2025 Big Changes For 401Ks, IRAs & ROTHs

00:12:03
https://www.youtube.com/watch?v=Vy5kZcNxACs

Zusammenfassung

TLDRVideoen fremhæver vigtigheden af at holde sig opdateret med ændringer i bidragsgrænserne for pensionsopsparingskonti som 401k, IRA og sundhedsopsparingskonti (HSA) i 2025. For 401k er grænsen for personer under 50 år sat til $23.500, mens de over 50 kan drage fordel af catchup-bidrag op til $31.000, og for dem i alderen 60-63 er det muligt at bidrage op til $34.750 grundet højere catchup-begrænsninger. IRA bidragsgrænsen forbliver på $7.000, med en catchup-grænse på $1.000. På HSA-fronten er bidragsgrænserne for 2025 sat til $4.300 for enkeltpersoner og $8.500 for familier, med yderligere $1.000 til rådighed for personer over 55 år. Videoen diskuterer også fordelene og forskellene mellem Roth og traditionelle pensionskonti, samt strategier for at optimere skattebetalingerne baseret på forventede fremtidige skattesatser. Konsistensen i HSA-regler kræver en høj selvrisiko sundhedsplan, og det er stadig muligt at tjene skattefri vækst og udbetalinger, hvis midlerne bruges til kvalificerede medicinske udgifter.

Mitbringsel

  • 📈 401k bidragsgrænse for 2025 er $23.500 for dem under 50.
  • 🧓 Øgede catchup-bidrag for 60-63 år gamle ansatte.
  • 💰 IRA bidragsgrænsen for 2025 forbliver $7.000.
  • 🏥 HSA giver skattefri vækst samt ind- og udbetalinger.
  • 📜 Skatteplanlægning er afgørende for pensionsopsparing.
  • 👐 HSA kræver en høj selvrisiko sundhedsplan.
  • 💡 Roth 401k og traditionelle 401k adskiller sig i skattebehandling.
  • 🔄 Catchup-bidrag kræver ofte Roth bidrag ved høj indkomst.
  • 🕒 Udnyt bidragsmuligheder op til skattefristen.
  • 👀 Vær opmærksom på fremtidige skatteændringer for optimeret opsparing.

Zeitleiste

  • 00:00:00 - 00:05:00

    Vigtigheden af at holde sig opdateret med ændringer i bidragsgrænser for 401(k)s, IRAs og sundhedsopsparingskonti nævnes som grundlæggende for pensionsopsparing. IRS' nye regler for 2025 bringer betydelige ændringer især for dem over 50 år. For de 50 til 59 år er det maksimale bidrag $31,000, mens det for 60 til 63 år er $34,700. Ændringerne inkluderer også, at ekstra bidrag skal gå til en Roth 401(k) for dem, der tjener over $145,000 årligt.

  • 00:05:00 - 00:12:03

    Sundhedsopsparingskonti (HSA) giver tre skattefordele, hvilket gør dem attraktive. For 2025 kan individer bidrage med op til $4,300, mens familier kan bidrage med op til $8,550. Yderligere $1,000 kan bidrages af personer over 55 år. En høj fradragsberettiget sundhedsplan er påkrævet, og man må ikke være tilmeldt plan, der ikke er HSA-berettiget, herunder Medicare. Forskellen mellem almindelige og Roth 401(k)s/IRAs forklaret: Skatteplanlægning afhænger af forventede fremtidige skattesatser.

Mind Map

Video-Fragen und Antworten

  • Hvad er den nye bidragsgrænse for 401k i 2025?

    Bidragsgrænsen for 401k er steget til $23.500 for 2025.

  • Hvad er IRA bidragsgrænsen for 2025?

    IRA bidragsgrænsen forbliver uændret på $7.000 for 2025.

  • Hvem kan drage fordel af catchup-bidragene?

    Catchup-bidragene gælder for ansatte på 50 år og ældre, med ekstra fordele for dem mellem 60-63 år.

  • Hvad er en Roth 401k?

    En Roth 401k kræver, at man betaler skat ved indbetaling, men giver skattefrie udbetalinger ved pension.

  • Hvad er fordelene ved en sundhedsopsparingskonto (HSA)?

    En HSA giver mulighed for skattefri indbetalinger, vækst og udbetalinger til kvalificerede udgifter.

  • Hvad er kravene for at kunne bidrage til en HSA?

    Man skal have en høj selvrisiko sundhedsplan (HDHP) og må ikke være på Medicare eller være økonomisk afhængig af en andens skatteregnskab.

  • Hvor meget kan man bidrage til en HSA i 2025?

    I 2025 kan en enkeltperson bidrage op til $4.300, mens familier kan bidrage op til $8.500.

