Category: 学業

IMPROMPTU @Fairbanks, AK

• 2034 “은퇴 I.”
• 2055 “은퇴 II.”

BA BBA、EA QBO CPA M.Ed Credential BA MSW AAS

(3)(6) (6) (6)(6) 後、

(6)、(6)(6)

• Sociology PhD, USU、Sociology BA MA / Applied Demography MPS, PSU

(6)、(6)(6)

• Mathematics PhD, Pitt (UPMC)、JD (3 + 3) / https://uaf.edu/cla
• – Interdisciplinary、Accounting Statistics Economics Sociology
• —
• JINU “毎9年” × 10번 (2028~2118) 재도전 中、
• {60万} × 月$2.99 × 毎9年 = “$100M” 달성

Migration & Demography

.

BBA, EA QBO CPA MAcc MST JD LLM

• AAS
• M.Ed Credential
• Social Work BA MSW
• Economics BA MA
• Sociology BA MA PhD, USU
• Applied Demographics MPS
• Mathematics BA MS PhD, Pitt (UPMC)
• – Statistics Economics Accounting Interdisciplinary
• Statistics MS

.

2055~ (3)(6) (6) (6)(6) 後、

지선 55, 지원 54, 지연 52

• (3) Mathematics, CalStateLA (AB 540-TA)
• (6) Math MS Stat MS, UAF (stipend)
• (6) Economics BA, UND MA, CalStateLA
• (6) MAcc, UND (stipend) MST, CSUN
• (6) REMOTE Tax JOB
• – CPA.1004site.com
• – Korean.BookkeeperJohn.com
• – MyCPAMyTAX.com
• – BBA, EA QBO CPA
• – 윌셔 공인회계사 사무실 part time
• – MAcc, UND / MST, CSUN

Mathematics PhD, Pitt (UPMC)

• Computational Science & Statistics PhD, SDState
• Data Science & Engineering PhD, USD

Accounting PhD, Pitt

• Teachers.BookkeeperJohn.com, CPA PhD

• Statistics PhD, Pitt
• Economics PhD, Pitt

https://uaf.edu/cla

.

BA BBA, EA QBO CPA M.Ed Credential BA MSW

2055~ “financial freedom” 後、

(3)(6) (6) (6)(6)、

(6)、(6)(6) : Mathematics PhD, Pitt (UPMC)

(6)、(6)(6) : Accounting PhD

https://uaf.edu/cla

.

.

BA BBA, EA QBO CPA M.Ed Credential

• BookkeeperJohn.com

目標: 가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

“은퇴 II.” 後、(3)(6) (6) (6)(6)、

(6), (6)(6)

(6), (6)(6)

UA(F) https://uaf.edu/cla (Sr. Tuition Waiver)

.

• LATimes
• National Geographic
• Smithsonian

North Pole Branch Library:

• The Economist
• Time

UA Sr. Tuition Waiver

Anthropology BA MA PhD, UAF

• Linguistics BA, UAF
• Applied Linguistics MA, UAF
• English MA MFA, UAF
• – Communication BA MA, UAF
• – English BA, UAS
• Japanese BA, UAF
• Spanish BA MA, CalStateLA

BA BBA, EA QBO CPA M.Ed Credential

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

>> JinuAcademy.com

while 1004site.com 毎月+2개 사이트 제작

• 몽골 TM, 업소록 SCAN, CloudTalk

2034 06~소셜 시큐리티 70歳 수령、은퇴 I.

家 @Fairbanks, AK 장만

• no 재산세

SPIA “$20万”

• SPIA “$10万” – dining、月$650

—

Wood Center, one bus away

{Teachers}.BookerkeeperJohn.com

• At UAF’s College of Liberal Arts
• Anthropology BA MA PhD, UAF
• – Linguistics BA, UAF
• – Applied Linguistics MA, UAF
• English MA MFA, UAF
• – Communication BA MA, UAF
• – English BA, UAS
• Japanese BA, UAF
• Spanish BA MA, CalStateLA

(9) ~2037 (9)(9) 2055~ 은퇴 II.

(3)(6)(6) CPA (6)(6)、

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

(6), (6)(6) : Mathematics PhD

(6), (6)(6) : Accounting PhD

.

“30年” 平安 “칩거” 生活 後、~2055

2055~ “financial freedom”

(9) 2028~2118 (“90年”)

(3)(6) (6) (6)(6)、

• (9) (9)(9)

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

(6), (6)(6)

• Pitt, SDState USD

(6), (6)(6)

• Pitt, Pitt Pitt

.

生活 :

• McDonald’s {Safeway}
• – Alaska Barbershop
• – MiMi
• – Costco
• – Walmart
• – Alaska Behavioral Health
• North Pole Branch Library

~2030 : 저축

• 2026 27 28 29 30

2031 32 33 2034 06 : 비축 저축액

• w/o SSDI
• w/ voucher

2034 06~

• 소셜 시큐리티 70歳 수령
• Fairbanks, AK 家 장만

(9) ~2037

(9) ~2046

(9) ~2055 : “financial freedom” 달성

(3)(6) (6) (6)(6)、

(6), (6)(6)

(6), (6)(6)

~2055 “financial freedom”

(3)(6) (6) (6)(6)、

(6), (6)(6)

(6), (6)(6)

Accounting faculty, UAF

夏 :

## The Lifetime Economic Value of Tax Planning for U.S. Public-Sector Employees

### Dissertation Overview

This dissertation investigates the long-term economic consequences of tax-planning decisions among U.S. public-sector employees.

Traditional tax research frequently examines taxation within a single year or evaluates individual tax provisions independently. However, many tax-planning decisions produce consequences extending across several decades. Contributions to traditional or Roth retirement accounts, pension distributions, retirement timing, Roth conversions, Social Security claiming, investment realization decisions, and outside business income may alter both current taxes and future taxable income.

This dissertation develops a lifecycle framework for measuring the cumulative economic value of tax planning.

