{"id":102963,"date":"2026-03-04T00:19:43","date_gmt":"2026-03-04T08:19:43","guid":{"rendered":"https:\/\/lavyon.com\/?p=102963"},"modified":"2026-03-04T00:19:43","modified_gmt":"2026-03-04T08:19:43","slug":"chuyen-gia-tai-chinh-emly-phan-nguyen-sai-lam-lon-nhat-cua-nguoi-viet-tai-my-la-thieu-ke-hoach-dai-han-cho-tuoi-gia","status":"publish","type":"post","link":"https:\/\/lavyon.com\/vi\/chuyen-gia-tai-chinh-emly-phan-nguyen-sai-lam-lon-nhat-cua-nguoi-viet-tai-my-la-thieu-ke-hoach-dai-han-cho-tuoi-gia\/","title":{"rendered":"Chuy\u00ean gia t\u00e0i ch\u00ednh Emly Phan Nguy\u1ec5n: Sai l\u1ea7m l\u1edbn nh\u1ea5t c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t t\u1ea1i M\u1ef9 l\u00e0 thi\u1ebfu k\u1ebf ho\u1ea1ch d\u00e0i h\u1ea1n cho tu\u1ed5i gi\u00e0"},"content":{"rendered":"

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Trong nhi\u1ec1u n\u0103m l\u00e0m vi\u1ec7c tr\u1ef1c ti\u1ebfp v\u1edbi c\u1ed9ng \u0111\u1ed3ng ng\u01b0\u1eddi Vi\u1ec7t t\u1ea1i M\u1ef9, Emly Phan Nguy\u1ec5n \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t c\u00e1i t\u00ean g\u1eafn li\u1ec1n v\u1edbi nh\u1eefng c\u00e2u chuy\u1ec7n t\u00e0i ch\u00ednh r\u1ea5t \u0111\u1eddi, r\u1ea5t th\u1eadt, kh\u00f4ng h\u00e0o nho\u00e1ng nh\u01b0ng \u0111\u1ee7 s\u1ee9c khi\u1ebfn ng\u01b0\u1eddi ta ph\u1ea3i d\u1eebng l\u1ea1i v\u00e0 suy ngh\u0129. Con \u0111\u01b0\u1eddng chuy\u00ean m\u00f4n c\u1ee7a c\u00f4 b\u1eaft \u0111\u1ea7u t\u1eeb thu\u1ebf, m\u1edf r\u1ed9ng sang b\u1ea3o hi\u1ec3m, r\u1ed3i \u0111i s\u00e2u v\u00e0o ho\u1ea1ch \u0111\u1ecbnh h\u01b0u tr\u00ed, kh\u00f4ng ph\u1ea3i v\u00ec tham v\u1ecdng ngh\u1ec1 nghi\u1ec7p \u0111\u01a1n thu\u1ea7n, m\u00e0 v\u00ec c\u00f4 nh\u1eadn ra m\u1ed9t kho\u1ea3ng tr\u1ed1ng l\u1edbn \u0111ang t\u1ed3n t\u1ea1i trong t\u01b0 duy t\u00e0i ch\u00ednh c\u1ee7a nhi\u1ec1u gia \u0111\u00ecnh Vi\u1ec7t n\u01a1i x\u1ee9 ng\u01b0\u1eddi.<\/span><\/p>\n

Theo Emly Phan Nguy\u1ec5n, ng\u01b0\u1eddi Vi\u1ec7t t\u1ea1i M\u1ef9 r\u1ea5t ch\u0103m ch\u1ec9. H\u1ecd l\u00e0m vi\u1ec7c nhi\u1ec1u gi\u1edd, ch\u1ea5p nh\u1eadn v\u1ea5t v\u1ea3, lu\u00f4n \u01b0u ti\u00ean \u1ed5n \u0111\u1ecbnh cho con c\u00e1i v\u00e0 gia \u0111\u00ecnh. Nh\u00e0 c\u1eeda \u0111\u01b0\u1ee3c mua s\u1edbm, n\u1ee3 \u0111\u01b0\u1ee3c tr\u1ea3 \u0111\u1ec1u, ti\u1ec1n \u0111\u01b0\u1ee3c ti\u1ebft ki\u1ec7m c\u1ea9n th\u1eadn. Th\u1ebf nh\u01b0ng, gi\u1eefa gu\u1ed3ng quay c\u1ee7a hi\u1ec7n t\u1ea1i, c\u00e2u h\u1ecfi quan tr\u1ecdng nh\u1ea5t l\u1ea1i th\u01b0\u1eddng b\u1ecb b\u1ecf qu\u00ean, \u0111\u00f3 l\u00e0 khi kh\u00f4ng c\u00f2n \u0111\u1ee7 s\u1ee9c lao \u0111\u1ed9ng, thu nh\u1eadp s\u1ebd \u0111\u1ebfn t\u1eeb \u0111\u00e2u.\u00a0<\/span><\/p>\n

