{"id":1931,"date":"2012-12-05T10:14:17","date_gmt":"2012-12-05T18:14:17","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1931"},"modified":"2016-12-13T18:56:31","modified_gmt":"2016-12-14T02:56:31","slug":"year-end-planning2","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/year-end-planning2\/","title":{"rendered":"\u5e74\u672b\u306e\u30de\u30cd\u30fc\u4f5c\u6226\uff01\u305d\u306e\uff12\u3000\u2013\u3000\u7a0e\u91d1\u5bfe\u7b56\u3068\u3082\u308d\u3082\u308d\u306e13\u9805\u76ee"},"content":{"rendered":"

\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30d7\u30e9\u30f3\u30a4\u30f3\u30b0\u5e74\u672b\u30d0\u30fc\u30b8\u30e7\u30f3\u3068\u3057\u3066\u30012012\u5e74\u304c\u7d42\u308f\u308b\u524d\u306b\u3067\u304d\u308b\u3053\u3068\u30ea\u30b9\u30c8\u3092\u3054\u7d39\u4ecb\u3057\u3066\u3044\u307e\u3059\u3002\u524d\u56de\u306f12\u9805\u76ee\u306e\u3046\u30611\u304b\u3089\uff17\u307e\u3067\u3054\u7d39\u4ecb\u3057\u307e\u3057\u305f<\/a>\u3002\u4eca\u56de\u306f\uff18\u304b\u3089\uff113\u307e\u3067\u306e\u3054\u7d39\u4ecb\u3002<\/p>\n

 <\/p>\n

\uff18\uff0e1\u6708\u306e\u30e2\u30fc\u30b2\u30fc\u30b8\u309212\u6708\u672b\u306b\u6255\u3046<\/h2>\n

\u5bb6\u306e\u30e2\u30fc\u30b2\u30fc\u30b8\u30fb\u30ed\u30fc\u30f3\u3092\u652f\u6255\u3063\u3066\u3044\u308b\u65b9\u306f\u30011\u6708\u5206\u306e\u652f\u6255\u3044\u3092\u5e74\u5ea6\u5185\u306b\u884c\u3046\u3053\u3068\u3067\u3001\u305d\u306e\u5206\u306e\u30ed\u30fc\u30f3\u306e\u5229\u5b50\u30922012\u5e74\u5ea6\u306e\u30bf\u30c3\u30af\u30b9\u30fb\u30ea\u30bf\u30fc\u30f3\u3067\u63a7\u9664\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\uff19\uff0e\u7d4c\u8cbb\u3092\u7e70\u308a\u4e0a\u3052\u3066\u62e0\u51fa\u3059\u308b<\/h2>\n

\u30b9\u30e2\u30fc\u30eb\u30fb\u30d3\u30b8\u30cd\u30b9\u3092\u304a\u6301\u3061\u306e\u65b9\u306a\u3089\u3001\u4eca\u5f8c\u5fc5\u305a\u5fc5\u8981\u3068\u306a\u308b\u30d3\u30b8\u30cd\u30b9\u306e\u5099\u54c1\u306a\u3069\u3092\u3001\u5e74\u5185\u306b\u8cfc\u5165\u3059\u308b\u3053\u3068\u3067\u30012012\u5e74\u5ea6\u306e\u7d4c\u8cbb\u3068\u3057\u3066\u8a08\u4e0a\u3067\u304d\u307e\u3059\u3002\u30d3\u30b8\u30cd\u30b9\u306e\u5f62\u614b\u3001\u4f1a\u8a08\u306e\u4ed5\u65b9\u306b\u3082\u3088\u308b\u306e\u3067\u3001\u4f1a\u8a08\u58eb\u306b\u3054\u78ba\u8a8d\u304f\u3060\u3055\u3044\u3002<\/p>\n

\u305f\u3060\u3057\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u3084\u7d4c\u8cbb\u306e\u65e9\u3081\u306e\u8a08\u4e0a\u304c\u5fc5\u305a\u3057\u3082\u30d9\u30b9\u30c8\u3067\u306a\u3044\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u6240\u5f97\u5c64\u306b\u3088\u3063\u3066\u306f2013\u5e74\u5ea6\u306e\u7a0e\u7387\u304c\u4e0a\u304c\u308b\u3068\u4e88\u60f3\u3055\u308c\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u305d\u306e\u5834\u5408\u306f\u3001\u6562\u3048\u3066\u6765\u5e74\u5ea6\u306b\u30e2\u30fc\u30b2\u30fc\u30b8\u3084\u7d4c\u8cbb\u3092\u8a08\u4e0a\u3057\u3066\u30012013\u5e74\u5ea6\u306e\u53ce\u5165\u3092\u6e1b\u3089\u3057\u305f\u307b\u3046\u304c\u3001\u7dcf\u5408\u7684\u306b\u6709\u5229\u306a\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u30b1\u30fc\u30b9\u30fb\u30d0\u30a4\u30fb\u30b1\u30fc\u30b9\u3067\u304a\u8003\u3048\u304f\u3060\u3055\u3044\u3002<\/p>\n

