Check with your employer about the availability of such a plan and contribute as much as possible to defer income and accumulate retirement assets.

跟你的顾主确认下你适用的是什么计划，然后从收入中尽可能多的购买可以延迟交税的金额来积攒退休资产。

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Some are simply mechanisms to avoid taxes, while others legitimately protect assets, promote charitable causes or defer income.

WSJ: IRS Unit Targets Wealthy With Tough Audits