V\u1edbi kinh nghi\u1ec7m x\u1eed l\u00fd h\u00e0ng ng\u00e0n h\u1ed3 s\u01a1 thu\u1ebf qua nhi\u1ec1u n\u0103m, Emly Phan Nguy\u1ec5n hi\u1ec3u r\u1ea5t r\u00f5 c\u00e1ch Social Security v\u1eadn h\u00e0nh, c\u0169ng nh\u01b0 nh\u1eefng gi\u1edbi h\u1ea1n m\u00e0 h\u1ec7 th\u1ed1ng n\u00e0y mang l\u1ea1i cho ng\u01b0\u1eddi nh\u1eadp c\u01b0. Nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1ebfn M\u1ef9 \u1edf tu\u1ed5i trung ni\u00ean, th\u1eddi gian \u0111\u00f3ng g\u00f3p ng\u1eafn, thu nh\u1eadp khai b\u00e1o kh\u00f4ng cao, th\u1eadm ch\u00ed c\u00f3 giai \u0111o\u1ea1n nh\u1eadn ti\u1ec1n m\u1eb7t kh\u00f4ng ghi nh\u1eadn \u0111\u1ea7y \u0111\u1ee7. K\u1ebft qu\u1ea3 l\u00e0 kho\u1ea3n tr\u1ee3 c\u1ea5p khi v\u1ec1 h\u01b0u ch\u1ec9 \u0111\u1ee7 cho nh\u1eefng chi ph\u00ed t\u1ed1i thi\u1ec3u, trong khi gi\u00e1 y t\u1ebf, b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe v\u00e0 sinh ho\u1ea1t ph\u00ed l\u1ea1i t\u0103ng theo th\u1eddi gian. Kho\u1ea3ng c\u00e1ch gi\u1eefa k\u1ef3 v\u1ecdng v\u00e0 th\u1ef1c t\u1ebf ch\u00ednh l\u00e0 n\u01a1i n\u1ed7i lo b\u1eaft \u0111\u1ea7u.<\/span><\/p>\n

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\u0110i\u1ec1u khi\u1ebfn Emly Phan Nguy\u1ec5n tr\u0103n tr\u1edf nh\u1ea5t kh\u00f4ng ph\u1ea3i l\u00e0 vi\u1ec7c nhi\u1ec1u ng\u01b0\u1eddi thi\u1ebfu ti\u1ec1n, m\u00e0 l\u00e0 h\u1ecd thi\u1ebfu m\u1ed9t c\u1ea5u tr\u00fac thu nh\u1eadp r\u00f5 r\u00e0ng cho giai \u0111o\u1ea1n sau c\u1ee7a cu\u1ed9c \u0111\u1eddi. Kh\u00f4ng \u00edt gia \u0111\u00ecnh s\u1edf h\u1eefu nh\u00e0, c\u00f3 ti\u1ec1n ti\u1ebft ki\u1ec7m, th\u1eadm ch\u00ed c\u00f3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n cho thu\u00ea, nh\u01b0ng l\u1ea1i kh\u00f4ng c\u00f3 chi\u1ebfn l\u01b0\u1ee3c bi\u1ebfn nh\u1eefng t\u00e0i s\u1ea3n \u0111\u00f3 th\u00e0nh d\u00f2ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh. Khi th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng, khi ng\u01b0\u1eddi thu\u00ea g\u1eb7p v\u1ea5n \u0111\u1ec1, ho\u1eb7c khi s\u1ee9c kh\u1ecfe suy gi\u1ea3m, m\u1ecdi k\u1ebf ho\u1ea1ch \u1ee9ng bi\u1ebfn \u0111\u1ec1u tr\u1edf n\u00ean b\u1ecb \u0111\u1ed9ng. C\u00f4 cho r\u1eb1ng n\u1ed7i b\u1ea5t an l\u1edbn nh\u1ea5t c\u1ee7a tu\u1ed5i h\u01b0u kh\u00f4ng n\u1eb1m \u1edf con s\u1ed1 trong t\u00e0i kho\u1ea3n, m\u00e0 n\u1eb1m \u1edf s\u1ef1 thi\u1ebfu ch\u1eafc ch\u1eafn c\u1ee7a d\u00f2ng ti\u1ec1n h\u00e0ng th\u00e1ng.<\/span><\/p>\n

