ត្រជាក់​ហើយ​ជាប់​សាច់​ប្រាក់? នេះគឺជារដ្ឋក្តៅចំនួន 4 ដែលនឹងមិនយកពន្ធលើប្រាក់ចំណូលសោធនរបស់អ្នកទាល់តែសោះ - មិនថាអ្នកមានអាយុប៉ុន្មានឬអ្នកមានប្រាក់ប៉ុន្មាននោះទេ។

As the United States enters the frigid depths of winter, retiring somewhere warm probably sounds good right about now.

But for many folks on the cusp of retirement, it’s not just cold climates that can tarnish your golden years. There’s also taxes.

កុំនឹក

If you’re looking to retire to a place that’s not only warm but also keeps thirsty governments away from your hard-earned, post-career assets, you have options. Some U.S. states even have a golden combination of temperate climates, no income taxes, no pension taxes, and no taxes on distributions from retirement plans — regardless of your age or wealth.

However, it’s important to remember that state taxation is part of a larger income puzzle: You can’t escape federal taxes or, in most places, property or local taxes that support schools, infrastructure and first responders.

That being said, here’s a sampling of where your money will go the farthest while you stay the warmest.

រដ្ឋផ្លរីដា

Let’s get the obvious choice out of the way: The Sunshine State is very hospitable to retirees and their money. The state famously lacks a state income tax, which means you won’t pay any tax on your pension.

Assuming you can stomach the state’s real estate costs and the occasional hurricane, your 401(k) and IRA distributions will go further since Florida doesn’t tax distributions from those plans. And Social Security? No taxes on that, either.

រដ្ឋ Nevada

Retiring to the Silver State is a safe bet, since Nevada is another state that doesn’t have income tax, which like Florida means no taxes on pensions, retirement plan distributions or សន្តិសុខសង្គម.

Nevada is home to many of the nation’s top retirement destination towns, with the suburbs outside of Las Vegas offering the tempting combination of warmer temperatures in winter and access to casinos and other entertainment year-round.

រឿងរ៉ាវនៅតែបន្ត

អាន​បន្ថែម: កម្មវិធីវិនិយោគដ៏ល្អបំផុតនៃឆ្នាំ 2023 សម្រាប់ឱកាស 'ម្តងក្នុងមួយជំនាន់' (ទោះបីជាអ្នកជាអ្នកចាប់ផ្តើមក៏ដោយ)

រដ្ឋតិចសាស់

Though recent winter conditions have proven challenging even for Texas, you can generally expect to stay warm in the Lone Star State. The tax breaks will warm your heart, too.

Texas doesn’t tax state income. Nor does it tax Social Security, pension income or distributions from retirement plans. Those factors, combined with a general lower cost of living and comparatively lower real estate costs, make Texas an attractive landing spot.

But government money lost to those tax breaks has to come from somewhere, which explains why the state has some of the nation’s highest property tax rates.

រដ្ឋ Tennessee

If it’s good enough for Dolly Parton, why not you too?

There’s no income tax in this state, which means residents of Tennessee don’t pay taxes on their pensions, 401(k)s, IRAs or អត្ថប្រយោជន៍សន្តិសុខសង្គម. The state also boasts a low cost of living, included low property taxes.

And if you’re looking for company in your golden years, Tennessee is also home to a number of retirement communities, which it លើកកម្ពស់ through the Tennessee Department of Tourist Development.

Bonus: Hawaii

What about that other idyllic landing spot, Hawaii?

Unfortunately, Hawaii doesn’t quite make the cut: while Social Security income isn’t taxed in the state, private pensions and retirement plan distributions are.

Of course, there’s a good chance that if you’re even considering Hawaii — with its high cost of living and soaring real estate valuations — you’ve probably determined that you can survive those levies.

អ្វីដែលត្រូវអានបន្ទាប់

អត្ថបទនេះផ្តល់ព័ត៌មានតែប៉ុណ្ណោះហើយមិនគួរបកស្រាយជាដំបូន្មានឡើយ។ វាត្រូវបានផ្តល់ជូនដោយគ្មានការធានាគ្រប់ប្រភេទ។