{"id":3703,"date":"2017-02-21T09:32:35","date_gmt":"2017-02-21T17:32:35","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=3703"},"modified":"2017-02-10T21:33:02","modified_gmt":"2017-02-11T05:33:02","slug":"save_tax_ssbenefit","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/save_tax_ssbenefit\/","title":{"rendered":"\u7bc0\u7a0e\u3057\u3059\u304e\u308b\u3068\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u304c\u3002\u3002"},"content":{"rendered":"<p>\u7d66\u4e0e\u6240\u5f97\u8005\uff08\u4fd7\u306b\u3044\u3046\u30b5\u30e9\u30ea\u30fc\u30de\u30f3\u3002\u30a2\u30e1\u30ea\u30ab\u3067\u306fW-2worker\u306a\u3069\u3068\u3082\u547c\u3070\u308c\u307e\u3059\uff09\u306f\u3001W-2\u30d5\u30a9\u30fc\u30e0\u3067\u7d66\u4e0e\u660e\u7d30\u304c\u51fa\u3055\u308c\u3001\u5fc5\u8981\u306a\u6e90\u6cc9\u5fb4\u53ce\u306f\u3059\u3079\u3066\u3053\u3053\u3067\u8a08\u7b97\u3055\u308c\u308b\u305f\u3081\u3001\u6240\u5f97\u8005\u304c\u8b1b\u3058\u308b\u3053\u3068\u306e\u3067\u304d\u308b\u7bc0\u7a0e\u30fb\u7a0e\u91d1\u64cd\u4f5c\u5bfe\u7b56\u306f\u9650\u3089\u308c\u3066\u3044\u307e\u3059\u3002W-4\u30d5\u30a9\u30fc\u30e0\u3067Allowance\u306e\u6570\u3092\u5909\u3048\u308b\u3001401(k)\u3001FSA(Flexible Savings Account)\u3001HSA\uff08Health Savings\u00a0 Account\uff09\u306b\u7a4d\u307f\u7acb\u3066\u308b\u304b\u304f\u3089\u3044\u306e\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u4e00\u65b9\u3067\u81ea\u55b6\u3001\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u30aa\u30fc\u30ca\u30fc\u306a\u3069\u306b\u4ee3\u8868\u3055\u308c\u308bSelf Employed\u306e\u65b9\u306e\u5834\u5408\u3001\u7bc0\u7a0e\u306e\u65b9\u6cd5\u306b\u306f\u304b\u306a\u308a\u591a\u69d8\u306a\u9078\u629e\u80a2\u304c\u4e0e\u3048\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u30c8\u30e9\u30d9\u30eb\u8cbb\u7528\u3084\u30a8\u30f3\u30bf\u30fc\u30c6\u30a4\u30e1\u30f3\u30c8\u8cbb\u7528\u306e\u63a7\u9664\u3001\u30db\u30fc\u30e0\u30aa\u30d5\u30a3\u30b9\u63a7\u9664\u3001\u30d3\u30b8\u30cd\u30b9\u8eca\u4e21\u306e\u63a7\u9664\u306a\u3069\u306e\u3055\u307e\u3056\u307e\u306a\u8cbb\u7528\u63a7\u9664\u304c\u8a31\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u63a7\u9664\u306f\u5229\u76ca\u3092\u6e1b\u3089\u3057\u3001\u7d50\u679c\u7684\u306b\u6240\u5f97\u7a0e\u3084FICA\u7a0e\uff08Federal Insurance Contributions Act (FICA) \u306b\u3088\u308a\u5fb4\u53ce\u3055\u308c\u308b\u7a0e\u91d1\uff1a12.4\uff05\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u7a0e\u30012.90\uff05\u306e\u30e1\u30c7\u30a3\u30b1\u30a2\u7a0e\u3002W-2\u96c7\u7528\u8005\u306e\u5834\u5408\u306f\u3001\u534a\u5206\u3092\u96c7\u7528\u4e3b\u304c\u3001\u534a\u5206\u3092\u96c7\u7528\u8005\u304c\u8ca0\u62c5)\u3092\u6e1b\u3089\u3057\u307e\u3059\u3002S Corp\u5f62\u614b\u3067\u30d3\u30b8\u30cd\u30b9\u3092\u3059\u308b\u5834\u5408\u306b\u306f\u3001\u30d3\u30b8\u30cd\u30b9\u306e\u5229\u76ca\u306f\u3001\u7d66\u4e0e\uff08Earned