 <\/p>\n

\uff11\uff10\uff0e\u30a4\u30f3\u30ab\u30e0\u30fb\u30bf\u30c3\u30af\u30b9\uff08\u6240\u5f97\u7a0e\uff09\u304c\u4f4e\u3044\u3046\u3061\u306b\u30fb\u30fb\u30fb<\/h2>\n

2013\u5e74\u306e\u30a4\u30f3\u30ab\u30e0\u30fb\u30bf\u30c3\u30af\u30b9\u306f\u3044\u3063\u305f\u3044\u3069\u3046\u306a\u308b\u306e\u304b\uff1f\uff13\u3064\u306e\u30b7\u30ca\u30ea\u30aa\u304c\u8003\u3048\u3089\u308c\u308b\u305d\u3046\u3067\u3059\u30021)\u3000\u30d6\u30c3\u30b7\u30e5\u6642\u4ee3\u306e\u6e1b\u7a0e\u653f\u7b56\u3092\u305d\u306e\u307e\u307e\u7d99\u7d9a\u3055\u305b\u308b\uff08\u73fe\u5728\u306e\u7a0e\u5236\u3002Congress\u6848\uff09\u30012)\u3000\u30d6\u30c3\u30b7\u30e5\u6642\u4ee3\u306e\u6e1b\u7a0e\u653f\u7b56\u3092\u9ad8\u6240\u5f97\u8005\uff08\u500b\u4eba\uff1a$200,000\u3001\u592b\u5a66\uff1a$250,000\u4ee5\u4e0a\uff09\u306b\u3064\u3044\u3066\u306e\u307f\u5ec3\u6b62\uff08\u30aa\u30d0\u30de\u6848\uff09\u30013)\u3000\u30d6\u30c3\u30b7\u30e5\u6642\u4ee3\u306e\u6e1b\u7a0e\u653f\u7b56\u3092\u5b8c\u5168\u5ec3\u6b62\uff08\u3053\u306e\u307e\u307e1)\u3042\u308b\u3044\u306f2)\u306e\u6848\u304c\u901a\u3089\u306a\u304b\u3063\u305f\u5834\u5408\u306f\u30c7\u30d5\u30a9\u30eb\u30c8\u3053\u308c\u306b\u306a\u308a\u307e\u3059\uff09\u3002\u305d\u308c\u305e\u308c\u306e\u6240\u5f97\u5c64\u3067\u3001\u6700\u9ad8\u7a0e\u7387\uff08\u30bf\u30c3\u30af\u30b9\u30fb\u30d6\u30e9\u30b1\u30c3\u30c8\uff09\u304c\u3069\u3046\u5909\u5316\u3059\u308b\u304b\u307e\u3068\u3081\u308b\u3068\u3001\u3053\u3093\u306a\u611f\u3058\u306b\u306a\u308b\u3088\u3046\u3067\u3059\u3002<\/p>\n

