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cover of episode 4 Secrets for Making Your Kids Rich with "Law Mother" Pamela Maass Garrett

4 Secrets for Making Your Kids Rich with "Law Mother" Pamela Maass Garrett

2025/2/26
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Money Rehab with Nicole Lapin

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我,Pamela Moscarra,也称为Law Mother,是一位律师和理财专家,我将分享四个让你的孩子富有的秘诀,即使你只能从小事做起。这适用于你的孩子、侄子、教子、朋友的孩子,甚至未来的你。 首先,证券账户允许你在孩子还小的时候为他们投资股票和指数基金。我个人投资于低成本指数基金,例如VOO,它追踪标普500指数。这是一个分散投资,费用低,你的钱更多地用于投资而不是支付基金经理。 其次,529计划是储蓄大学教育资金的最佳方式,它具有巨大的税收优惠。资金免税增长,可用于大学、职业学校,在一些州,还可以用于私立K-12学费。一些州还提供缴款税收抵免。即使孩子不去大学,你也可以将其转移给其他家庭成员,甚至你自己。 第三,托管罗斯IRA是一种免税的百万富翁策略,如果你是企业主,它还可以提供商业税务技巧。如果你的孩子有收入(工作、副业或你雇佣他们为你工作),你就可以为他们开设一个托管罗斯IRA。钱免税增长,他们可以随时提取缴款用于大学、住房或紧急情况。 最后,信托是世代传承财富的秘诀。信托是一种法律结构,允许你传承资产,例如房地产、投资和人寿保险,而无需经过遗产认证。这避免了遗产认证的费用和时间,你的孩子可以更快地获得遗产,并减少成本。你的孩子还会在任何通过信托传承的房地产上获得基础调整,这减少或消除了他们在出售继承的资产时产生的资本利得税。

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For the rest of the week, Money Rehab will be hosted by Pamela Maass Garrett, aka Law Mother, attorney and money expert. Today, Pamela reveals the four powerful strategies she uses to build lasting wealth for her kids—and how you can apply them to secure a strong financial future for the children in your life.

Pamela Maass Garrett, aka Law Mother, is an attorney and money expert helping you grow and protect your wealth through her bestselling book Legally Ever After and her upcoming Wealthy Ever After book and app.

Find Pam’s freebies here: https://www.lawmotherco.com/moneyrehab)

Follow Pam here: https://www.instagram.com/lawmotherco/)

The content in this episode is for entertainment purposes only, please consult an advisor before making any financial or investment decisions.

*All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. Treasury accounts offering 6 months T-Bills are offered by Jiko Securities, Inc.,member FINRA & SIPC. Securities in your account are protected up to $500,000. For details: www.sipc.org). Banking services and the Bank Accounts are provided by Jiko Bank, a division of Mid- Central National Bank. For U.S. Investments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value. Treasuries risk disclosures, see https://jiko.io/docs/treasuries_risk_disclosure.pdf). See *public.com/#disclosures-main).