退休之后还需要distribution401k付税吗？

从放租房子上借点钱，不是就可以抵消RMD 吗？

地主们为什么还担心要付税？

所有跟帖： 

• 住在哪个州，有没有州税，好像都不重要了。因为收入可以抵消了。 -Smilee- ♀ (0 bytes) () 12/14/2022 postreply 08:15:00

• 401K 拿钱和W2没区别， income -tboy- ♂ (0 bytes) () 12/14/2022 postreply 08:15:36

• see my comments -Smilee- ♀ (0 bytes) () 12/14/2022 postreply 08:20:00

• you have minimum distribution. Can't get away with it. -borisg- ♂ (0 bytes) () 12/14/2022 postreply 08:15:50

• you take it out the right amount to reduce your tax liability to -Smilee- ♀ (0 bytes) () 12/14/2022 postreply 08:21:00

• zero if you have rental loss -Smilee- ♀ (0 bytes) () 12/14/2022 postreply 08:22:00

• RMD十万，你怎么减？rental loss每年十万？你空房啊？ -柠檬椰子汁- ♂ (0 bytes) () 12/14/2022 postreply 08:26:06

• Consider how much Trump paid his tax? -Smilee- ♀ (0 bytes) () 12/14/2022 postreply 08:31:48

• Adding depreciation cost? -Smilee- ♀ (0 bytes) () 12/14/2022 postreply 08:32:45

• 我的房子有租金有月付，算上折旧，每年基本稍亏几千。需要有几十个房子才能亏到10万。 -柠檬椰子汁- ♂ (174 bytes) () 12/14/2022 postreply 08:38:34

• In high cost area, buy 3 houses that each costs 1M -Smilee- ♀ (29 bytes) () 12/14/2022 postreply 08:46:10

• 那你要401K干什么？有时候真是朱门酒肉臭啊。 -柠檬椰子汁- ♂ (0 bytes) () 12/14/2022 postreply 08:50:48

• Can use "depreciation money" for your living cost, right? -Smilee- ♀ (0 bytes) () 12/14/2022 postreply 08:54:18

• 那等于没有现金流，地主白做了，还是只靠401k维持退休生活 -猛牛- ♂ (102 bytes) () 12/14/2022 postreply 08:51:57

• 图的是他脑袋聪明！ -柠檬椰子汁- ♂ (140 bytes) () 12/14/2022 postreply 09:10:36

• 大师息怒。就是因为不懂才来请教吗。 -Smilee- ♀ (0 bytes) () 12/14/2022 postreply 09:25:00

• Rich people have a team of tax accountants and tax lawyers -seabreeze66- ♀ (29 bytes) () 12/14/2022 postreply 10:47:00

• 退休之后才能claim yourself as a real state professional, use loss of r -Smilee- ♀ (0 bytes) () 12/14/2022 postreply 08:18:00

• most W2 cannot claim themselves as a real estate professional wh -Smilee- ♀ (0 bytes) () 12/14/2022 postreply 08:19:00

• when working -Smilee- ♀ (0 bytes) () 12/14/2022 postreply 08:21:00

• 我不是地主，但常识告诉我你可能可以以亏损来抵消收入 -猛牛- ♂ (129 bytes) () 12/14/2022 postreply 08:28:31

• 哈哈，这样做出现的red flag让IRS查你税查到你怀疑人生…Lol -DJGO_SF1996- ♀ (0 bytes) () 12/14/2022 postreply 09:49:00

• Why? All legal -Smilee- ♀ (0 bytes) () 12/14/2022 postreply 10:03:51

• 我没说是illegal，你尽管去试试，如果CPA收你钱帮你做税，就应该帮你应付。 -DJGO_SF1996- ♀ (0 bytes) () 12/14/2022 postreply 13:02:00

• 你就看川普给折腾的。另外 IRS要招87,000agents。This type of red flag -seabreeze66- ♀ (30 bytes) () 12/14/2022 postreply 15:24:29

• audit什么呀？折旧是延税又不是不交税。 -Progressive- ♀ (0 bytes) () 12/14/2022 postreply 15:39:51

• LZ说的是对的。楼上的自己学习研究后再说话不迟！ -Progressive- ♀ (0 bytes) () 12/14/2022 postreply 15:14:57

• 楼上的意思是不是说如果从401k里边借钱出来,401k的余额就减少了,那么 RMD就少了 -小小主- ♀ (0 bytes) () 12/14/2022 postreply 21:15:00