 <\/p>\n\n\n\n\n\n\n\n\n\n
\n

taxable income<\/p>\n<\/td>\n

\n

1)<\/p>\n<\/td>\n

\n

2)<\/p>\n<\/td>\n

\n

3)<\/p>\n<\/td>\n<\/tr>\n

\n

$60,000<\/p>\n<\/td>\n

\n

15\uff05<\/p>\n<\/td>\n

\n

15\uff05<\/p>\n<\/td>\n

\n

15\uff05<\/p>\n<\/td>\n<\/tr>\n

\n

$80,000<\/p>\n<\/td>\n

\n

25\uff05<\/p>\n<\/td>\n

\n

25\uff05<\/p>\n<\/td>\n

\n

28\uff05<\/p>\n<\/td>\n<\/tr>\n

\n

$100,000<\/p>\n<\/td>\n

\n

25\uff05<\/p>\n<\/td>\n

\n

25\uff05<\/p>\n<\/td>\n

\n

28\uff05<\/p>\n<\/td>\n<\/tr>\n

\n

$150,000<\/p>\n<\/td>\n

\n

28\uff05<\/p>\n<\/td>\n

\n

28\uff05<\/p>\n<\/td>\n

\n

31\uff05<\/p>\n<\/td>\n<\/tr>\n

\n

$200,000<\/p>\n<\/td>\n

\n

28\uff05<\/p>\n<\/td>\n

\n

28\uff05<\/p>\n<\/td>\n

\n

31\uff05<\/p>\n<\/td>\n<\/tr>\n

\n

$250,000<\/p>\n<\/td>\n

\n

33\uff05<\/p>\n<\/td>\n

\n

36\uff05<\/p>\n<\/td>\n

\n

36\uff05<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

\u6240\u5f97\u5c64\u306b\u3088\u3063\u3066\u306f\u3001\u3069\u3046\u8ee2\u3093\u3067\u3082\u7a0e\u7387\u304c\u5909\u308f\u3089\u306a\u3044\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3057\u3001\u4ed6\u306e\u6240\u5f97\u5c64\u3067\u306f\u3069\u3061\u3089\u306b\u4e8b\u304c\u904b\u3076\u304b\u3067\u7a0e\u7387\uff08\u6700\u9ad8\u7a0e\u7387\uff1d\u30d6\u30e9\u30b1\u30c3\u30c8\uff09\u304c3\uff05\u307b\u3069\u7a0e\u7387\u304c\u4e0a\u304c\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u3072\u3068\u3064\u8a00\u3048\u308b\u306e\u306f\u30012013\u5e74\u306f\u81ea\u5206\u306e\u6240\u5f97\u81ea\u4f53\u304c\u4e0b\u304c\u308b\u306e\u3067\u306a\u3044\u9650\u308a\uff08\u3064\u307e\u308a\u6240\u5f97\u304c\u73fe\u72b6\u3068\u307b\u307c\u540c\u3058\u30ec\u30d9\u30eb\u3067\u3042\u308b\u306a\u3089\uff09\u3001\u7a0e\u7387\u306f\u4e0a\u304c\u308b\u3053\u3068\u306f\u3042\u3063\u3066\u3082\u4e0b\u304c\u308b\u3053\u3068\u306f\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u3068\u306a\u308b\u3068\u3001\u53ce\u5165\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3092\u81ea\u5206\u3067\u6c7a\u3081\u3089\u308c\u308b\u3082\u306e\u304c\u3042\u308b\u3068\u3059\u308c\u3070\u30012012\u5e74\u306e\u3046\u3061\u306b\u5f97\u3066\u304a\u3044\u3066\u30012012\u5e74\u5ea6\u306e\u6240\u5f97\u7a0e\u3092\u6255\u3063\u305f\u307b\u3046\u304c\u6709\u5229\u3068\u3044\u3046\u5834\u5408\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002\u307e\u305f\u652f\u51fa\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3082\u540c\u69d8\u3067\u3059\u30022012\u5e74\u304b\u30892013\u5e74\u306b\u304b\u3051\u3066\u3001\u81ea\u5206\u306e\u6240\u5f97\u81ea\u4f53\u304c\u3069\u3046\u5909\u5316\u3059\u308b\u304b\u3068\u7a0e\u5236\u306e\u52d5\u304d\u3092\u307f\u3066\u3001\u3067\u304d\u308b\u3060\u3051\u7a0e\u91d1\u304c\u5c11\u306a\u304f\u306a\u308b\u3088\u3046\u30bf\u30a4\u30df\u30f3\u30b0\u3092\u898b\u8a08\u3089\u3046\u3068\u3088\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n

UPDATE\u306f\u3053\u3061\u3089<\/a><\/p>\n

\uff11\uff11\uff0eRoth IRA\u3078\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u308b<\/h2>\n

Traditional IRA\u304b\u3089Roth IRA\u3078\u306e\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3<\/a>\u304c\u6709\u5229\u306a\u5834\u5408\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u984d\u306f\u305d\u306e\u5e74\u306e\u6240\u5f97\u306b\u6570\u3048\u3089\u308c\u307e\u3059\u306e\u3067\u3001\u306a\u308b\u3079\u304f\u3001\u6240\u5f97\u304c\u5c11\u306a\u3044\u5e74\u3001\u3042\u308b\u3044\u306f\u6240\u5f97\u7a0e\u304c\u4f4e\u3044\u5e74\u306b\u3001\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u308b\u306e\u304c\u6709\u5229\u3067\u3059\u3002\u3086\u304f\u3086\u304f\u3059\u308b\u4e88\u5b9a\u304c\u3042\u308b\u306e\u306a\u3089\u3001\u6562\u3048\u30662012\u5e74\u306b\u3057\u305f\u307b\u3046\u304c\u3088\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n