Public-sector employees provide an especially useful population because workers commonly participate simultaneously in defined-benefit pension systems and tax-advantaged defined-contribution arrangements such as 403(b), 457(b), TSP, IRA, and related retirement accounts.

The research will compare alternative tax-planning strategies over complete careers and retirement periods while accounting for uncertainty in income, investment performance, longevity, tax rates, and retirement timing.

### Primary Research Question

To what extent can systematic lifecycle tax planning increase after-tax lifetime wealth and retirement security among U.S. public-sector employees?

### Secondary Research Questions

1. What is the lifetime economic value of coordinating pension benefits with traditional and Roth retirement accounts?

2. Under what conditions does traditional retirement saving dominate Roth saving, and under what conditions does Roth saving dominate traditional saving?

3. How does retirement-income timing affect lifetime federal and state taxation?

4. What is the value of Roth conversions during temporarily low-income years?

5. How does side-business or self-employment income affect optimal retirement-account and tax-planning strategies?

6. How do state income-tax differences alter optimal contribution and retirement-location strategies?

7. How large is the difference between annual tax minimization and lifetime tax optimization?

8. How robust are optimal tax-planning strategies to future changes in tax rates, investment returns, inflation, and longevity?

9. Which taxpayer characteristics create the greatest potential economic benefit from professional tax planning?

### Research Design

The dissertation will construct representative public-sector employee profiles across occupations, salary levels, ages, states, pension systems, household situations, and career stages.

For each worker profile, multiple tax strategies will be modeled, including:

baseline or minimal planning
traditional retirement contributions
Roth contributions
mixed Roth and traditional strategies
403(b) and 457(b) coordination
TSP strategies for federal employees
IRA contributions
Roth conversions
retirement-income sequencing
pension and Social Security coordination
side-business retirement planning

Federal and state tax liabilities will be calculated for each simulated year.

Commercial tax-preparation software may be used as an external validation mechanism for selected benchmark cases, while the research model itself will independently implement the relevant tax rules so that large-scale reproducible simulations can be conducted.

### Outcome Measures

The primary outcomes will include:

lifetime federal taxes
lifetime state taxes
present value of lifetime taxes
after-tax terminal wealth
after-tax retirement income
consumption during retirement
effective lifetime tax rate
marginal value of tax planning
probability of retirement-income shortfall
probability of asset depletion
inheritance or terminal estate value

Rather than identifying a strategy that performs best under one assumed future, the dissertation will evaluate strategies across thousands or millions of alternative economic and personal scenarios.

A strategy may therefore be evaluated according to both expected return and robustness.

### Expected Contribution

The dissertation will contribute to accounting and taxation research by shifting the unit of analysis from annual tax liability toward lifetime after-tax economic outcomes.

It will demonstrate that a strategy minimizing current-year taxes is not necessarily the strategy maximizing lifetime after-tax wealth.

The project will also quantify the economic value created by tax planning and identify the worker populations for whom tax planning has the greatest potential impact.

By incorporating statistical uncertainty models and economic behavioral responses developed in preceding research, the dissertation will connect accounting decisions to household financial behavior, public pension systems, and long-term retirement security.

The resulting framework could ultimately support occupation-specific and jurisdiction-specific retirement and tax-planning tools for teachers, firefighters, police officers, federal employees, state employees, municipal workers, and other public-sector employees.

## Public Pension Incentives, Taxation, and Labor-Supply Decisions Across the U.S. Public Workforce

### Dissertation Overview

This dissertation examines how public pension structures, taxation, retirement-account incentives, and Social Security rules influence saving, labor supply, occupational mobility, employee retention, and retirement decisions among U.S. public-sector workers.

Public employees face unusually heterogeneous compensation structures. Teachers, firefighters, police officers, federal employees, state employees, municipal workers, and other public-sector employees may be subject to different pension formulas, vesting schedules, employee contribution requirements, retirement ages, Social Security coverage, supplemental retirement plans, and state tax regimes.

These institutional differences create substantial variation in the economic incentives facing otherwise similar workers.

The dissertation will combine lifecycle economic modeling, administrative and publicly available data, institutional variation, econometric analysis, and stochastic simulation to investigate how workers respond to these incentives throughout their careers.

### Primary Research Question

How do public pension rules, taxation, Social Security participation, and tax-advantaged retirement accounts affect labor-supply, saving, mobility, retention, and retirement decisions among U.S. public-sector workers?

### Secondary Research Questions

1. How do pension vesting requirements affect employee retention and occupational mobility?

2. How do defined-benefit pension accrual patterns influence retirement timing?

3. Do supplemental retirement accounts such as 403(b), 457(b), and TSP plans increase total retirement saving, or do workers substitute among different savings vehicles?

4. How do federal and state marginal tax rates influence retirement-account contributions and outside labor income?

5. How does pension wealth affect household portfolio allocation and private saving?

6. How do differences across states and pension systems affect lifetime compensation and retirement security?

7. How do pension reforms change worker behavior?

8. Which combinations of pension and tax policy maximize retirement security while minimizing undesirable labor-market distortions?

### Economic Framework

Workers will be modeled as forward-looking agents who allocate resources and time over their lifetimes.

Individuals choose among consumption, saving, retirement-account contributions, labor supply, occupational mobility, and retirement while facing uncertainty concerning wages, investment returns, longevity, inflation, taxation, and future pension benefits.

The worker's decision problem can be represented generally as the maximization of expected lifetime utility subject to labor-income, tax, pension, savings, and borrowing constraints.

The dissertation will examine both financial incentives and behavioral responses generated by differences in public-sector retirement systems.

### Empirical Strategy

The research will exploit cross-sectional and longitudinal differences among states, occupations, pension systems, and policy regimes.

Where appropriate, empirical strategies may include:

panel-data models
difference-in-differences
event-study designs
regression discontinuity around pension thresholds
instrumental-variable approaches
hazard models for retirement and job separation
structural lifecycle estimation

Policy reforms affecting contribution rates, vesting periods, benefit formulas, retirement eligibility, or Social Security participation may provide quasi-experimental settings for estimating causal effects.

