><strong>1.\u7267\u5e2b\u5831\u7a05\u5c0f\u53ee\u5680<\/strong><br>\u90b1\u8302\u677e\u8868\u793a\uff0c\u4e00\u822c\u6559\u6703\u6015\u9ebb\u7169\uff0c\u5831\u7a05\u6642\u6703\u767c\u7d66\u7267\u80051099\u8868\u683c\u3002\u5176\u5be6W2\u662f\u570b\u6703\u7d66\u4e88\u7267\u5e2b\u7684\u6b0a\u5229\uff0c\u6559\u6703\u6a5f\u69cb\u61c9\u8a72\u63d0\u4f9b\u7267\u8005W2\u5831\u8868\u3002<\/p>\n\n\n\n<p><br><strong>2.\u7b49\u8d8a\u4e45\u62ff\u8d8a\u591a<\/strong><br>\u9664\u975e\u8eab\u9ad4\u6b20\u4f73\u6216\u6709\u7279\u6b8a\u79c1\u4eba\u72c0\u6cc1\u63d0\u65e9\u9000\u4f11\uff0c\u5426\u5247\u76e1\u91cf\u898f\u5283\u5728\u516d\u5341\u516d\u81f3\u516d\u5341\u4e03\u6b72\u9000\u4e0b\uff0c\u5c46\u6642\u53ef\u9818\u53d6\u8db3\u984d\u793e\u5b89\u9000\u4f11\u91d1\u3002\u4e0d\u8981\u8a8d\u70ba\u516d\u5341\u4e8c\u6b72\u958b\u59cb\u9818\uff0c\u5230\u516d\u5341\u516d\u6b72\u53ef\u9818\u5f97\u66f4\u591a\uff0c\u932f\uff01\u4f46\u5982\u679c\u5ef6\u81f3\u4e03\u5341\u6b72\u518d\u9818\uff0c\u63d0\u9818\u91d1\u984d\u662f\u516d\u5341\u516d\u6b72\u6642\u7684132%\u3002<\/p>\n\n\n\n<p><br><strong>3.\u81f3\u591a\u8a08\u5165\u4e09\u5341\u4e94\u5e74<\/strong><br>\u5de5\u4f5c\u5341\u5e74\u4e26\u7d2f\u7a4d\u56db\u5341\u500b\u9ede\u6578\u5c31\u6709\u8cc7\u683c\u9818\u793e\u5b89\u9000\u4f11\u91d1\u3002\u6536\u51651160\u7f8e\u5143\u7b97\u4e00\u500b\u9ede\u6578\uff0c\u4e00\u5e74\u6700\u591a\u7d2f\u7a4d\u56db\u500b\u9ede\u6578\uff0c\u9000\u4f11\u5f8c\u793e\u5b89\u9000\u4f11\u91d1\u7684\u591a\u5be1\uff0c\u662f\u7531\u904e\u53bb\u4e09\u5341\u4e94\u5e74\u7684\u6bcf\u5e74\u5e73\u5747\u6536\u5165\u6240\u6c7a\u5b9a\u3002\u5de5\u4f5c\u4e0d\u6eff\u4e09\u5341\u4e94\u5e74\uff0c\u5e74\u5747\u6536\u5165\u81ea\u7136\u88ab\u62c9\u4f4e\u3002\u50b3\u9053\u4eba\u85aa\u6c34\u5fae\u8584\uff0c\u5b9c\u76e1\u91cf\u505a\u5230\u7372\u53d6\u6700\u9ad8\u6b0a\u76ca\u3002<\/p>\n\n\n\n<p><br><strong>4.