{"id":6493,"date":"2023-07-04T10:46:00","date_gmt":"2023-07-04T18:46:00","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=6493"},"modified":"2023-06-26T10:47:02","modified_gmt":"2023-06-26T18:47:02","slug":"ss_1","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/ss_1\/","title":{"rendered":"\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3092\u77e5\u308b"},"content":{"rendered":"\n<p>\u30a2\u30e1\u30ea\u30ab\u306e\u793e\u4f1a\u4fdd\u969c\u5236\u5ea6\u3067\u3042\u308b\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u5f8c\u306e\u5e74\u91d1\u3001\u969c\u5bb3\u3084\u6b7b\u4ea1\u304c\u8d77\u3053\u3063\u305f\u6642\u306e\u3001\u500b\u4eba\u3068\u305d\u306e\u5bb6\u65cf\u306b\u5bfe\u3059\u308b\u91d1\u92ad\u7684\u30b5\u30dd\u30fc\u30c8\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u53ce\u5165\u306e\u3046\u3061\u304b\u3089\u4e00\u5b9a\u984d\u3092\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u7a0e\u3068\u3057\u3066\u7d0d\u3081\u307e\u3059\u3002\u4e00\u65b9\u3067\u30b5\u30dd\u30fc\u30c8\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u3068\u304d\u306f\u3001\u6c7a\u3081\u3089\u308c\u305f\u8cc7\u683c\u3092\u6e80\u305f\u305b\u3070\u91d1\u92ad\u7684\u30b5\u30dd\u30fc\u30c8\u304c\u5f97\u3089\u308c\u308b\u3057\u304f\u307f\u3067\u3059\u3002<\/p>\n\n\n\n<div style=\"height:36px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u7a0e\u306e\u5fb4\u53ce\u306e\u3055\u308c\u304b\u305f\">\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u7a0e\u306e\u5fb4\u53ce\u306e\u3055\u308c\u304b\u305f<\/h2>\n\n\n\n<p>\u96c7\u7528\u8005\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30bf\u30c3\u30af\u30b9\u306f\u3001FICA(Federal Insurance Contributions Act)\u306b\u57fa\u3065\u304d\u3001\u7d66\u6599\u304b\u3089\u5929\u5f15\u304d\u3067\u5fb4\u53ce\u3055\u308c\u3066\u3044\u307e\u3059\u3002FICA\u306b\u57fa\u3065\u304d\u652f\u6255\u308f\u308c\u308b\u30bf\u30c3\u30af\u30b9\u306f\u3001\u30da\u30a4\u30ed\u30fc\u30eb\u30bf\u30c3\u30af\u30b9\u3068\u3082\u547c\u3070\u308c\u3001\u7dcf\u53ce\u5165\u306b\u5bfe\u3059\u308b\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u3068\u3057\u3066\u5fb4\u53ce\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>FICA\u30bf\u30c3\u30af\u30b9\u306f\u3001\uff12\u3064\u306e\u8981\u7d20\u306b\u5206\u3051\u3089\u308c\u307e\u3059\u3002\u3072\u3068\u3064\u306f\u4eca\u56de\u306e\u8a71\u984c\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u7a0e\uff0812.4\uff05\uff09\u3067\u3001\u3082\u3046\u3072\u3068\u3064\u306f\u8001\u5f8c\u306e\u533b\u7642\u3092\u30ab\u30d0\u30fc\u3059\u308b\u30e1\u30c7\u30a3\u30b1\u30a2\u7a0e\uff082.9\uff05\uff09\u3067\u3059\u3002\u96c7\u7528\u4e3b\u3068\u96c7\u7528\u8005\u304c\u534a\u5206\u305a\u3064\u8ca0\u62c5\u3057\u307e\u3059\u306e\u3067\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306b\u3064\u3044\u3066\u306f\u305d\u308c\u305e\u308c\u304c6.2\uff05\u3001\u30e1\u30c7\u30a3\u30b1\u30a2\u306b\u3064\u3044\u3066\u306f\u305d\u308c\u305e\u308c\u304c1.45\uff05\u306e\u8ca0\u62c5\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u81ea\u55b6\u306e\u5834\u5408\u306f\u3001FICA\u306e\u4ee3\u308f\u308a\u306bSECA( Self-Employment Contributions Act)\u306b\u57fa\u3065\u304d\u7d0d\u7a0e\u306e\u7fa9\u52d9\u304c\u3042\u308a\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fb\u30bf\u30c3\u30af\u30b9\u306f12.4\uff05\u3001\u30e1\u30c7\u30a3\u30b1\u30a2\u30fb\u30bf\u30c3\u30af\u30b9\u306f2.9\uff05\u3067\u3059\u3002<\/p>\n\n\n\n<p>2023\u5e74\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u8ab2\u7a0e\u5bfe\u8c61\u53ce\u5165\u306e\u9650\u5ea6\u984d\u306f<a>$160,200<\/a>\u3067\u3001\u3053\u308c\u3092\u8d85\u3048\u305f\u53ce\u5165\u306f\u8ab2\u7a0e\u306e\u5bfe\u8c61\u306b\u306a\u308a\u307e\u305b\u3093\u3002\u30e1\u30c7\u30a3\u30b1\u30a2\u306b\u95a2\u3057\u3066\u306f\u3001\u9650\u5ea6\u984d\u306e\u8a2d\u5b9a\u304c\u306a\u304f\u3001\u3059\u3079\u3066\u306e\u53ce\u5165\u304c\u8ab2\u7a0e\u5bfe\u8c61\u306b\u306a\u308a\u307e\u3059\u3002\u53ce\u5165\u304c\u4e00\u5b9a\u4ee5\u4e0a\uff08\u30b7\u30f3\u30b0\u30eb\u3067$200,000 \u3001\u592b\u5a66\u3067$250,000\uff09\u306b\u306a\u308b\u3068\u3001\u30e1\u30c7\u30a3\u30b1\u30a2\u7a0e\u306b\u8ffd\u52a0\u30670.9%\u306e\u8ca0\u62c5\u304c\u8ab2\u305b\u3089\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:58px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u7a0e\u306e\u304b\u304b\u308b\u53ce\u5165\">\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u7a0e\u306e\u304b\u304b\u308b\u53ce\u5165<\/h2>\n\n\n\n<p>\u57fa\u672c\u7684\u306b\u306fearned income\u3000\u3068\u547c\u3070\u308c\u308b\u52b4\u50cd\u53ce\u5165\u306b\u5bfe\u3057\u3066\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u7a0e\u304c\u304b\u304b\u308a\u307e\u3059\u3002\u7d66\u6599\u3001\u81ea\u55b6\u696d\u306e\u7d14\u5229\u76ca\u3001\u30c1\u30c3\u30d7\u306a\u3069\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u5229\u5b50\u53ce\u5165\u3001\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u3001\u914d\u5f53\u91d1\u53ce\u5165\u3001\u30ec\u30f3\u30bf\u30eb\u53ce\u5165\u3001401(k)\u3084IRA\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u3001\u4f01\u696d\u5e74\u91d1\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306a\u3069\u306f\u3001\u6240\u5f97\u7a0e\u3084\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u7a0e\u306a\u3069\u306e\u5bfe\u8c61\u3068\u306f\u306a\u308a\u307e\u3059\u304c\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u7a0e\u306e\u5bfe\u8c61\u3068\u306f\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<div style=\"height:57px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u4fdd\u969c\u306e\u5185\u5bb9\">\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u4fdd\u969c\u306e\u5185\u5bb9<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\uff11-retirement-benefits-\u8001\u9f62\u5e74\u91d1\">\uff11\uff0eRetirement Benefits\u3000\uff08\u8001\u9f62\u5e74\u91d1\uff09<\/h3>\n\n\n\n<p><a>\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u5bfe\u8c61\u3068\u306a\u308b\u52b4\u50cd\u306b\u3001\u3042\u308b\u4e00\u5b9a\u4ee5\u4e0a\u306e\u5e74\u6570\u643a\u308f\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u3001<\/a>62\u6b73\u304b\u3089\u5e74\u91d1\u3092\u53d7\u3051\u53d6\u308b\u8cc7\u683c\u304c\u4e0e\u3048\u3089\u308c\u307e\u3059\u3002\u3042\u308b\u4e00\u5b9a\u4ee5\u4e0a\u306e\u5e74\u6570\u3068\u306f\u3001\u901a\u5e38\u306f10\u5e74\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u5e74\u91d1\u3092\u53d7\u3051\u53d6\u308b\u6700\u4f4e\u5e74\u9f62\u306f62\u6b73\u3067\u3059\u3002Full Retirement Age\uff08\u751f\u307e\u308c\u305f\u5e74\u306b\u3088\u308a\u6c7a\u307e\u308a\u300165\u6b73\u304b\u308967\u6b73\u306e\u9593\u30021960\u5e74\u4ee5\u964d\u751f\u307e\u308c\u306f67\u6b73\uff09\u307e\u3067\u50cd\u3044\u3066\u304b\u3089\u53d7\u7d66\u3092\u958b\u59cb\u3057\u305f\u5834\u5408\u306e\u984d\u304c\u3001\u57fa\u672c\u984d\u3068\u306a\u308a\u307e\u3059\u3002Full Retirement Age\u4ee5\u524d\u306b\u53d7\u7d66\u3092\u958b\u59cb\u3059\u308b\u3068\u3001\u672c\u6765\u3082\u3089\u3048\u308b\u306f\u305a\u3067\u3042\u308b\u984d\u3088\u308a\u6e1b\u984d\u3055\u308c\u307e\u3059<\/p>\n\n\n\n<p>\u307e\u305f\u3001Full Retirement