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Untertitel
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Automatisches Blättern:
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    every year I think it's super important
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    for all of us to keep up with the
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    changes particularly the contribution
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    limit changes for our 401ks our IRAs and
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    our health savings account because these
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    represent a foundation for most of us
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    for our retirement preparation for our
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    retirement savings so let's jump to the
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    IRS website and while the headline may
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    not seem that exciting if if you're a
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    little bit older there's some big
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    changes coming that you need to know
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    about okay so the article is 401K limit
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    increases to
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    23,500 for 2025 and the IRA limit
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    remains
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    $7,000 but stick with me because like I
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    said if you're a little bit older
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    there's some big changes coming okay
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    this catch-up contribution limit
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    generally applies for employees aged 50
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    and older who participate in most 401ks
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    403bs government 450 seven plans and the
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    federal government's Thrift Savings Plan
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    so that catchup
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    contribution remains at $77,500 for
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    2025 and therefore participants in most
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    most of these plans can contribute up to
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    $31,000 each year okay but under the
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    changes made in the secure 2.0 act a
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    higher catchup contribution limit
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    applies to employees age 60 61 62 and 63
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    and this higher catchup provision
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    instead of 7,500 a year goes to
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    11,250 so the maximum an employee can
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    contribute to their
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    401K um if if you're under 50 is that
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    23,500 limit which is the limit for a
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    reg for a 401k the catchup Provisions
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    start at 50 but now there's a change for
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    people that are over 59 so 50 to 59 uh
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    the employee can contribute
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    31,000 and if you're 60 to 63 the
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    employee can contribute
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    34,7 now I want to stress that this is
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    how much the employee can put in and
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    your company contribution is in addition
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    to this amount so that's that's a big
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    change another thing is the catch up
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    contributions so this um additional
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    $7,500 or
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    $1,250 depending on your age it has to
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    be made to a Roth 401k in other words
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    you have to pay tax on that money before
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    it goes in if your wages were greater
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    than
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    $145,000 so that's important so those
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    are big changes now let's look at the
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    IRA same same article from the IRS the
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    limit on annual contributions to an IRA
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    remains
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    $7,000 the IRA catchup contribution for
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    individuals over 50 and over was amended
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    under the secure 2.0 Act of
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    2022 to include an annual cost of living
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    adjustment but it's going to remain
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    $1,000 for
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    2025 so you can find this article at the
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    IRS website irs.gov and this you the the
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    specific role changes the contribution
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    limits if you look up notice 2024 for
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    2024 calendar year- 80 okay what about a
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    health savings account health savings
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    account is as a financial adviser for
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    over 20 years the health savings
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    accounts are kind of the trifecta it's
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    like the the if if I was a congress
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    person if I was a Senator God help us
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    all um but if I was if if I was one of
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    those this would be the type of plan
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    that I would want most Americans to be
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    able to have why because you get to put
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    money in if you qualify you get to put
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    money in in pre-tax dollars it grows
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    taxfree and if you take the money out
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    for qualified
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    expenses you don't pay any tax on the
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    way out either so it's it's you get all
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    three benefits for instance with a the
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    difference between a regular IRA and a
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    Roth IRA with the regular Ira we put
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    money in in pre-tax dollars it grows
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    taxfree but when we take it out we have
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    to pay tax on it so it's got two out of
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    the three benefits with a Roth IRA we
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    don't get the tax break on the way in
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    but it does grow in the account taxfree
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    and then if we um comply with all the
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    rules and regulations when we take the
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    money out we don't pay tax on it so
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    again it's got two out of the three but
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    with the health savings account it has
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    all three
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    we put the money in in pre-tax dollars
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    it grows taxfree and if we use it for
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    qualified expenses and um play by the
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    rules we get to spend that money we get
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    to take the money out without paying tax
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    on it okay but there is no free lunch
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    there's there's quite a bit of rules and
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    regulations about this and and this
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    information is from a Fidelity article
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    that talks about HSA contribution limits
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    and eligibility rules for 2024 we're
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    mostly worried about 2025
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    so in 2025 the health savings account
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    contribution limits are
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    4,300 for somebody uh that has coverage
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    just for themselves and it's
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    $85 for family coverage and for those 55
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    and older there's an additional $1,000
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    catchup contribution as a reminder
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    that's not a big change from 2024 and
