加州比较悲催，你可以查其他州

我们州完全exempt from law suits, Some states are limited to the deem,

"And while the laws in many states protect IRA funds, specifics can vary widely from state to state. In California, for example, protection only extends to the amount necessary to reasonably support you, your spouse and family at the time you retire, taking all your assets into account. In Hawaii, the exemption doesn't apply to funds you've deposited within the past three years."

所以每个州可能差别很大。