Income\uff09\u3068\u3057\u3066\u3082\u3089\u3046\u304b\u3001\u914d\u5f53\u91d1\uff08Disctribution\uff09\u3068\u3057\u3066\u3082\u3089\u3046\u304b\u306e\u8a2d\u5b9a\u306b\u3088\u308a\u7bc0\u7a0e\u3092\u56f3\u308b\u3053\u3068\u3082\u8a31\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u7d66\u4e0e\u90e8\u5206\uff08\u6240\u5f97\u7a0e\u3001FICA\u7a0e\u306e\u8ab2\u7a0e\u5bfe\u8c61\uff09\u306e\u5272\u5408\u3092\u4e0b\u3052\u3001\u914d\u5f53\u91d1\uff08\u901a\u5e38\u6240\u5f97\u7a0e\u306e\u307f\u306e\u8ab2\u7a0e\u5bfe\u8c61\uff09\u3068\u3044\u3046\u5f62\u3067\u53d7\u3051\u53d6\u308b\u3053\u3068\u306b\u3088\u308a\u3001FICA\u7a0e\u3092\u56de\u907f\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u7a0e\u91d1\u3092\u4f4e\u304f\u4fdd\u3064\u3053\u3068\u306f\u3001\u4e00\u822c\u7684\u306b\u597d\u307e\u3057\u3044\u3053\u3068\u3068\u3055\u308c\u3066\u3044\u307e\u3059\uff08\u3082\u3061\u308d\u3093\u3001\u5408\u6cd5\u3067\u3042\u308b\u3053\u3068\u3092\u524d\u63d0\u306e\u3046\u3048\uff01\uff09\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u6240\u5f97\u7a0e\u306e\u7bc0\u7a0e\u3068FICA\u7a0e\u306e\u7bc0\u7a0e\u306b\u3064\u3044\u3066\u306f\u3001\u6ce8\u610f\u305b\u306d\u3070\u306a\u3089\u306a\u3044\u5dee\u304c\u3042\u308a\u307e\u3059\u3002\u6240\u5f97\u7a0e\u306f\u652f\u6255\u3063\u305f\u3089\u3001\u76f4\u63a5\u7684\u306b\u306f\u81ea\u5206\u306b\u306f\u623b\u3063\u3066\u3053\u306a\u3044\uff08\u5168\u4f53\u7684\u306a\u793e\u4f1a\u306e\u305f\u3081\u306b\u4f7f\u308f\u308c\u308b\uff09\u306e\u306b\u5bfe\u3057\u3001FICA\u7a0e\u306f\u76f4\u63a5\u7684\u306b\u81ea\u5206\u306b\u5e30\u3063\u3066\u304f\u308b\u8981\u7d20\u304c\u5f37\u3044\u3082\u306e\u3067\u3059\u3002FICA\u306e\u4e2d\u3067\u3082\u3001\u4eca\u56de\u306f\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306e\u90e8\u5206\u306b\u7126\u70b9\u3092\u5f53\u3066\u3066\u8003\u3048\u3066\u307f\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2>\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u984d\u306f\u3053\u3046\u6c7a\u307e\u308b<\/h2>\n<p>&nbsp;<\/p>\n<p>\u5404\u500b\u4eba\u306eFull Retirement Age\uff08\u751f\u5e74\u3088\u308a66\u6b73\u304b\u308967\u6b73\uff09\u306b\u3082\u3089\u3048\u308b\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306f\u3001Primary Insurance Amount(PIA)\u3068\u547c\u3070\u308c\u307e\u3059\u3002PIA\u306f\u500b\u4eba\u306e\u8077\u6b74\u306e\u4e2d\u3067\u6700\u3082\u9ad8\u304435\u5e74\u5206\u306e\u5e74\u53ce\u3092\u8003\u616e\u3057\u3001Average Indexed Monthy Earnings\uff08AIME\uff09\u3092\u8a08\u7b97\u3057\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>AIME=\u6700\u3082\u9ad8\u304435\u5e74\u5206\u306e\u5e74\u53ce\u00f735\u5e74\u00f712\u304b\u6708<\/p>\n<p>&nbsp;<\/p>\n<p>PIA\u306f\u3053\u306eAIME\u3092\u30d9\u30fc\u30b9\u306b\u4e0b\u8a18\u306e\u3088\u3046\u306b\u8a08\u7b97\u3055\u308c\u307e\u3059\uff082017\u5e74\u7528\u306e\u6570\u5b57\uff09<\/p>\n<p>&nbsp;<\/p>\n<p>AIME\u306e\u6700\u521d\u306e$885\u3000\u3000 