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    <description>FIRE 目標不能只用年支出乘以 25 就結束。本文用台灣家庭視角，拆解什麼稅要放進 FIRE 目標、什麼稅應該放進提領流程，並比較台灣與美國在股利、資本利得、海外所得與退休帳戶上的常見差異。</description>
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