A stochastic lifecycle simulation model will then translate estimated behavioral responses into long-term consequences for retirement wealth, government pension costs, tax revenues, employee retention, and household welfare.

### Expected Contribution

The dissertation will contribute to public economics, labor economics, household finance, and pension economics by providing a unified analysis of how tax and pension institutions jointly influence public employees over their complete working lives.

Its principal contribution will be the integration of retirement incentives, taxation, saving behavior, and labor-market decisions within a heterogeneous national public-sector workforce.

The economic behavioral estimates produced by this dissertation will subsequently strengthen accounting research by allowing tax-planning strategies to be evaluated under realistic behavioral responses rather than assuming that taxpayers remain passive.

## Statistical Modeling of Lifetime Wealth and Retirement Risk in Heterogeneous Public-Sector Pension Systems

### Dissertation Overview

This dissertation develops a statistical framework for estimating lifetime retirement wealth, retirement-income adequacy, and financial risk among U.S. public-sector employees. Public-sector workers participate in highly heterogeneous pension, tax, Social Security, and supplemental retirement systems. Consequently, workers with similar salaries and career lengths may experience substantially different retirement outcomes depending on occupation, jurisdiction, pension structure, contribution behavior, investment performance, retirement timing, and longevity.

The study will construct a large-scale stochastic simulation model representing public-sector employees across occupational groups, states, pension systems, salary levels, ages, and years of service. The model will incorporate uncertainty in wage growth, inflation, investment returns, employment continuity, retirement age, longevity, and future tax environments.

Rather than relying solely on deterministic retirement projections, the dissertation will estimate complete probability distributions of lifetime outcomes. Primary outcomes will include lifetime after-tax wealth, replacement ratios, retirement income, lifetime tax payments, pension wealth, probability of retirement-income shortfall, downside risk, and the probability of exhausting financial assets.

### Primary Research Question

How can lifetime retirement outcomes for heterogeneous public-sector employees be estimated accurately and efficiently under simultaneous uncertainty in labor income, pension benefits, taxation, financial-market returns, and longevity?

### Secondary Research Questions

1. How much variation in retirement outcomes is attributable to individual characteristics, occupation, pension system, employer, and state?

2. Which sources of uncertainty contribute most strongly to lifetime retirement risk?

3. How accurately can computationally efficient simulation and statistical-learning methods approximate extremely large brute-force Monte Carlo simulations?

4. How sensitive are estimated retirement outcomes to assumptions regarding investment returns, inflation, longevity, salary progression, and tax policy?

5. Can adaptive sampling, variance-reduction techniques, Bayesian methods, or surrogate models substantially reduce the computational burden required for reliable retirement-risk estimation?

### Methodology

The dissertation will construct representative worker profiles using combinations of occupation, age, salary, years of service, pension plan, jurisdiction, retirement account availability, and household characteristics.

For each profile, stochastic lifetime trajectories will be generated using Monte Carlo simulation. Statistical methods may include hierarchical models, Bayesian estimation, survival models, quantile regression, generalized linear models, bootstrap inference, variance decomposition, sensitivity analysis, and machine-learning surrogate models.

A hierarchical framework will distinguish variation at multiple levels, including:

individual worker
occupation
employer or pension system
state
national economic environment

Simulation convergence will be evaluated to determine the number of stochastic paths required to obtain stable estimates of means, quantiles, tail probabilities, and retirement-shortfall probabilities.

The dissertation will also investigate whether relatively small, intelligently selected simulation samples can reproduce the results of much larger computational experiments.

### Expected Contribution

The principal statistical contribution will be a general framework for modeling lifetime financial outcomes when multiple sources of uncertainty interact within heterogeneous institutional systems.

The research will contribute to statistical methodology concerning simulation efficiency, hierarchical uncertainty, tail-risk estimation, and probabilistic prediction while simultaneously producing a reusable computational infrastructure for retirement-policy and taxation research.

The resulting statistical engine will provide the methodological foundation for subsequent economic analysis of worker behavior and accounting research concerning tax planning.

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

(6) Mathematics PhD, Pitt (UPMC)

• (6) Computation Science & Statistics PhD, SDState
• (6) Data Science & Engineering PhD, USD

(6) Accounting PhD, {Pitt}

• (6) Statistics PhD, CMU UCSB
• (6) Economics PhD, Pitt

—

Accounting faculty, UAF

• Fairbanks, AK 家、one bus away from Wood Center

2055~ “financial freedom”

(3)(6) (6) (6)(6)、

Mathematics PhD, Pitt (UPMC)

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

(6) SDState

(6)(6) USD

Accounting PhD, {Pitt}

• MyCPAMyTAX.com
• {Teachers}.BookerkeeperJohn.com

Economics PhD, Pitt / Statistics PhD, CMU

Accounting faculty, UAF

• Cutler – Patty Ctr. – Dine 49 – Rasmuson
• 2793 W 3rd Ave, Frank Lloyd Wright BUILD

目標 : “$100M” CDs、毎年”$3.5M” perpetual

• McDonald’s {Safeway}
• North Pole Branch Library
• —
• Pittsburgh (UPMC)
• – Mathematics PhD, Pitt
• – Accounting PhD, {Pitt}
• —
• – Economics PhD, Pitt
• – Statistics PhD, CMU

.

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

• {Teachers}.BookkeeperJohn.com
• – ChatGPT
• – TurboTax Business & Premier
• – Chromebook Linux {Python R}

.