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\uff58\u300090\uff05<\/p>\n<p>\uff0b\u00a0 AIME\u306e$885\uff5e$5,336\u307e\u3067\u3000\u00a0\u00a0\u00a0\u00a0 \uff58\u300032\uff05<\/p>\n<p>\uff0b\u00a0 AIME\u306e$5,336\u4ee5\u4e0a \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\uff58\u300015\uff05<\/p>\n<p>&nbsp;<\/p>\n<p>\u3088\u3063\u3066\u3001\u9ad8\u3044\u7d66\u4e0e\u3067\u9577\u304f\u50cd\u3044\u305f\u307b\u3046\u304c\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306f\u9ad8\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u53c2\u8003\u00a0 <a href=\"http:\/\/smartandresponsible.com\/blog\/social-security-mistakes\/\" >\u305c\u3063\u305f\u3044\u907f\u3051\u305f\u3044\u3000\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\uff16\u3064\u306e\u30df\u30b9<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>AIME\u3068\u53d7\u7d66\u984d\u3092\u30a4\u30e1\u30fc\u30b8\u306b\u3059\u308b\u3068\u3053\u3093\u306a\u304b\u3093\u3058\u3067\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3705\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2016\/10\/SS-Bend-Pts.png?resize=660%2C461\" alt=\"SS Bend Pts\" width=\"660\" height=\"461\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2016\/10\/SS-Bend-Pts.png?w=660&amp;ssl=1 660w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2016\/10\/SS-Bend-Pts.png?resize=300%2C210&amp;ssl=1 300w\" sizes=\"auto, (max-width: 660px) 100vw, 660px\" \/><\/p>\n<p>\u30b0\u30e9\u30d5\u304c\u6298\u308c\u66f2\u304c\u3063\u3066\u3044\u308b\u3068\u3053\u306f\u30d9\u30f3\u30c9\u30dd\u30a4\u30f3\u30c8\u3068\u3088\u3070\u308c\u3001\u4e0b\u306e\u30ec\u30a4\u30e4\u30fc\u304b\u3089\u6b21\u306e\u30ec\u30a4\u30bf\u30fc\u306b\u4e0a\u304c\u308b\u90e8\u5206\u3067\u3059\u3002\u4e0a\u306e2017\u5e74\u7528\u306e\u6570\u5b57\u3092\u4f7f\u3048\u3070\u3001\u6700\u521d\u306e\u30d9\u30f3\u30c9\u30dd\u30a4\u30f3\u30c8\u306f\u6708\u53ce\uff08AIME\uff09$885\u3001\u5e74\u53ce\u306b\u3057\u3066$10,620\u306e\u30dd\u30a4\u30f3\u30c8\u3002\u3075\u305f\u3064\u3081\u306e\u30d9\u30f3\u30c9\u30dd\u30a4\u30f3\u30c8\u306f\u6708\u53ce$5,336\u3001\u5e74\u53ce\u306b\u3057\u3066$64,032\u306e\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u3002\u30ec\u30a4\u30e4\u30fc\u304c\u4e0a\u304c\u308b\u3054\u3068\u306b\u53ce\u5165\u304c\u5897\u3048\u3066\u308b\u306b\u3064\u308c\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306e\u4f38\u3073\u304c\u920d\u304f\u306a\u308b\u306e\u304c\u308f\u304b\u308a\u307e\u3059\u304c\u3001\u305d\u308c\u3067\u3082\u53ce\u5165\u304c\u4e0a\u304c\u308c\u3070\u4e0a\u304c\u308b\u307b\u3069\u5e74\u91d1\u306f\u5897\u3048\u3066\u3044\u304f\u306e\u3082\u308f\u304b\u308a\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u3061\u306a\u307f\u306b\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u7a0e\u304c\u304b\u304b\u308b\u6700\u9ad8\u5e74\u53ce\u306f$127,200(2017)\u3067\u3001\u3053\u308c\u4ee5\u4e0a\u6240\u5f97\u304c\u3042\u3063\u3066\u3082\u3001\u6240\u5f97\u7a0e\u3084\u30e1\u30c7\