\u305f\u3060\u3057\u3001\u4e0b\u306b\u66f8\u304d\u307e\u3059FAFSA\u5bfe\u7b56\u306e\u305f\u3081\u306b\u306f\u3001\u30b3\u30f3\u30d0\u30fc\u30c8\u306f\u3059\u308b\u3079\u304d\u3067\u306f\u306a\u3044\u306e\u3067\u3001\u3042\u304f\u307e\u3067\u30b1\u30fc\u30b9\u30fb\u30d0\u30a4\u30fb\u30b1\u30fc\u30b9\u3067\u3059\u3002<\/p>\n

 <\/p>\n

\uff11\uff12\uff0e\u30a8\u30b9\u30c6\u30fc\u30c8\u30fb\u30d7\u30e9\u30cb\u30f3\u30b0<\/h2>\n

\u30a8\u30b9\u30c6\u30fc\u30c8\uff08\u907a\u7523\uff09\u306eExemption\uff08\u975e\u8ab2\u7a0e\u67a0\uff1a\u30a8\u30b9\u30c6\u30fc\u30c8\u30fb\u30bf\u30c3\u30af\u30b9\u304c\u304b\u304b\u3089\u306a\u3044\u907a\u7523\u9650\u5ea6\u984d\uff09\u306f\u30012012\u5e74\u306f$5,120,000\u3067\u3057\u305f\u304c\u3001Congress\u304c\u65b0\u305f\u306b\u30a2\u30af\u30b7\u30e7\u30f3\u3092\u3068\u3089\u306a\u3044\u9650\u308a\u30012013\u5e74\u306f\u3053\u306eExemption\u304c$1,000,000\u306b\u5f15\u304d\u4e0b\u3052\u3089\u308c\u308b\u4e88\u5b9a\u3067\u3059<\/p>\n

\uff11\u30df\u30ea\u30aa\u30f3\u3068\u3044\u3046\u3068\u5927\u304d\u306a\u984d\u306e\u3088\u3046\u306b\u601d\u3048\u307e\u3059\u304c\u3001\u30a8\u30b9\u30c6\u30fc\u30c8\uff08\u907a\u7523\uff09\u306b\u306f\u5bb6\u306e\u30a8\u30af\u30a4\u30c6\u30a3\u3084\u751f\u547d\u4fdd\u967a\u91d1\u306a\u3069\u3082\u542b\u307e\u308c\u307e\u3059\u304b\u3089\u3001\u4eca\u5b9f\u969b\u306b\u9280\u884c\u3084\u6295\u8cc7\u53e3\u5ea7\u306b\u3042\u308b\u304a\u91d1\u3060\u3051\u304c\u5bfe\u8c61\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\uff11\u30df\u30ea\u30aa\u30f3\u3092\u8d85\u3048\u308b\u30a8\u30b9\u30c6\u30fc\u30c8\uff08\u907a\u7523\uff09\u306b\u306f\u6700\u9ad8\u306755\uff05\u3082\u306e\u30a8\u30b9\u30c6\u30fc\u30c8\u30fb\u30bf\u30c3\u30af\u30b9\u304c\u304b\u304b\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u30a8\u30b9\u30c6\u30fc\u30c8\u30fb\u30bf\u30c3\u30af\u30b9\u3092\u56de\u907f\u3059\u308b\u305f\u3081\u3001\u30c8\u30e9\u30b9\u30c8\uff08\u4fe1\u8a17\uff09\u3092\u3064\u304f\u308b\u3053\u3068\u3092\u8003\u3048\u305f\u307b\u3046\u304c\u3044\u3044\u5834\u5408\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n