2029 06

• Medicare Plan G
• UA(F) Sr. Tuition Waiver

2030 : SSDI Trial Work

2034 06~ 307 W 5th Ave、”perpetual” 확보

• 소셜 시큐리티 70歳 수령
• SPIA “$20万”

(9) ~2037

(9) ~2046

(9) ~2055

2055~ 칩거 “30年”、”financial freedom”

• Roth IRA (2025~55)
• Roth Solo 401(k) (2026~55)

(3)(6) (6) (6)(6)、

우선 Mathematics PhD, Pitt (stipend), UPMC

(6) SDState

(6)(6) USD

Math PhD, Pitt >> Accounting PhD, {WSU}

• WRGP WUE AB 540
• —
• MyCPAMyTAX.com
• {Teachers}.BookkeeperJohn.com

.

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

CalState

NDSU

UND

UIdaho

WSU

OregonState

UOregon

Washington.edu

Manoa.Hawaii.edu

Montana

UMT

—

Arizona

Utah

Colorado

New Mexico

—

Accounting PhD, {WSU}

• MSED, SDSU UCSD
• Econometrics, UCSD
• >>
• Economics, Pitt
• Computational Mathematics, CMU
• << UPMC

.

2026

2027

(9) 2028~37

• 2029 06~ Medicare Plan G
• 2034 06~ 307 W 5th Ave, “perpetual” 확보

(9) 2037~46

(9) 2046~55

2055~ 칩거 “30年”、”financial freedom”

(3)(6) (6) (6)(6)、

(6) SDState (6)(6) USD

.. Accounting PhD, {WSU}

• MyCPAMyTAX.com
• Teachers.BookkeeperJohn.com

• Statistics PhD, NDSU
• Economics PhD, Pitt UCR
• Mathematics Education PhD, Montana
• Mathematics PhD, UMT

.

目標 : “$100M” CDs、毎年”$3.5M” perpetual

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

Teachers.BookkeeperJohn.com

(6)(6)(6)

>>

(6) SDState (6)(6) USD (WRGP)

Accounting PhD, {WSU} (stipend)

• (6), (6)(6)

>>

Accounting faculty, UAF

>> 06:20AM GREEN to North Pole {High} from McDonald’s

>> REMOTE Tax JOB

• 全 美国 韓人 & 韓人 업소
• 全 美国 先生

SDState >> USD >> Accounting PhD

Accounting facility, UAF

>> 06:20AM GREEN to North Pole {High} from McDonald’s

>> REMOTE Tax JOB

(3)(6) (6) (6)(6) 後、

• EA CPA M.Ed Credential MAcc MST

SDState USD, SD

• no state income tax

UND NDSU, ND

UNR, NV

• no state income tax

Washington WSU, WA

• no state income tax

UIdaho, ID

Manoa.Hawaii, HI

{CalState / JC}, CA (AB 540-TA)

• Mathematics MS
• – Accounting, CA JC (online)

Accounting PhD, {UTexas} (stipend), TX

• no state income tax

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

(6)(6)(6) Computational Science PhDs

• SDSU UCI, CSULB CGU, UCLA

Accounting PhD CPA

.

~2055 : “30年” 칩거、”91歳”

• BA BBA, EA QBO CPA M.Ed Credential
• 2034 06~ : 307 W 5th Ave, “perpetual” 확보
• – 소셜 시큐리티 70歳 수령
• – SPIA “$20万”

{350 250} 毎月 유지、毎9年”{$2M}”

• Roth IRA (2025~55)
• Roth Solo 401(k) (2026~55)

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

• TurboTax Business & Premier
• 1万 先生 × 月$15 × 毎9年 = “$10M”

2055~ : 칩거 後、”financial freedom” 中、

• Mathematics, CalStateLA
• – 윌셔 공인회계사 사무실 part time
• Mathematics MS, UAF (stipend)
• Statistics MS, UAF (stipend)
• Economics BA, UND
• Economics MA, CalStateLA
• – 윌셔 공인회계사 사무실 part time
• MAcc, UND (stipend)
• MST, CSUN
• – REMOTE Tax JOB

—

.

.

• Accounting PhD or JD (3 + 3) / LLM (Spokane, WA)
• – SDSU UCI, CSULB CGU, UCLA (SoCal)
• – Economics PhD, Pitt (UPMC)
• – Statistics PhD, UCSB (JC-AB 540)

.

.

Anthropology BA, UAF eCampus

Linguistic Anthropology MA PhD, UAF

• Cutler – Patty Ctr. – Dine 49 – Rasmuson

.

生活 :

{350 250} 毎月 유지、毎9年”{$2M}”

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

• TurboTax Business & Premier

>> “1万” 先生 × 月$15 × 毎9年 = “$10M”

• McDonald’s {Safeway}
• North Pole Branch Library
• —
• Math MS Stat MS, UAF (stipend)
• BA BBA, EA QBO CPA M.Ed AAS BA MSW JD (3 + 3)

2029 06

• Medicare Plan G
• – Fairbanks Memorial Hospital, fully covered
• UA(F) Sr.Tuition Waiver

2030 : SSDI Trial Work

2034 06 : 307 W 5th Ave, “perpetual” 확보

• 소셜 시큐리티 70歳 수령
• SPIA “$20万”

2037

2046

2055~ : 칩거 後、”financial freedom”

• BA BBA, EA QBO CPA M.Ed Credential

“$4M” SPIA、Denali Center, fully covered

(3)(6) (6) (6)(6) : REMOTE Tax JOB

—

(6)(6)(6) : Computational Science PhDs

(6) : Accounting PhD

• (6) : Economics PhD
• (6) : Statistics PhD

—

JD (3 + 3) LLM

• Pitt, SDState USD

• Applied Mathematics BA, UC Berkeley
• Accounting BBA, UAF (online) (DVR funded)
• QBO Certified
• EA, Proctored
• Accounting, JC (online)
• CPA Exams, UAF
• M.Ed Credential, UAF (Sr.Tuition Waiver)
• Paralegal Studies AAS, UAF (online) (Sr.Tuition Waiver) >> JD (3 + 3), UAF Gonzaga
• Social Work BA, UAF (online) (Sr.Tuition Waiver)
• MSW, UAA (online) (Sr.Tuition Waiver)
• Mathematics, CalStateLA (AB 540-TA)
• – 윌셔 공인회계사 사무실 part time
• Mathematics MS, UAF (stipend)
• Statistics MS, UAF (stipend) >> Statistics PhD, UCSB
• Economics BA, UND (online)
• Economics MA, CalStateLA (AB 540) >> Economics PhD, Pitt
• – 윌셔 공인회계사 사무실 part time
• MAcc, UND (stipend) >> Accounting PhD, WSU
• MST, CSUN (online)
• >> REMOTE Tax JOB、”6年”