u30a3\u30b1\u30a2\u7a0e\u306f\u304b\u304b\u308b\u3082\u306e\u306e\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u7a0e\u306f\u304b\u304b\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2>\u6255\u3046\u7a0e\u304c\u6e1b\u308b\u3068\u3082\u3089\u3046\u5e74\u91d1\u3082\u6e1b\u308b<\/h2>\n<p>&nbsp;<\/p>\n<p>\u30a2\u30b0\u30ec\u30c3\u30b7\u30d6\u306a\u7d4c\u8cbb\u8a08\u4e0a\u306b\u3088\u308a\u6240\u5f97\u3092\u6e1b\u3089\u3057\u305f\u308a\u3001S\u3000Corp\u306e\u914d\u5f53\u91d1\u3078\u306e\u5272\u308a\u632f\u308a\u306b\u3088\u308a\u3001\u7d66\u4e0e\u3092\u6e1b\u3089\u3057\u305f\u308a\u3059\u308b\u884c\u70ba\u306f\u3001\u305d\u306e\u5e74\u3005\u306eFICA\u7a0e\u3092\u6e1b\u3089\u3059\u306e\u306b\u306f\u6709\u52b9\u3067\u3059\u304c\u3001\u305d\u306e\u5206\u5c06\u6765\u3082\u3089\u3048\u308b\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u3082\u6e1b\u308b\u3068\u3044\u3046\u3053\u3068\u3092\u899a\u609f\u3057\u3066\u304a\u304f\u3053\u3068\u304c\u809d\u8981\u3067\u3059\u3002<\/p>\n<p>\u305f\u3068\u3048\u3070\u4eee\u5b9a\u306e\u30b1\u30fc\u30b9\u3067\u6bd4\u8f03\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u305f\u3068\u3048\u3070\u5e74\u53ce$100,000\u3068\u5e74\u53ce$60,000\u306e\u5834\u5408\uff08\u3053\u3053\u3067\u306f\u8a71\u3092\u7c21\u5358\u306b\u3059\u308b\u305f\u3081\u3001\u904e\u53bb35\u5e74\u306e\u5e74\u53ce\u304c\u305a\u3063\u3068\u540c\u3058\u30ec\u30d9\u30eb\u3067\u3042\u3063\u305f\u3068\u4eee\u5b9a\u3057\u3001\u8a08\u7b97\u306b\u5fc5\u8981\u306a\u30d1\u30e9\u30e1\u30fc\u30bf\u306e\u6570\u5b57\u306f2017\u5e74\u306e\u3082\u306e\u3092\u4f7f\u3044\u307e\u3059\uff09\u3092\u8003\u3048\u3066\u307f\u307e\u3057\u3087\u3046\u3002S Corp\u306e\u5f62\u614b\u3092\u3068\u308b\u3053\u3068\u3067\u3001\u914d\u5f53\u91d1\u3078\u306e\u632f\u308a\u5206\u3051\u3092\u5927\u304d\u304f\u3057\u7d66\u4e0e\u6240\u5f97\u3092\u4e0b\u3052\u3001FICA\u7a0e\u306e\u524a\u6e1b\u3092\u8a66\u307f\u305f\u3068\u3057\u307e\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3704\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2016\/10\/Reduced-SS-benefit.jpg?resize=479%2C276\" alt=\"Reduced SS benefit\" width=\"479\" height=\"276\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2016\/10\/Reduced-SS-benefit.jpg?w=479&amp;ssl=1 479w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2016\/10\/Reduced-SS-benefit.jpg?resize=300%2C173&amp;ssl=1 300w\" sizes=\"auto, (max-width: 479px) 100vw, 479px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>FICA\u7a0e\u306e\u5dee\u306f$6,120\u3002FICA\u7a0e\u306e\u534a\u5206\u306fSelf-Employment Tax