\u305f\u3060\u3057\u3001\u304a\u305d\u3089\u304fExemption\u306f$3,500,000\u304b\u3089$5,000,000\u306e\u9593\u3067\u843d\u3061\u7740\u304d\u3001\u30a8\u30b9\u30c6\u30fc\u30c8\u30fb\u30bf\u30c3\u30af\u30b9\u306f45\uff05\u3042\u305f\u308a\u3067\u843d\u3061\u7740\u304f\u306e\u3067\u306f\u306a\u3044\u304b\u3068\u898b\u308b\u5c02\u9580\u5bb6\u3082\u591a\u3044\u306e\u3067\u3001\u591a\u304f\u306e\u4eba\u306b\u3068\u3063\u3066\u30d1\u30cb\u30c3\u30af\u306f\u4e0d\u8981\u3067\u3059\u3002\u30a8\u30b9\u30c6\u30fc\u30c8\u30fb\u30bf\u30c3\u30af\u30b9\u306e\u8a08\u7b97\u306f\u3001\u5e02\u6c11\u304b\u975e\u5e02\u6c11\u304b\u306b\u3088\u3063\u3066\u3082\u5909\u308f\u3063\u3066\u304d\u307e\u3059\u3057\u3001\u592b\u5a66\u9593\u304b\u89aa\u304b\u3089\u5b50\u4f9b\u3078\u306e\u76f8\u7d9a\u304b\u3067\u3082\u5909\u308f\u3063\u3066\u304d\u307e\u3059\u3002\u30a8\u30b9\u30c6\u30fc\u30c8\u30fb\u30d7\u30e9\u30cb\u30f3\u30b0\u306e\u5c02\u9580\u5bb6\u306b\u76f8\u8ac7\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n

\u30a8\u30b9\u30c6\u30fc\u30c8\u30fb\u30bf\u30c3\u30af\u30b9\u4ee5\u5916\u306b\u3082\u3001\u307e\u3060Will(\u907a\u66f8)\u3084Healthcare Directive\u3001Power of Attorney\u306a\u3069\u306e\u66f8\u985e\u3092\u4f5c\u6210\u3055\u308c\u3066\u3044\u306a\u3044\u5834\u5408\u306b\u306f\u3001\u307e\u3068\u3081\u3066\u6e96\u5099\u3092\u3059\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u3053\u308c\u3089\u306e\u30a8\u30b9\u30c6\u30fc\u30c8\u30fb\u30d7\u30e9\u30cb\u30f3\u30b0\u306f\u5e74\u672b\u307e\u3067\u306b\u3068\u6025\u3050\u5fc5\u8981\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u8fd1\u3005\u4e00\u5ea6\u304a\u8003\u3048\u306b\u306a\u3063\u305f\u307b\u3046\u304c\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n

UPDATE\u306f\u3053\u3061\u3089<\/a><\/p>\n

\uff11\uff13\uff0eFAFSA\u5bfe\u7b56\u3092\u3059\u308b<\/h2>\n

\u3082\u3057\u3082\u3001\u6765\u5e74\u5ea6\u3001\u5927\u5b66\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u306b\u7533\u3057\u8fbc\u3080\u4e88\u5b9a\u304c\u304a\u3042\u308a\u306a\u3089\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u7533\u8acb\u306e\u305f\u3081\u306eFAFSA\u5bfe\u7b56<\/a>\u3092\u5e74\u5ea6\u5185\u306b\u3057\u3066\u304a\u304f\u3068\u3044\u3067\u3057\u3087\u3046\u3002\u3082\u3089\u3048\u308b\u30a8\u30a4\u30c9\u3092\u6700\u5927\u5316\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u30d9\u30fc\u30b9\u30fb\u30a4\u30e4\u30fc\uff08FAFSA\u7533\u8acb\u306e\u524d\u5e74\u5ea6\u3002<\/del>\u5909\u66f4\u306b\u306a\u308a\u3001\u7533\u8acb\u306e2\u5e74\u524d\u304c\u30d9\u30fc\u30b9\u30fb\u30a4\u30e4\u30fc\u306b\u306a\u308a\u307e\u3057\u305f\uff09\u306e\u53ce\u5165\u304c\u5c0f\u3055\u3044\u307b\u3046\u304c\u6709\u5229\u3067\u3059\u3002<\/p>\n