Accounting PhD, WSU (stipend)

JD, Gonzaga

—

No State Income Tax, CPA PhD JD LLM

12月~05月 AK Allowable Absences

“$100M” CDs、毎年”$3.5M” perpetual

• “financial freedom” 生活
• – McDonald’s {Safeway}
• – North Pole Branch Library
• —
• (3)(6) (6) (6)(6) REMOTE Tax JOB
• —
• (6)(6)(6) Computational Science PhDs
• – SDSU UCI, CSULB CGU, UCLA (stipend SoCal 生活)
• (6) Accounting PhD, WSU (Spokane, WA)
• —
• – (6) Economics PhD, Pitt (UPMC)
• – (6) Statistics PhD, UCSB (CA JC – AB 540)
• —
• JD, Gonzaga LLM (Spokane, WA)

.

307 W 5th Ave, “perpetual” 生活 확보

• 2034 06~ 소셜 시큐리티 70歳 수령
• SPIA “$20万”

칩거 ( ~2055) till “financial freedom”

• McDonald’s {Safeway}
• – 06:20AM GREEN to {North Pole High} from McDonald’s
• North Pole Branch Library

BBA, EA QBO CPA M.Ed Credential

은퇴 生活 中、{350 250} 毎9年 유지

• Roth IRA (2025~55)
• Roth Solo 401(k) (2026~55)

—

“$4M” SPIA、Denali Center

지선 55, 지원 54, 지연 52

~2055 “칩거”

BBA, EA QBO CPA M.Ed Credential

• McDonald’s {Safeway}
• – 06:20AM GREEN to {North Pole High} from McDonald’s
• North Pole Branch Library

• {350 250} : 2046~55 유지 {$2M} 확보
• Roth IRA (2025~55)
• Roth Solo 401(k) (2026~55)

2055~ “financial freedom”

(3)(6) (6) (6)(6)

—

(6)(6)(6)

(6)

• (6)
• (6)

JD, Gonzaga LLM

• CPA / PhD, WSU / JD, Gonzaga

.

EA CPA M.Ed MAcc MST PhD MSW JD LLM

.

JD, Gonzaga

LLM

.

.

目標 : “$100M” CDs、毎年”$3.5M” perpetual

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

.

307 W 5th Ave, “perpetual” 生活 확보

• McDonald’s {Safeway}
• – 06:20AM GREEN to {North Pole High} from McDonald’s
• North Pole Branch Library

2034 06~

• 소셜 시큐리티 70歳 수령
• SPIA “$20万”

BBA, EA QBO CPA M.Ed Credential

• Accounting, JC (online)

{350 250} 85 毎月 유지

“$4M” SPIA、Denali Center

2793 W 3rd Ave, Frank Lloyd Wright BUILD

{8,000 .. 60万} 毎月 달성、

毎9年 “$10M” ~ “$100M”

2055~ 칩거 後、”financial freedom”

(3)(6) (6) (6)(6)

• (3) Math, CalStateLA
• (6) Math MS / Stat MS, UAF (stipend)
• (6) Econ BA, UND / MA, CalStateLA
• (6) MAcc, UND / MST, CSUN
• (6) REMOTE Tax JOB

.

.

(6)(6)(6) Computational Science PhDs

• SDSU UCI, CSULB CGU, UCLA

(6) Accounting CPA PhD, WSU (Spokane, WA)

• (6) Economics PhD, Pitt (UPMC)
• (6) Statistics PhD, UCSB (JC CA – AB 540)
• – AK Allowable Absences

.

2034 06~

• 307 W 5th Ave, “perpetual” 확보
• – 소셜 시큐리티 70歳 수령
• – SPIA “$20万”

{350 250} 毎月 유지、毎9年 “$2M”

2055~ “financial freedom”

EA QBO CPA M.Ed Credential

• Roth IRA
• Roth Solo 401(k)

(3)(6) (6) (6)(6)

(6)(6)(6) (6),(6)(6)

.

(6) Accounting CPA PhD, WSU

Computational Science PhDs

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

• (6) Economics PhD, Pitt
• (6) Statistics PhD, UCSB

• (6) SDSU UCI, Computational Science PhD
• (6) CSULB CGU, Engineering & Computational Mathematics PhD
• (6) UCLA, Computational Applied Mathematics PhD

.

.

目標 : “$100M” CDs、毎年”$3.5M” perpetual

• McDonald’s {Safeway}
• – 06:20AM GREEN to {North Pole High} from McDonald’s
• North Pole Branch Library

.

2028~ +90年、{350 250} 毎月 유지 生活

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

>> “Tax Planning and Retirement Wealth Accumulation Among Educators: An Accounting Framework for Lifetime Financial Planning“

2034 06~ : 307 W 5th Ave, “perpetual” 확보

“$4M” SPIA, Denali Center & Medicare Plan G

2055~ “financial freedom”

• EA QBO CPA M.Ed Credential
• (3)(6) (6) (6)(6)
• – (6) MAcc MST
• – (6) REMOTE Tax JOB

• (6)(6)(6) : Computational Science PhDs
• – SDSU UCI, CSULB CGU, UCLA
• (6) WSU, Spokane, WA (Accounting PhD)
• (6) – UCSB, JC (AB 540) (Statistics PhD)
• (6) – Pitt, UPMC (Economics PhD)

<< (3)(6) (6) (6)(6)(7) (8)(8)(9) (4) ~2118年 “154歳”

.