\u914d\u5076\u672a\u4ed8\u793e\u5b89\u9000\u4f11\u91d1\u4e5f\u53ef\u9818\u53d6\uff0c\u96d9\u85aa\u592b\u5a66\u6709\u4e0d\u540c\u505a\u6cd5<\/strong><br>\u90b1\u8302\u677e\u8868\u793a\uff0c\u592b\u59bb\u5171\u540c\u9818\u53d6\u793e\u5b89\u9000\u4f11\u91d1\u7684\u7d44\u5408\u65b9\u5f0f\u591a\u9054\u516b\u5341\u4e00\u7a2e\uff0c\u8ab0\u5148\u62ff\u3001\u8ab0\u5f8c\u62ff\u3001\u62ff\u591a\u5c11\uff0c\u9019\u4e9b\u90fd\u662f\u7267\u8005\u5fc5\u9808\u81ea\u5df1\u8207\u793e\u5b89\u5c40\u6d3d\u8a62\uff0c\u597d\u597d\u505a\u529f\u8ab2\uff0c\u4ee5\u4fbf\u6311\u51fa\u6700\u6709\u5229\u7684\u9818\u53d6\u65b9\u5f0f\u3002\u90b1\u8302\u677e\u6307\u51fa\u96d9\u85aa\u5bb6\u5ead\u8f03\u6709\u4fdd\u969c\uff0c\u4ed6\u53cd\u5c0d\u50b3\u7d71\u83ef\u4eba\u6559\u6703\u4e0d\u8d0a\u6210\u5e2b\u6bcd\u4e5f\u505a\u652f\u85aa\u5de5\u4f5c\u7684\u89c0\u5ff5\u3002\u50b3\u9053\u4eba\u7684\u914d\u5076\u82e5\u80fd\u5171\u540c\u8ca0\u64d4\u5bb6\u5ead\u7d93\u6fdf\uff0c\u66f4\u80fd\u8b93\u4e3b\u50d5\u6c92\u6709\u8ca1\u52d9\u4e0a\u7684\u5f8c\u9867\u4e4b\u6182\uff0c\u5c08\u5fc3\u4e8b\u5949\u3002<\/p>\n\n\n\n<p><br><strong>5.\u793e\u5b89\u9000\u4f11\u7cfb\u7d71\u5feb\u7834\u7522\u4e86\uff1f<\/strong><br>\u8acb\u52ff\u807d\u4fe1\u8b20\u8a00\uff01\u90b1\u8302\u677e\u8868\u793a\uff0c\u5343\u842c\u4e0d\u8981\u56e0\u70ba\u6015\u793e\u5b89\u9000\u4f11\u7cfb\u7d71\u7834\u7522\u800c\u4e0d\u7e73\u793e\u5b89\u9000\u4f11\u91d1\u3002\u7d0d\u7a05\u662f\u57fa\u7763\u5f92\u7684\u7fa9\u52d9\u8207\u8cac\u4efb\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u9000\u4f11\u898f\u5283\u516b\u91cd\u9ede<\/h3>\n\n\n\n<p><br><strong>1.\u52d9\u5fc5\u52a0\u5165\u793e\u5b89\u9000\u4f11\u7cfb\u7d71<\/strong><br>\u7267\u5e2b\u8207\u4e00\u822c\u516c\u52d9\u4eba\u54e1\u4e00\u6a23\uff0c\u6709\u6b0a\u5229\u4e0d\u53c3\u52a0\u793e\u5b89\u9000\u4f11\u7cfb\u7d71\uff0c\u6559\u6703\u4e5f\u6c92\u6709\u7fa9\u52d9\u5e6b\u7267\u5e2b\u4ed8\u793e\u5b89\u9000\u4f11\u91d1\u3002\u4f46\u5982\u679c\u7267\u8005\u81ea\u5df1\u4e0d\u672a\u96e8\u7da2\u7e46\uff0c\u7b49\u5230\u516d\u5341\u4e94\u6b72\u9000\u4f11\u6642\uff0c\u5c31\u5f97\u81ea\u638f\u8170\u5305\u4ed8\u9ad8\u50f9\u8cfc\u8cb7\u806f\u90a6\u91ab\u7642\u4fdd\u96aaMedicare\u3002<\/p>\n\n\n\n<p><br><strong>2.\u76e1\u91cf\u6eff\u8db3\u9000\u4f11\u5e33\u6236IRA\u3001401 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