Ch\u00ednh t\u1eeb th\u1ef1c t\u1ebf \u0111\u00f3, Emly Phan Nguy\u1ec5n d\u00e0nh nhi\u1ec1u th\u1eddi gian chia s\u1ebb v\u1ec1 c\u00e1c gi\u1ea3i ph\u00e1p t\u1ea1o thu nh\u1eadp \u1ed5n \u0111\u1ecbnh l\u00e2u d\u00e0i, trong \u0111\u00f3 c\u00f3 annuity, m\u1ed9t c\u00f4ng c\u1ee5 quen thu\u1ed9c trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh M\u1ef9 nh\u01b0ng l\u1ea1i xa l\u1ea1 v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi Vi\u1ec7t. V\u1edbi c\u00f4, annuity kh\u00f4ng ph\u1ea3i l\u00e0 ph\u00e9p m\u00e0u hay l\u1ef1a ch\u1ecdn b\u1eaft bu\u1ed9c, m\u00e0 l\u00e0 m\u1ed9t m\u1ea3nh gh\u00e9p c\u1ea7n \u0111\u01b0\u1ee3c hi\u1ec3u \u0111\u00fang, \u0111\u1eb7t \u0111\u00fang ch\u1ed7, \u0111\u00fang th\u1eddi \u0111i\u1ec3m. Khi \u0111\u01b0\u1ee3c k\u1ebft h\u1ee3p h\u1ee3p l\u00fd v\u1edbi 401k, IRA, Roth IRA v\u00e0 c\u00e1c ngu\u1ed3n t\u00e0i s\u1ea3n kh\u00e1c, annuity c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3m \u00e1p l\u1ef1c t\u00e2m l\u00fd, b\u1ea3o v\u1ec7 m\u1ed9t ph\u1ea7n t\u00e0i s\u1ea3n tr\u01b0\u1edbc bi\u1ebfn \u0111\u1ed9ng, v\u00e0 mang l\u1ea1i c\u1ea3m gi\u00e1c an t\u00e2m khi b\u01b0\u1edbc v\u00e0o giai \u0111o\u1ea1n kh\u00f4ng c\u00f2n thu nh\u1eadp t\u1eeb lao \u0111\u1ed9ng.<\/span><\/p>\n

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Emly Phan Nguy\u1ec5n kh\u00f4ng t\u00e1ch r\u1eddi thu\u1ebf, b\u1ea3o hi\u1ec3m v\u00e0 h\u01b0u tr\u00ed th\u00e0nh nh\u1eefng m\u1ea3ng ri\u00eang l\u1ebb, m\u00e0 xem ch\u00fang l\u00e0 m\u1ed9t h\u1ec7 th\u1ed1ng li\u00ean k\u1ebft ch\u1eb7t ch\u1ebd. M\u1ed9t quy\u1ebft \u0111\u1ecbnh r\u00fat ti\u1ec1n sai th\u1eddi \u0111i\u1ec3m c\u00f3 th\u1ec3 khi\u1ebfn thu\u1ebf t\u0103ng cao. M\u1ed9t k\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0 thi\u1ebfu c\u00e2n nh\u1eafc c\u00f3 th\u1ec3 l\u00e0m c\u1ea1n ki\u1ec7t t\u00e0i s\u1ea3n s\u1edbm h\u01a1n d\u1ef1 ki\u1ebfn. V\u1edbi tu\u1ed5i th\u1ecd ng\u00e0y c\u00e0ng cao, nguy c\u01a1 s\u1ed1ng l\u00e2u h\u01a1n ti\u1ec1n ti\u1ebft ki\u1ec7m kh\u00f4ng c\u00f2n l\u00e0 gi\u1ea3 \u0111\u1ecbnh xa v\u1eddi, m\u00e0 l\u00e0 m\u1ed9t b\u00e0i to\u00e1n th\u1ef1c t\u1ebf c\u1ea7n \u0111\u01b0\u1ee3c t\u00ednh t\u1eeb s\u1edbm.<\/span><\/p>\n

