A picture is worth a thousand words.

一张图片可以表达千言万语。

试着用一张图来看懂美国免税、延税退休、教育和医疗账户。

1&2象限：After-tax contributions

3&4象限：Pre-tax contributions

1&3象限：Tax free for designed purposes such as retirement, education, or health care.

2&4象限：Gains are tax-deferred. All accounts except Roth 401k are subject to RMD (Required Minimum Distribution).

具体细节可以参考若干网友的博客/帖子，比如“硅谷居士”，“QuantFields”，“hhtt“等等。