Age\u3092\u8d85\u3048\u3066\u3055\u3089\u306b\u53d7\u7d66\u958b\u59cb\u3092\u9045\u3089\u3059\u3068\u3001\u9045\u3089\u3057\u305f\u5e74\u6570\u306b\u5fdc\u3058\u3066\u3055\u3089\u306b\u53d7\u7d66\u984d\u304c\u5897\u3084\u3055\u308c\u307e\u3059\uff08\u6700\u9ad870\u6b73\u307e\u3067\uff09\u3002\u3053\u306e\u6e1b\u984d\u3001\u5897\u984d\u306f\u3001\u6c38\u4e45\u7684\uff08\u6b7b\u306c\u307e\u3067\uff09\u306a\u3082\u306e\u3067\u3059\u306e\u3067\u3001\u53d7\u7d66\u958b\u59cb\u6642\u671f\u306f\u614e\u91cd\u306b\u6c7a\u3081\u305f\u3044\u3082\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u672c\u4eba\u306e\u914d\u5076\u8005\u306b\u306f\u3001\u6761\u4ef6\u3092\u6e80\u305f\u305b\u3070\u672c\u4eba\u306e\u8cc7\u683c\u3092\u30d9\u30fc\u30b9\u306b\u3057\u3066\u5f97\u3089\u308c\u308bSpousal Benefits\uff08\u914d\u5076\u8005\u5e74\u91d1\uff09\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:28px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\uff12-disability-benefits-\u969c\u5bb3\u8005\u3068\u306a\u3063\u305f\u5834\u5408\u306e\u4fdd\u969c\">\uff12\uff0eDisability Benefits\uff08\u969c\u5bb3\u8005\u3068\u306a\u3063\u305f\u5834\u5408\u306e\u4fdd\u969c\uff09<\/h3>\n\n\n\n<p>\u5e74\u91d1\u53d7\u7d66\u3092\u958b\u59cb\u3059\u308b\u524d\u306b\u3001\u8089\u4f53\u7684\u30fb\u7cbe\u795e\u7684\u306a\u554f\u984c\u306b\u3088\u308a\u201ddisabled\u201c\u3068\u306a\u3063\u305f\u5834\u5408\u3001\u3053\u306e\u4fdd\u969c\u3092\u5f97\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u4e00\u5b9a\u306e\u671f\u9593\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u5bfe\u8c61\u3068\u306a\u308b\u52b4\u50cd\u306b\u643a\u308f\u3063\u3066\u3044\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u5e74\u9f62\u304c\u4f4e\u3044\u307b\u3069\u6761\u4ef6\u304c\u7de9\u3084\u304b\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u300124\u6b73\u4ee5\u4e0b\u3060\u3068\u6700\u4f4e\u30671\u5e74\u534a\u50cd\u3044\u3066\u3044\u308c\u3070\u53d7\u7d66\u8cc7\u683c\u3092\u5f97\u3089\u308c\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u201cdisabled\u201d\u306e\u5b9a\u7fa9\u306f\u304b\u306a\u308a\u9650\u5b9a\u7684\u3067\u53b3\u3057\u3044\u3082\u306e\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u4eca\u307e\u3067\u306b\u643a\u308f\u3063\u3066\u3044\u305f\u4ed5\u4e8b\u3092\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u305a\u3001\u8089\u4f53\u7684\u30fb\u7cbe\u795e\u7684\u306a\u75be\u60a3\u306e\u305f\u3081\u4ed6\u306e\u4ed5\u4e8b\u306b\u3082\u9069\u5fdc\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u305a\u3001\u305d\u306e\u3088\u3046\u306a\u72b6\u614b\u304c\u4e00\u5e74\u4ee5\u4e0a\u7d9a\u304f\u304b\u3001\u3042\u308b\u3044\u306f\u6b7b\u306b\u81f3\u3089\u3057\u3081\u308b\u3068\u4e88\u671f\u3055\u308c\u308b\u5834\u5408\u3068\u3044\u3046\u306e\u304c\u6761\u4ef6\u3067\u3059\u3002\u3044\u3063\u305f\u3093\u4fdd\u969c\u3092\u53d7\u3051\u308b\u8cc7\u683c\u3092\u5f97\u308b\u3068\u3001\u50cd\u3051\u308b\u3088\u3046\u306b\u306a\u308b\u307e\u3067\u3053\u306e\u4fdd\u969c\u3092\u53d7\u3051\u7d9a\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3082\u3057\u3082\u969c\u5bb3\u3092\u8ca0\u3063\u3066\u50cd\u3051\u306a\u304f\u306a\u3063\u305f\u5834\u5408\u306f\u3001\u3059\u3050\u306b\u3053\u306e\u4fdd\u969c\u306e\u7533\u8acb\u3092\u3057\u307e\u3057\u3087\u3046\u3002\u5be9\u67fb\u306b\u306f\u6570\u30f6\u6708\u4ee5\u4e0a\u304b\u304b\u308a\u3001\u307e\u305f\u7279\u5225\u306a\u8a3a\u65ad\u30c6\u30b9\u30c8\u3092\u53d7\u3051\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3053\u3068\u3082\u3042\u308b\u304b\u3089\u3067\u3059\u3002<\/p>\n\n\n\n<div style=\"height:42px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\uff13-survivors-benefits-\u6b8b\u3055\u308c\u305f\u5bb6\u65cf\u3078\u306e\u4fdd\u969c\">\uff13\uff0eSurvivors 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