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Asking for help should feel natural. Caring should be part of everyday life.

退休後，公益捐款還能持續。年滿70歲半者，可透過「合格慈善捐贈提領」（QCD），直接從Traditional IRA捐款給合格慈善組織；既可抵充部分或全部法定最低提領額（RMD），並降低列入當年所得的IRA提領金額。

Retirement doesn’t have to interrupt your annual giving. If you’re 70 1⁄2 or older with a Traditional IRA, a $10,000 Qualified Charitable Distribution (QCD) sent directly to an eligible charity can support a worthy cause

走進加拉巴哥的林間，一隻巨龜從樹影下緩緩現身。厚重的龜甲彷彿背負著島嶼的歲月，每一步，都走得像時間本身。

In a Galápagos forest, a giant tortoise slowly emerged from the shade of trees. Its massive shell seemed to carry the islands’ ancient past; each step moved at the pace of time itself.