~2055

• EA QBO CPA M.Ed Credential
• ~2028~2034 06~ 307 W 5th Ave, “perpetual” 生活 확보 中、

2055~ “financial freedom,” 91歳

• (3)(6) (6) (6)(6)
• – BBA, EA QBO CPA MS MAcc MST
• – REMOTE Tax JOB

(7) (8)(8)(9) (4)

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

• (6)(6)(6) / (6), (6)(6)

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

(6) SDSU UCI, (6) CSULB CGU, (6) UCLA

• Computational Science PhDs

(6) Accounting PhD, {WSU} >> Spokane, WA

• (6) Statistics PhD, UCSB >> JC (AB 540)
• (6) Economics PhD, Pitt >> UPMC

目標 : 毎月 “{350 250} 85” 유지 生活

• 2034 06~ “307 W 5th Ave” – perpetual 확보
• – 소셜 시큐리티 70歳 수령
• – SPIA “$20万”
• “$4M” SPIA、Denali Center

~2055~ “financial freedom” 後、

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

• EA CPA M.Ed Credential ( ~2055)
• – Accounting / Taxation, JC (online)

(3)(6) (6) (6)(6)

• (3) Mathematics, CalStateLA
• – 윌셔 공인회계사 사무실 part time
• (6) Math MS / Stat MS, UAF (stipend)
• —
• (6) Econ BA, UND (online) / MA, CalStateLA
• – 윌셔 공인회계사 사무실 part time
• —
• (6) MAcc, UND / MST, CSUN (online)
• (6) REMOTE Tax JOB

(7) Computational Science PhD, SDSU UCI

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

(8)(8) (9) (4) >> (6)(5) (6) (6)6)

— (8)(8) Computational Science PhDs

• CSULB CGU, UCLA

(9) (4) …

毎年 apply to Accounting, Statistics Economics PhD programs

• (6) Accounting PhD, {WSU} >> Spokane, WA
• (6) – Statistics PhD, UCSB >> JC (AB 540)
• (6) – Economics PhD, Pitt >> UPMC

~2118 (“154歳”)

pitt.edu / ucsb.edu :

• Statistics PhD, ucsb
• Economics PhD, pitt / ucsb
• Accounting PhD, pitt

<< cmu.edu

&

“JC, Santa Barbara, CA” (AB 540)

目標 : $4M SPIA、”$100M” CDs

{350 250} 85 : 毎月 유지 生活 中、

• ~2037~46~55~

{8,000 .. 60万} : 毎9年 “$10M” ~ “$100M” 달성

• (3)(6) (6) (6)(6) (7) (8)(8)(9) (4)

“$4M” SPIA、毎月{350 250} 유지 中、

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

• Computational Science PhDs
• – SDSU UCI, CSULB CGU, UCLA
• Economics PhD, Pitt UCSB
• Statistics PhD, UCSB

2026 : CPA.1004site.com

2026 12 : EA Part 3

2027 10 : EA Part 1

2028 06 : EA Part 2

Accounting, JC (online)

CPA Exams, UAF

M.Ed Credential, UAF (Sr. Tuition Waiver)

Accounting PhD, {wsu.edu / pitt.edu} (stipend)

SSDI UCI, CSULB CGU, UCLA (Linux 취미 THESIS 生活)

• $82.99 – TurboTax Premier Desktop Edition 2025, Federal & State Tax Return [PC/Mac Download]
• $143.99 – TurboTax Business Desktop Edition 2025, Federal Tax Return [PC Download]

• Statistics MS, UAF (stipend)
• Economics MA, CalStateLA (AB 540)
• MAcc, UND
• MST, CSUN
• Computational Science PhD

“$4M” SPIA; {350 250} 毎月 유지

• 몽골 TM, 업소록 SCAN, CloudTalk
• >> “$10M” 확보
• EA CPA M.Ed Credential

2055~ “financial freedom” & (3)(6) .. (7) (8)(8) (9) (4)

Computational Science PhDs、

• SDSU UCI, CSULB CGU, UCLA
• – Chromebook Linux

UCSB、

• Statistics PhD
• Economics PhD

.

SDSU UCI, CSULB CGU, UCLA

Economics PhD / Statistics PhD, UCSB, CPA

Economics PhD, UCSB / Accounting PhD CPA

>> JC, Santa Barbara, CA (AB 540)

.

目標 : “$100M” CDs、돈 걱정 없는 生活 中、

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

• (3)(6) (6) (6)(6)(7) (8)(8) (9) (4)

EA CPA M.Ed Credential ( ~2055)

• MyCPAMyTAX.com
• 윌셔 공인회계사 사무실 part time
• REMOTE Tax JOB

• Math MS / Stat MS
• Economics
• MAcc MST

• (7) (8)(8) Computational Science PhDs
• – SDSU UCI, CSULB CGU, UCLA
• (9) Accounting CPA PhD

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

—

Statistics PhD, UCSB

—

앞으로 “30年” Fairbanks, AK “칩거”

2055~ “financial freedom”

• 지선 55, 지원 54, 지연 52
• EA CPA M.Ed Credential
• —
• Fairbanks Memorial Hospital
• – Medicare Plan G
• Denali Center
• – “$4M” SPIA

(3) Mathematics, CalStateLA

• 윌셔 공인회계사 사무실 part time

(6) Math MS / Stat MS, UAF (stipend)

(6) Economics BA, UND / MA, CalStateLA

• 윌셔 공인회계사 사무실 part time

(6)(6)

• MAcc , UND / MST, CSUN
• REMOTE Tax JOB

(7) (8)(8)(9)

• THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

.

