小红书上能拿1000的已经在账户看到pending，不知道dell和mu捐的250什么时候到
或者是不是可以等可以退休了没收入的时候再做 roth conversion ladder。
想了下也不好，应该越早越好，免税增长，毕竟用的 after tax money。
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我的401k账户，当时啥也不懂想着少缴税存了pre tax，现在打算换工作变成一个头疼的事情。如果转出来只能进traditional IRA，这样需要被迫一次性全做的roth conversion，不然之后roth backdoor不好弄了。不rollover到IRA，留在401k里，里面各种fee乱收，看着心里不舒服。两难了。所以能变成roth是越早越好，不然以后就会出现被迫退休这种drama 潭里有这种例子
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我也在等……
roll 到下一个雇主，或者 traditional ira 未来反向 roll 到 401k 也是可以的
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反向roll到401K需要雇主支持
实在不行搞个solo 401K也行
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甘蔗没有两头甜啊，前雇主的401k要么roll到现雇主401k要么traditional IRA。预期将来税率比现在高的话，那就转roth ira
取决于什么样的工作？
For a 10-year-old, it is best to charge a flat rate per task rather than an hourly salary. Because 10-year-olds work a bit slower and need adult supervision, they usually earn between $2 to $15 per job, depending on the size of the chore. [1, 2, 3, 4]
The typical going rates for these childhood neighborhood gigs are outlined below.
Average Rates by Job
| Job Type [1, 2, 3, 4] | Typical Pay Range | How It Is Charged |
|---|---|---|
| Pet Helper | $5 – $10 | Per dog walk or per pet-feeding visit. |
| Yard Crew | $5 – $15 | Flat fee to rake leaves or water plants. |
| Household Helper | $1 – $3 | Per smaller indoor task like vacuuming. |
| Big Chore Projects | $10 – $15 | For larger tasks like washing the family car. |
| Neighborhood Assistant | $2 – $5 | Flat weekly rate to pull up a neighbor’s trash bins. |
Pricing Tips for Kids
- The “Age Rule” for Allowance: If you are paying your own child for extra chores around the house, a standard baseline is $1 per week for every year of age ($10 a week for a 10-year-old). [1]
- Keep it affordable for neighbors: When working for people on your street, have your child charge slightly less than a professional service would. Neighbors are usually happy to pay a few dollars to support a kid’s work ethic! [1]
- Agree first: Teach your child to always state their flat price before they start pulling weeds or walking the dog so there are no surprises. [1]
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如果1000不eligible, 其他公司捐的各250会eligible吗
你问ai，每个都有特定的条件
应该快进到玩卡区，谁来摸索一套拿齐所有credit的方法
那是不是现在先不充钱，免得5000 limit用满了收不到donation
现在政府给的1k是不算在5k里面的，估计donation也是另算不包括在5k之内。以后可能还会有employer捐款，打算弄成401k employer match那种。
开户即巅峰
本身也没必要 max out，这个 5000 要搞满需要 after tax contribution，税务上不怎么划算
直接问新雇主HR他们的401k plan是否支持incoming rollover，Fidelity/Vanguard托管的大公司plan通常都支持。确认后把旧401k直接rollover进新401k（pre-tax to pre-tax不触税），traditional IRA保持清空，backdoor Roth继续顺利做。不用绕IRA这一圈，也省掉pro-rata的麻烦。
我擦，你真的是不忘初心
推迟几个月的话，大统领送的一千块早到晚到还是有一点区别的，早点到好，还是信 timing the market vs time in the market
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