이번 2008년에 캘리포니아로 직장을 옮기게 되었습니다
(지역 특성상, 연봉도 올라갑니다).
그리고, sign-on bonus + relocation 지원 등으로 인해서 특별히
2008년 wage가 높아질것 같습니다.
여기에 은행이자 수입이 좀 더 더해지구요…

그래서,
401k($15,500), Traditional IRA($5000)를 max로 contribution하고, flexible spending account(health/child-care)를 설정할 계획입니다.

위의 deduction들 말고 taxable income을 줄이는 방법이 있는지요?

참고로, 주택을 소유하지 않고 있어 itemized deduction이
standard보다 크지 않을 것 같습니다.

고수님들의 의견 부탁드립니다!!

401k($15,500), Traditional IRA($5000)를 max로 contribution하고 – If you deposit $ into 401K, you cannot take IRA deduction. It is either 401k or IRA deduction. However, you can open your wife(if you have)’s IRA, you can deduct wife portion of IRA $.

I found this “Traditional IRA Deductibility Phase Out Based On Income – 2008 Married Filing Jointly $85,000 to $105,000”. I guess MAGI less than 85k would be OK for full deduction. The question is how one can go below 85k?

기부하세요…..

If the person is in a low bracket, he does not have to worry about tax liabilities. I assume that s/e makes more money than 25% tax bracket.