Deduction\u306b\u3088\u308a\u7a0e\u63a7\u9664\u306b\u306a\u308b\u306e\u3067\u3001\u305d\u306e\u5f71\u97ff\u3092\u5dee\u3057\u5f15\u304f\u3068\u3001\u5e74\u53ce$100,000\u3068\u5e74\u53ce$60,000\u3067\u306eFICA\u7a0e\u306e\u5dee\u306f\u5e74\u9593\u306b\u3057\u3066$5,293\u3067\u3059\u3002\u3053\u308c\u309235\u5e74\u5206\u6255\u3063\u305f\u3068\u3059\u308b\u3068\u3001\u5358\u7d14\u8a08\u7b97\u3067$185,283\u306e\u5dee\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u6b21\u306b\u3082\u3089\u3048\u308b\u30bd\u30fc\u30b7\u30e3\u30eb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fc\u5e74\u91d1\u306e\u5dee\u306f\u3068\u3044\u3046\u3068\u3001\u6708\u3005\u306b\u3057\u3066$557,12\u3002\u3053\u308c\u309230\u5e74\u3082\u3089\u3063\u305f\u3068\u3057\u3066\u5358\u7d14\u8a08\u7b97\u3067$200,563\u306e\u5dee\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u4ed6\u306e\u5f62\u3067\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306b\u5099\u3048\u308b<\/h2>\n<p>&nbsp;<\/p>\n<p>\u3053\u308c\u306f\u4eee\u5b9a\u306e\u30b1\u30fc\u30b9\u3067\u8a08\u7b97\u3082\u5358\u7d14\u8a08\u7b97\u306a\u306e\u3067\u3001\u3053\u308c\u304c\u3069\u3093\u306a\u5834\u5408\u306b\u3082\u5f53\u3066\u306f\u307e\u308b\u3068\u306f\u9650\u308a\u307e\u305b\u3093\u3002\u7bc0\u7a0e\u3092\u8a66\u307f\u305f\u307b\u3046\u304c\u305a\u3063\u3068\u3088\u3044\u30b1\u30fc\u30b9\u3082\u3042\u308c\u3070\u3001\u7740\u5b9f\u306b\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u7a0e\u3092\u6255\u3063\u305f\u307b\u3046\u304c\u3088\u3044\u30b1\u30fc\u30b9\u3082\u3042\u308a\u307e\u3059\u3001\u3088\u3063\u3066\u3001\u3053\u3053\u3067\u306e\u76ee\u7684\u306f\u3001\u3069\u3061\u3089\u306b\u3057\u305f\u307b\u3046\u304c\u640d\u3068\u304b\u5f97\u3068\u3044\u3046\u3053\u3068\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u305f\u3060\u3001\u4e00\u3064\u8a00\u3048\u308b\u3053\u3068\u306f\u3001Self Employed\u306e\u65b9\u3005\u306f\u3001\u3082\u3057\u30a2\u30b0\u30ec\u30c3\u30b7\u30d6\u306a\u7bc0\u7a0e\u5bfe\u7b56\u3067FICA\u7a0e\u306e\u524a\u6e1b\u3092\u3055\u308c\u305f\u5834\u5408\u3001\u5c06\u6765\u7684\u306b\u3082\u3089\u3048\u308b\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u304c\u304b\u306a\u308a\u5c11\u306a\u304f\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u4e0a\u306e\u30b1\u30fc\u30b9\u3067\u306f$60,000\u306e\u4f8b\u306e\u307b\u3046\u308235\u5e74\u9593\u305a\u3063\u3068$60,000\u3067\u3042\u3063\u305f\u3068\u3044\u3046\u904e\u7a0b\u3067\u3059\u306e\u3067\u3001\uff30\uff29\uff21\u3082$2,000\u4ee5\u4e0a\u3067\u3057\u305f\u304c\u3001\u3075\u3064\u3046\u306f\u904e\u53bb\u306e\u6240\u5f97\u306f\u3082\u3063\u3068\u5c11\u306a\u3044\u306e\u304c\u666e\u901a\u3067\u3059\u3057\u3001\u305d\u306e\u3046\u3048\uff13\uff15\u5e74\u30d5\u30eb\u306b\u5e74\u53ce\u304c\u306a\u3044\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u305d\u306e\u5834\u5408\u3001\uff30\uff29\uff21\u306f$1,000\u672a\u6e80\u3068\u3044\u3046\u3053\u3068\u3082\u5927\u3044\u306b\u3042\u308a\u3048\u307e\u3059\u3002<\/p>\n<p>\u3088\u3063\u3066\u3001\u305d\u306e\u5834\u5408\u306b\u306f\u3001401(K)\u3084IRA\u306a\u3069\u3067\u305d\u306e\u7a74\u3092\u57cb\u3081\u308b\u3079\u304f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u7528\u610f\u3092\u30a2\u30b0\u30ec\u30c3\u30b7\u30d6\u306b\u9032\u3081\