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    2024 uh the the Provisions the amount
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    that could be put aside instead of 43,00
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    $4,300 in 2025 it was
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    $4,150 in
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    2024 and instead of the
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    8,550 in 2025 it was
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    $8,300 um Dollar in
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    2024 uh for family coverage and for
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    those 55 and older there's a that same
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    catchup contribution of ,000 now it's
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    important we have to be eligible now
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    there is no income limit the night the
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    good news is unlike IRAs there is no
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    income threshold above which you can no
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    longer contribute uh to it but there
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    is um there there are
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    other uh qualification there are other
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    eligibility rules the main one
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    is you have to have What's called the
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    high deductible health care plan A hdhc
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    High deductible health care plan and it
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    has to have a deductible of at least
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    $1,600 for an individual and
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    $3,200 a year for her family and it's
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    out of pocket maximum including the
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    annual deductible cannot exceed
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    $850
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    $850 for an individual and
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    $16,100 for family coverage and to
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    contribute to an HSA
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    you must not be enrolled in a health
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    plan that's not an HSA eligible plan
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    which would include Medicare so if
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    you're on Medicare if you receive
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    medicare then unfortunately you cannot
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    contribute to a health savings account
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    because Medicare is not a high
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    deductible health care plan and you
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    cannot be claimed as a dependent on
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    somebody else's tax returns now the good
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    news is you have pass the first of the
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    year to make these contributions to a
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    health savings account account so as I'm
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    recording this uh we're getting close to
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    the end of the year but that deadline
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    doesn't matter like it does with many
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    other tax advantage accounts the
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    deadline that matters is is when you
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    when your tax filing deadline is which
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    in most taxers is about April
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    15th so I want to end this video with
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    with talking about the difference
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    between a Roth and a regular either 401k
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    or an Ira I've already talked about the
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    two out of three that U benefits that
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    you get you don't get all three like you
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    do with the whole savings account but
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    often times people think you know what
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    uh a Roth 401k a Roth IRA is always
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    superior to a regular and that's not
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    necessarily the case it depends on what
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    your tax rates are going to be you want
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    to pay tax on that money when your tax
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    rate is the lowest so again with the WTH
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    You have to pay tax when the money's
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    going in because you don't get the you
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    don't get to put money in in Pre tax
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    dollars but if you think your tax rates
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    going to be higher in the
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    future then you'd be better off um
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    paying the tax with a Roth at the
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    today's quote unquote lower tax rate let
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    me give you an example let's say that
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    you have $10,000 that you want to save
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    um with a with a Roth IR you're going to
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    have to pay tax on that let's assume
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    you're in the 20% tax bracket so let's
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    assume that you're going to be of the
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    10,000 you can only put $88,000 in your
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    rck because you had to pay tax on it 10
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    years later let's assume it doubled you
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    got
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    $166,000 so when you take that money out
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    you have
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    $16,000 because you don't have to pay
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    tax on it but what about the reverse
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    what what if you put that money in a
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    regular IRA a regular 401 let's do a
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    401k because it has that higher limit
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    you've got that
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    $10,000 you get that tax that you get to
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    put the money in in pre-tax dollars so
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    you get to put in the full
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    $10,000 10 years later it doubles and
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    it's now worth $20,000 but you have to
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    pay tax on that let's assume your tax
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    rate's the same 20% so what do you end
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    up netting you end up netting the same
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    amount
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    $116,000 so you want to pay taxes when
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    you think the rate is going to be the
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    lowest so if you think the rate is going
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    to be
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    lower um in retirement then you want
  • 00:10:40
    than a regular 401K this isn't financial
  • 00:10:44
    advice I'm not an accountant I'm not a
  • 00:10:47
    IRA specialist I don't know your
  • 00:10:49
    situation but in general it just makes
  • 00:10:51
    sense you want to pay the tax rate when
  • 00:10:54
    the tax rate is the lowest um and so if
  • 00:10:58
    if you have a regular
  • 00:11:01
    401k and you think your tax rate is
  • 00:11:03
    going to be lower in retirement you want
  • 00:11:05
    to pay that tax rate in retirement if
  • 00:11:08
    you think that the tax rate is lower now
  • 00:11:11
    and it's going to be higher later either
  • 00:11:13
    because your personal tax bracket's
  • 00:11:14
    going to be higher where you think the
  • 00:11:16
    government's going to increase the tax
  • 00:11:18
    rate then you'd rather use a Roth 401k
  • 00:11:22
    and pay the the lower tax rate today and
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    down the road not have to pay the higher
  • 00:11:27
    tax rate so I hope that helps helps if
  • 00:11:30
    it does help making good decisions like
  • 00:11:33
    this are important and it's why I made
  • 00:11:35
    this video up here which are eight
  • 00:11:37
    things to think about stop doing in your
  • 00:11:40
    50s and 60s in order to enjoy your
  • 00:11:44
    journey more another example of making
  • 00:11:47
    good decisions and enjoying your time
  • 00:11:49
    enjoying the one Journey that we get and
  • 00:11:52
    being able to enjoy the Youth of our
  • 00:11:54
    senior years eight things to stop doing
  • 00:11:56
    in your 50s and 60s in order to to enjoy
  • 00:11:59
    your journey late more I'll see you in
  • 00:12:02
    that video bye-bye
Tags
  • 401k
  • IRA
  • HSA
  • pensionsopsparing
  • skattefordele
  • catchup-bidrag
  • Roth IRA
  • sundhedsopsparing
  • skatteplanlægning