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Future Financiers - Tax Advantages
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Login

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Tax Advantages

Saving for your retirement can actually help you LOWER your taxes now.

Money invested in a qualified retirement plan is reduced from your earnings subject to tax for Federal taxes, and perhaps your state as well (different rules apply in each state).  For example, if you earn $1,000 and put $100 in your retirement account, when the IRS calculates your income tax, they will base their tax on $900, not $1000.

Money put into these accounts is tax-deferred.  While you don't have to pay the tax now, you will when you begin withdrawing money when you retire.  The good news is when you are retired, you are not working, and so your earnings are lower, putting you in a lower tax bracket.

Of course, there are additional rules, and they are always subject to change.