“30年” 平安 生活 中、”financial freedom”

지선 55, 지원 54, 지연 52

• McDonald’s {Safeway}
• – 06:20AM GREEN to {North Pole High} from McDonald’s
• North Pole Branch Library
• – 月曜日 : Class Q, Rasmuson

• (3)(6) (6) (6)(6)、REMOTE Tax JOB

— “$100M” CDs、毎年”$3.5M” perpetual

(7) SDSU UCI, Computational Science PhD

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서..

—

(8) CSULB CGU, Engineering & Computational Mathematics PhD

(8) CAM, UCLA, Computational Applied Mathematics PhD

—

(9) Accounting CPA PhD, {wsu.edu} (stipend)

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

• Teachers.BookkeeperJohn.com, CPA PhD

—

Statistics PhD, UCSB (stipend)

—

.

.

2055~ “financial freedom” ~2114 “150歳”~

Statistics PhD, UCSB (stipend)

JC, Santa Barbara, CA

• AB 540
• AK Allowable Absences

지선 55, 지원 54, 지연 52

앞으로 “30年” 平安 生活 中、”financial freedom” attain

EA CPA M.Ed Credential

• EA – $317 / Part ( ~2028 11)
• CPA – $371.64 / Section (2029~ )
• M.Ed Credential, UAF (Sr. Tuition Waiver, 2029 06~ )

{Teachers}.BookkeeperJohn.com

~2055 : “$10M” ; “$4M” SPIA

• Roth IRA (2025~55)
• Roth Solo 401(k) (2026~55)

PREP. – “financial freedom” “91歳” 後、

大学 stipend 生活 始まり。:

• Accounting PhD, {wsu.edu} (stipend)
• Computational Science PhDs
• – SDSU UCI, CSULB CGU, UCLA (stipend)
• Statistics PhD, UCSB (stipend)

• McDonald’s {Safeway}
• – 月曜日 : Class Q, Rasmuson
• << Mathematics and Science Education Doctoral Program (MSED)
• North Pole Branch Library

2027 12

• Housing Voucher Recertification

2028

2029 06~ : Medicare Plan G

2030 : SSDI Trial Work

• Roth IRA 毎年”$8,600″ ( ~2055)
• Roth Solo 401(k) 毎年”{$10,000} ( ~2055)

2031

• w/o SSDI
• w/ Housing Voucher

{2034 01~05} : CalStateLA

2034 06~ 소셜 시큐리티 수령 始まり。

• 307 W 5th Ave, “perpetual” 확보

2037 : {175 125} 달성

(9) ~2046 : {350 250}

(9) ~2055 : {350 250} {9年} 유지

BBA, EA QBO CPA M.Ed MAcc MST MSW EDPNA

Accounting PhD, Taxation, {wsu.edu} (stipend)

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

• Roth IRA >> SPIA
• Roth Solo 401(k) >> SPIA

(3)(6) (6) +”44年” (6)(6)(7) +”19年” (8)(8)(9)

“알라스카 추위 피해 1月부터 5月까지 로스엔젤레스 生活 中、Accounting PhD / MSED, SDSU UCSD 마침。。。“

• {(3)} : 윌셔 공인회계사 사무실 part time (01月~05月)
• – (6) (6) (6)(6) : Accounting CPA PhD (stipend)
• {(3)} : LAUSD substitute teacher (01月~05月)
• – (7) : MSED, SDSU UCSD (stipend)

“$4M” SPIA、Denali Center 확보 :

Teachers.BookkeeperJohn.com

Applied Mathematics BA, UC Berkeley

Accounting BBA, UAF (DVR)

Enrolled Agent (Proctor)

CPA Exam (UAF)

M.Ed Credential, UAF (Sr. Tuition Waiver)

• INTERNSHIPS : North Pole {High}

https://www.cmlibrary.org

public library O’Reilly available for non-resident.

“$4M” SPIA、Denali Center

BBA, EA QBO CPA M.Ed MAcc MST MSW EDPNA

(3)(6) (6) +”44年” (6)(6)(7) +”19年” (8)(8)(9)

• {(3)} : 윌셔 공인회계사 사무실 part time (01月~05月)
• – (6) (6) (6)(6) : Accounting CPA PhD (stipend)
• {(3)} : LAUSD substitute teacher (01月~05月)
• – (7) : MSED, SDSU UCSD (stipend)

Accounting PhD, Taxation, {wsu.edu} (stipend)

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

.

BBA, EA QBO CPA M.Ed MAcc MST MSW EDPNA

{350 250} “{9年}” 유지

• Roth IRA 毎年”$8,600″ (2030~55)
• Roth Solo 401(k) 毎年”{$10,000}” (2030~55)

Accounting PhD, Taxation, {wsu.edu} (stipend)

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

.

“$4M” SPIA、Denali Center、

.

로스앤젤레스 한인타운 & LAUSD

• Accounting CPA PhD
• MSED, SDSU UCSD
• – Teachers.BookkeeperJohn.com

01月~05月 : CalStateLA

• 윌셔 공인회계사 사무실 part time
• LAUSD substitute teacher

(3)(6) (6) (6)(6)(7)

• Accounting CPA PhD (stipend)
• MSED, SDSU UCSD (stipend)

(8)(8)(9)

IMPROMPTU @Fairbanks, AK

• McDonald’s {Safeway}
• 月曜日 : Class Q, Rasmuson
• 몽골 TM, 업소록 SCAN, CloudTalk
• North Pole Branch Library

“Asking Eric”

• BBA, EA QBO CPA M.Ed MAcc MST MSW
• —
• Roth IRA, 年”$8,600″ (2030~2055)
• Roth Solo 401(k), 年”{$10,000}” (2030~2055)
• —
• (3)(6) (6) (6)(6)(7)
• (8)(8)(9)

Accounting/Taxation, CPA PhD

• Teachers.BookkeeperJohn.com
• << CPA.1004site.com
• << MyCPAMyTAX.com
• << 1.5Generations.US

MSED, SDSU UCSD

• STEM.JinuAcademy.com
• 月曜日 : Class Q, Rasmuson

지선 89, 지원 88, 지연 86

.