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u4e00\u822c\u7684\u306b\u3044\u3063\u3066\u3001\u9ad8\u53ce\u5165\u3067\u3042\u308b\u307b\u3069\u3001FICA\u306e\u524a\u6e1b\u304c\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306b\u53ca\u307c\u3059\u5f71\u97ff\u306f\u4f4e\u3044\u3068\u3044\u3048\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u6975\u7aef\u306a\u4f8b\u3067\u3059\u304c\u3001\u3082\u3046\u3059\u3067\u306b35\u5e74\u9593\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u7a0e\u306e\u5bfe\u8c61\u3068\u306a\u308b\u6700\u9ad8\u5e74\u53ce\u3092\u8a18\u9332\u3057\u3066\u3044\u308b\u5834\u5408\u3001\u3042\u3068\u4e00\u5e74\u5206\u50cd\u3044\u3066\u5e74\u53ce\u3092\u8a08\u4e0a\u3057\u3066\u3082\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306f\u3082\u3046\u4e0a\u304c\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3088\u3063\u3066\u3001FICA\u7a0e\u3092\u56de\u907f\u3059\u308b\u7b56\u3092\u8b1b\u3058\u305f\u304b\u3089\u3068\u8a00\u3063\u3066\u3001\u5c06\u6765\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306b\u306f\u5f71\u97ff\u304c\u306a\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u53cd\u5bfe\u306b\u3001\u307e\u305f35\u5e74\u306e\u5e74\u53ce\u6b74\u304c\u306a\u3044\u5834\u5408\u306f\u3082\u3061\u308d\u3093\u306e\u3053\u3068\u3001\u5e74\u53ce\u304c\u305d\u308c\u307b\u3069\u591a\u304f\u306a\u3044\u5834\u5408\u306b\u306f\u3001FICA\u7a0e\u306e\u56de\u907f\u7b56\u304c\u5c06\u6765\u53d7\u7d66\u3067\u304d\u308b\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306e\u984d\u306b\u5927\u304d\u304f\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u3053\u3068\u304c\u3042\u308b\u3053\u3068\u3092\u899a\u3048\u3066\u304a\u304f\u306e\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u305d\u306e\u5834\u5408\u306b\u306f\u3001\u3068\u306b\u3082\u304b\u304f\u306b\u3082\u3001\u6d6e\u3044\u305fFICA\u7a0e\u3092\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306b\u56de\u3057\u3066\u5c11\u306a\u3044\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306e\u7a74\u3092\u57cb\u3081\u308b\u3088\u3046\u306a\u52aa\u529b\u304c\u809d\u8981\u3067\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u7d66\u4e0e\u6240\u5f97\u8005\uff08\u4fd7\u306b\u3044\u3046\u30b5\u30e9\u30ea\u30fc\u30de\u30f3\u3002\u30a2\u30e1\u30ea\u30ab\u3067\u306fW-2worker\u306a\u3069\u3068\u3082\u547c\u3070\u308c\u307e\u3059\uff09\u306f\u3001W-2\u30d5\u30a9\u30fc\u30e0\u3067\u7d66\u4e0e\u660e\u7d30\u304c\u51fa\u3055\u308c\u3001\u5fc5\u8981\u306a\u6e90\u6cc9\u5fb4\u53ce\u306f\u3059\u3079\u3066\u3053\u3053\u3067\u8a08\u7b97\u3055\u308c\u308b\u305f\u3081\u3001\u6240\u5f97\u8005\u304c\u8b1b\u3058\u308b\u3053\u3068\u306e\u3067\u304d\u308b\u7bc0\u7a0e\u30fb\u7a0e\u91d1\u64cd\u4f5c\u5bfe\u7b56\u306f\u9650\u3089\u308c\u3066\u3044\u307e\u3059\u3002W-4\u30d5\u30a9\u30fc\u30e0\u3067Allowance\u306e\u6570\u3092\u5909\u3048\u308b\u3001401(k)\u3001FSA(Flexible 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