這片家園，曾經是一處獵場。多年來，荒原歷經開墾、植樹與造林，漸漸長成今日的模樣。獵人早已離去，野生動物卻來去自如；樹影之間有鳥聲，草叢深處有獸跡，人與萬物在同一片土地上，各自生活，也彼此陪伴。

退休後不再領薪水，年收入從25萬美元降到 19 萬美元，所需繳的稅是不是也會一路變輕？很多人的直覺答案是：「當然。」

但退休稅務最容易忽略的第一個問題，正是把「收入變少」直接等同於「稅一定變少」。

Suppose annual income falls from $250,000 to $190,000 after retirement. Most people would assume taxes fall with it.

Yet one of the biggest retirement-tax mistakes, says Mindy Ying, is assuming less income automatically means less tax.