\u4e0a\u8ff0\u306e\u9805\u76ee\u3067\u306f\u3001\u4e0a\u304c\u308b\u3068\u4e88\u60f3\u3055\u308c\u308b\u6240\u5f97\u7a0e\u7387\u306e\u305f\u3081\u306b\u3001\u3067\u304d\u308b\u3060\u30512012\u5e74\u306b\u6240\u5f97\u3092\u30b7\u30d5\u30c8\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u3068\u66f8\u304d\u307e\u3057\u305f\u304c\u3001FAFSA\u5bfe\u7b56\u306e\u305f\u3081\u306b\u306f\u305d\u308c\u3068\u307e\u308b\u3067\u53cd\u5bfe\u306e\u3053\u3068\u3092\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u30bf\u30a4\u30df\u30f3\u30b0\u304c\u52d5\u304b\u305b\u308b\u53ce\u5165\u306f2013\u5e741\u6708\u4ee5\u964d\u306b\u3082\u3089\u3046\u30012012\u5e74\u306b\u30ad\u30e3\u30d4\u30bf\u30eb\u30fb\u30ed\u30b9\u3092\u8a08\u4e0a\u3059\u308b\u306a\u3069\u3067\u3001\u53ce\u5165\u3092\u306a\u308b\u3079\u304f\u5c0f\u3055\u304f\u3057\u307e\u3059\u3002\uff08\u3053\u3053\u3067\u306e\u5e74\u5ea6\u3082\u4e0a\u8a18\u3067\u66f8\u3044\u305f\u3088\u3046\u306b\u3001\u73fe\u5728\u306f\u7533\u8acb\u306e2\u5e74\u524d\u306e\u53ce\u5165\u60c5\u5831\u3092\u4f7f\u3046\u3053\u3068\u306b\u5909\u66f4\u306b\u306a\u308a\u307e\u3057\u305f\u3002\uff09<\/p>\n

\u53ce\u5165\u3068\u540c\u6642\u306b\u3001\u8cc7\u7523\u3082\u6574\u7406\u3057\u307e\u3059\u3002\u3067\u304d\u308b\u3060\u3051\u73fe\u91d1\u3084\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u4ee5\u5916\u306e\u6295\u8cc7\u30a2\u30ab\u30a6\u30f3\u30c8\u3092\u6e1b\u3089\u3057\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3084\u5bb6\u306e\u30a8\u30af\u30a4\u30c6\u30a3\u30fc\u306a\u3069FAFSA\u3067\u306f\u300c\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u306a\u3044\u8cc7\u7523\u300d\u306b\u300c\u5f62\u3092\u5909\u3048\u308b\u300d\u306e\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u5177\u4f53\u7684\u306b\u306f\u3001401(k)\u3084Roth IRA\u3078\u7a4d\u307f\u7acb\u3066\u3092\u3057\u305f\u308a\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u306a\u3069\u30ed\u30fc\u30f3\u306e\u7e70\u4e0a\u3052\u8fd4\u6e08\u3092\u3057\u305f\u308a\u3001\u8eca\u306a\u3069\u3086\u304f\u3086\u304f\u8cb7\u3046\u4e88\u5b9a\u306e\u3042\u308b\u3082\u306e\u3084\u4e88\u5b9a\u3055\u308c\u3066\u3044\u308b\u51fa\u8cbb\u306f\u7e70\u308a\u4e0a\u3052\u3066\u652f\u6255\u3044\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u4ee5\u4e0a\u300113\u3064\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30d7\u30e9\u30cb\u30f3\u30b0\u5e74\u672b\u30d0\u30fc\u30b8\u30e7\u30f3\u3067\u3057\u305f\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30d7\u30e9\u30f3\u30a4\u30f3\u30b0\u5e74\u672b\u30d0\u30fc\u30b8\u30e7\u30f3\u3068\u3057\u3066\u30012012\u5e74\u304c\u7d42\u308f\u308b\u524d\u306b\u3067\u304d\u308b\u3053\u3068\u30ea\u30b9\u30c8\u3092\u3054\u7d39\u4ecb\u3057\u3066\u3044\u307e\u3059\u3002\u524d\u56de\u306f12\u9805\u76ee\u306e\u3046\u30611\u304b\u3089\uff17\u307e\u3067\u3054\u7d39\u4ecb\u3057\u307e\u3057\u305f\u3002\u4eca\u56de\u306f\uff18\u304b\u3089\uff113\u307e\u3067\u306e\u3054\u7d39\u4ecb\u3002 <\/p>\n","protected":false},"author":1,"featured_media":4026,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[39,62],"tags":[44,60,67],"class_list":["post-1931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-college","category-tax","tag-financial-aid","tag-60","tag-financial-diagnosis"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-stacked-coins.jpeg?fit=525%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-v9","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1931","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/comments?post=1931"}],"version-history":[{"count":4,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1931\/revisions"}],"predecessor-version":[{"id":3735,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1931\/revisions\/3735"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/4026"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=1931"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=1931"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=1931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}