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This channel provides actionable investment tips for Middle-Class People. The topics covered include stocks, mutual funds, ETFs, retirement accounts (401k, Roth 401k, IRA, Roth IRA, etc.), real estate, treasury securities, and the intricate world of various taxes (capital gains tax, estate tax, gift tax, and California long-term care tax). All tips are based on personal experiences and are sometimes supported by mathematical analysis. Please subscribe to this channel and join our Telegram group at https://tinyurl.com/clef-telegram to interact with other subscribers. Chinese description: 本频道结合十几年来投资理财的经验，针对码工阶层的特点总结了一套投资理财的理念和实用的操作方法。内容覆盖了股票、共同基金、ETF、各种退休金（401k, Roth 401k, IRA, Roth IRA等）、房地产、美国国债、合法规避资本利得税、遗产税、礼品税、加州Long Term Care税等方面。结合加州最新税法，既有操作方法，又有数学公式解释。所有推荐的方法均来自于第一手的实际操作。 请订阅本频道，并加入电报（Telegram）群（ https://tinyurl.com/clef-telegram ） 与其他订阅者互动。电报群里也有加入中文微信群的方法。

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