新移民New Immigrants
新移民第一年：9 件优先处理的财务事项Your First Year: 9 Financial Priorities
按优先级排序的行动清单。An action checklist, ordered by priority.
按顺序做完这九件事
- 办SSN（社会安全号）
- 开银行账户＋申请第一张信用卡——信用分数从零养起，越早越好
- 搞清报税身份：Resident与Non-resident规则差别巨大
- 入职就把401(k)存到公司match的比例——白给的钱别浪费
- 医疗保险别裸奔：一次急诊可以让家庭财务瘫痪
- 存下3–6个月开销的应急金
- 海外账户合规申报（FBAR/8938）——罚款重灾区，最容易被忽略
- 设置各账户受益人＋基础遗嘱
- 家庭支柱配好基础保障，然后才谈投资
为什么第7条要加粗
很多新移民在国内仍有银行账户和资产。达到申报门槛却没有申报，罚款可能远超账户本身的价值。这一条请和你的CPA逐项确认。
The Nine, In Order
- Get your SSN
- Open a bank account and your first credit card — credit history starts from zero
- Nail down your tax status: resident vs non-resident rules differ enormously
- Contribute to the 401(k) match from day one — never leave free money
- Never go without health insurance: one ER visit can wreck a family’s finances
- Build a 3–6 month emergency fund
- File foreign account reports (FBAR/8938) — the most-missed, most-penalized item
- Set beneficiaries on every account and a basic will
- Protect the breadwinner first — then talk investing
Why #7 Deserves Bold
Many new immigrants still hold accounts and assets abroad. Missing a required report can cost more than the account itself. Confirm every item with your CPA.
本文为一般性教育信息，不构成投资、税务或法律建议，也不针对任何特定保险公司或产品；具体条款以承保保险公司正式保单文件为准，数字与法规请以当年官方公布为准。General education only; not investment, tax, or legal advice, and not specific to any insurer or product. Policy documents and current official figures govern.
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