Money that is tax-deferred is money you don't pay tax on now — you pay it later, usually years later, when you finally take the money out and use it. The tax does not disappear; it just waits.

Money that is tax-deferred tax-deferred 的錢 is money you don't pay tax on now是你現在不用繳稅的錢 — you pay it later, usually years later而是之後才繳，通常是好幾年後 when you finally take the money out and use it等你真正把錢領出來用的時候才繳 The tax does not disappear稅並沒有消失 it just waits只是延後而已

You will meet this word almost only when people talk about saving for old age: retirement accounts, some kinds of insurance, some investment plans. A worker puts part of each month's pay into such an account, pays no tax on that part this year, and pays tax on it when they retire and take it out. People like this for two reasons: the money that would have gone to tax stays in the account and keeps growing, and many people earn less after they retire, so the tax rate then may be lower.

You will meet this word almost only when people talk about saving for old age你幾乎只會在講到養老儲蓄時遇到這個字： retirement accounts, some kinds of insurance, some investment plans退休帳戶、某些保險、某些投資方案 A worker puts part of each month's pay into such an account一個上班族把每個月部分薪水放進這樣的帳戶 pays no tax on that part this year今年這部分不用繳稅 and pays tax on it when they retire and take it out等他退休把錢領出來時才繳稅 People like this for two reasons大家喜歡這樣做有兩個原因： the money that would have gone to tax stays in the account and keeps growing原本要繳稅的那筆錢留在帳戶裡繼續增值 and many people earn less after they retire而且很多人退休後收入變低了 so the tax rate then may be lower所以那時候的稅率可能比較低

Notice the shape of the word: it is nearly always used in front of a noun — a tax-deferred account, tax-deferred savings, tax-deferred growth. It belongs to banking, finance and news writing, not to daily conversation. Ordinary people talk about it, but usually using the whole phrase they read on the bank's form.

Notice the shape of the word注意這個字的用法形狀： it is nearly always used in front of a noun它幾乎都是放在名詞前面用 — a tax-deferred account, tax-deferred savings, tax-deferred growth像 a tax-deferred account、tax-deferred savings、tax-deferred growth 這樣 It belongs to banking, finance and news writing它屬於銀行、金融和新聞寫作的用語 not to daily conversation不是日常對話會用的 Ordinary people talk about it一般人也會聊到它 but usually using the whole phrase they read on the bank's form不過通常是照著在銀行表格上看到的整個詞組直接講

One honest note: how much this helps depends on tax rules that differ from country to country and change over time, so a plan that is a good idea in one place may be an ordinary one in another.

One honest note老實說有一點要提醒： how much this helps depends on tax rules that differ from country to country and change over time這個做法的幫助有多大，要看各國不同、又會隨時間改變的稅法規定 so a plan that is a good idea in one place may be an ordinary one in another所以在一個地方是好方案的東西，換到另一個地方可能就普普通通