income tax bracket

The personal tax on dividends — of course it depends also on your tax bracket and your income; I'm going to talk about the highest tax bracket.

个人股息税税率是…，它取决于你所处地的税率级别和你的收入，我想谈下最高税率。

If you don't have a 401 (k) plan, lean toward a vehicle such as a Roth IRA, where you pay the taxes now, when you are in a lower income bracket, and take the money out tax-free later.

如果你没有一份401 (k)计划，可以用例如roth IRA这样的工具，在这一计划中现在你要税，当你是较低收入阶层的话，取出来的时候算免税。