By James Lange
AARP electronic variants give you useful information, confirmed suggestions, and specialist information.
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Extra resources for AARP Retire Secure!. Pay Taxes Later—The Key to Making Your Money Last
Mr. Pay Taxes Later and Mr. Pay Taxes Now had identical salaries, investment choices, and spending patterns, but there was one big difference. Mr. Pay Taxes Later invested as much as he could afford in his tax-deferred retirement plans—even though his employer did not match his contributions. Mr. Pay Taxes Now contributed nothing to his retirement account at work but invested his “savings” in an account outside of his retirement plan. Please look at Figure 1. Mr. Pay Taxes Later’s investment is represented by the black curve, and Mr.
Without self-employment income the strategy of transferring your company 401(k) or your IRA to your one person 401(k) doesn’t work because you need self-employment income to set up a one person 401(k) plan. Therefore, one of the things I love to see my “retired” clients do is earn a little self-employment income. Perhaps they do some consulting in their field, or perhaps they get paid independently for services they provide—such as working at the golf course or teaching a part-time course. Some retirees will even charge people for services they used to perform for free.
IRA owners who still have earned income should consider contributing to nondeductible IRAs now so that they can convert those nondeductible IRAs to Roth IRAs. Only the earnings on those nondeductible IRAs from now until 2010 will be subject to income tax when you make the Roth IRA conversion. • You can also try to control the timing of income to maximize the Roth IRA conversion. • Finally, if you are going to have to come up with the money to pay the tax on the conversion, it is better to know that ahead of time and plan your investments and cash accordingly.