Chu\u1ea9n b\u1ecb cho h\u01b0u tr\u00ed kh\u00f4ng ph\u1ea3i l\u00e0 lo xa, m\u00e0 l\u00e0 bi\u1ec3u hi\u1ec7n c\u1ee7a s\u1ef1 ch\u1ee7 \u0111\u1ed9ng v\u00e0 tr\u00e1ch nhi\u1ec7m. Khi c\u00f3 k\u1ebf ho\u1ea1ch r\u00f5 r\u00e0ng, tu\u1ed5i gi\u00e0 kh\u00f4ng c\u00f2n g\u1eafn li\u1ec1n v\u1edbi n\u1ed7i lo tr\u1edf th\u00e0nh g\u00e1nh n\u1eb7ng cho con c\u00e1i, nh\u1eefng ng\u01b0\u1eddi \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi \u00e1p l\u1ef1c kinh t\u1ebf l\u1edbn h\u01a1n nhi\u1ec1u so v\u1edbi th\u1ebf h\u1ec7 tr\u01b0\u1edbc. S\u1ef1 b\u00ecnh th\u1ea3n trong nh\u1eefng n\u0103m cu\u1ed1i \u0111\u1eddi, theo Emly Phan Nguy\u1ec5n, ph\u1ea3i b\u1eaft ngu\u1ed3n t\u1eeb nh\u1eefng quy\u1ebft \u0111\u1ecbnh t\u1ec9nh t\u00e1o \u0111\u01b0\u1ee3c \u0111\u01b0a ra khi c\u00f2n \u0111\u1ee7 th\u1eddi gian v\u00e0 l\u1ef1a ch\u1ecdn.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Trong nhi\u1ec1u n\u0103m l\u00e0m vi\u1ec7c tr\u1ef1c ti\u1ebfp v\u1edbi c\u1ed9ng \u0111\u1ed3ng ng\u01b0\u1eddi Vi\u1ec7t t\u1ea1i M\u1ef9, Emly Phan Nguy\u1ec5n \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t c\u00e1i t\u00ean g\u1eafn li\u1ec1n v\u1edbi nh\u1eefng c\u00e2u chuy\u1ec7n t\u00e0i ch\u00ednh r\u1ea5t \u0111\u1eddi, r\u1ea5t th\u1eadt, kh\u00f4ng h\u00e0o nho\u00e1ng nh\u01b0ng \u0111\u1ee7 s\u1ee9c khi\u1ebfn ng\u01b0\u1eddi ta ph\u1ea3i d\u1eebng l\u1ea1i v\u00e0 suy ngh\u0129. Con \u0111\u01b0\u1eddng chuy\u00ean m\u00f4n c\u1ee7a […]<\/p>\n","protected":false},"author":23,"featured_media":102966,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13308,60],"tags":[37739,16648],"class_list":{"0":"post-102963","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-hot-pot","8":"category-tin-tuc","9":"tag-emly-phan-nguyen","10":"tag-lavyon"},"_links":{"self":[{"href":"https:\/\/lavyon.com\/vi\/wp-json\/wp\/v2\/posts\/102963","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lavyon.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lavyon.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lavyon.com\/vi\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/lavyon.com\/vi\/wp-json\/wp\/v2\/comments?post=102963"}],"version-history":[{"count":2,"href":"https:\/\/lavyon.com\/vi\/wp-json\/wp\/v2\/posts\/102963\/revisions"}],"predecessor-version":[{"id":102968,"href":"https:\/\/lavyon.com\/vi\/wp-json\/wp\/v2\/posts\/102963\/revisions\/102968"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lavyon.com\/vi\/wp-json\/wp\/v2\/media\/102966"}],"wp:attachment":[{"href":"https:\/\/lavyon.com\/vi\/wp-json\/wp\/v2\/media?parent=102963"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lavyon.com\/vi\/wp-json\/wp\/v2\/categories?post=102963"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lavyon.com\/vi\/wp-json\/wp\/v2\/tags?post=102963"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}