“scarcity” 生活 中、{$4M} SPIA 확보

• Fairbanks Memorial Hospital
• – Medicare Plan G (2029 06~ )
• Denali Center, Dental Care

.

2027 : 生活 확보

• 몽골 TM, 업소록 SCAN, CloudTalk

• McDonald’s {Safeway}
• – 月曜日: Class Q, Rasmuson
• North Pole Branch Library
• —
• 毎月”$4,000″ & “$5万” 저축액

2029 06~ : Medicare Plan G

• Fairbanks Memorial Hospital, fully covered

2030 : SSDI Trial Work

• 본격적 {350 250} 달성 및 유지

{2034年 1月~5月} : CalStateLA

• 윌셔 공인회계사 사무실 part time
• – BBA, EA QBO CPA
• LAUSD substitute teacher
• – M.Ed Credential, UAF

2034 06~ : 소셜 시큐리티 70歳 수령

• 307 W 5th Ave, “perpetual” 확보

(9) 2037 08~

• Mathematics MS, UAF (stipend)
• Statistics MS, UAF (stipend)
• – Physics MS, UAF
• Biological Sciences BS, UAF
• M.Ed Credential, UAF
• Paralegal Studies AAS, UAF

(9) 2046 08~

• Social Work BA, UAF / MSW, UAA
• MST MAcc

(3)(6) 2055 08 : SPIA “$4M”、Denali Center

BBA, EA QBO CPA M.Ed MST MAcc MSW

• Roth IRA (2025~55)
• Roth Solo 401(k) (2026~55)

(3)(6) (6) +”44年” (6)(6)(7) +”19年”

• (3) >> (6) (6) (6)(6) Accounting CPA PhD (stipend)
• (7) MSED, SDSU UCSD (stipend)

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

(8)(8)(9) : STEM, UAF (Sr. Tuition Waiver) CalStateLA (AB 540)

月曜日: Class Q, {Rasmuson}

• Cutler – Patty Ctr. – Dine 49 – Rasmuson
• Teachers.BookkeeperJohn.com
• – STEM.JINU – 10万 先生 × 月$15 × 毎9年 = “{$100M}”

—

.

.

~30年 “칩거” 後、”financial freedom”

BBA, EA QBO CPA M.Ed MST MAcc MSW

(3)(6) (6) +”44年” (6)(6)(7) +”19年”

from 윌셔 공인회계사 사무실 & LAUSD

to Accounting CPA PhD & MSED, SDSU UCSD

.. 가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

(8)(8)(9), UAF (Sr. Tuition Waiver)

• Cutler – Patty Ctr. – Dine 49 – Rasmuson

• CalStateLA (01月~05月)
• – 윌셔 공인회계사 사무실 part time
• – LAUSD substitute teacher

.

.

(3)(6) (6) +”44年” (6)(6)(7) +”19年”

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

01月~05月 : CalStateLA dorm 生活

• 윌셔 공인회계사 사무실 part time
• LAUSD substitute teacher

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

• Accounting CPA PhD
• MSED, SDSU UCSD

—

(8)(8)(9)

• STEM MS, UAF / CalStateLA

—

目標 : 2030~2055 : “$4M”、SPIA

• 2026 06~ Medicare Plan G
• – Fairbanks Memorial Hospital
• 2034 06~ 소셜 시큐리티 70歳 수령 始まり。
• SPIA “$4M”
• – Denali Center
• Roth IRA (2025~55) >> SPIA
• Roth Solo 401(k) (2026~55) >> SPIA

• BBA, EA QBO CPA M.Ed MST MAcc MSW
• – 2030 “SSDI Trial Work”~ {350 250} 유지 달성
• – 2030~2055 : “$4M” SPIA 확보

.

SPIA “$4M”、Denali Center 확보

(3)(6) (6) +”44年” (6)(6)(7) +”19年”

• CalStateLA (01月~05月) (AB 540-TA)
• – 윌셔 공인회계사 사무실 part time
• – LAUSD substitute teacher

• Accounting CPA PhD (stipend)
• MSED, SDSU UCSD (stipend)

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

(8)(8)(9)

• STEM, UAF (Sr. Tuition Waiver) / CalStateLA (AB 540)
• – 윌셔 공인회계사 사무실 part time
• – LAUSD substitute teacher

.

지선 55, 지원 54, 지연 52

目標: “$4M” SPIA; “$100M” CDs

“$4M” SPIA、Denali Center

• {350 250} 毎9年 twice

(3)(6) (6) +”44年” (6)(6)(7) +”19年”

• Accounting PhD CPA
• MSED, SDSU UCSD

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

—

(8)(8)(9):

• UAF (Sr. Tuition Waiver)
• CalStateLA (AB 540)
• – 윌셔 공인회계사 사무실
• – LAUSD substitute teacher

2026

2027

2029 06 : Medicare Plan G

• UAF Sr. Tuition Waiver
• Fairbanks Memorial Hospital, fully covered

2030 : SSDI Trial Work

2034 06 : 소셜 시큐리티 70歳 수령

• BBA, EA QBO CPA

(9) 2037~46 UAF (stipend 生活)

• {350 250} 毎9年 유지

(9) 2046~55 (“91歳”)

• MST MAcc
• Social Work BA MSW

• {350 250} 毎9年 유지

—

(3)(6) 2055~64

• SPIA “$4M”、Denali Center
• Roth IRA & Roth Solo 401(k) >> SPIA
• – 2793 W 3rd Ave, Frank Lloyd Wright BUILD

01月~05月: CalStateLA / CA JC

• 윌셔 공인회계사 사무실 part time
• LAUSD substitute teacher

— (3)(6) (6) (6)(6)(7)

(6) Accounting PhD CPA

(7) MSED, SDSU UCSD

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

(8)(8)(9) STEM, UAF / CalStateLA

— SPIA “$4M”、Denali Center

CalStateLA (AB 540-TA) :

• 윌셔 공인회계사 사무실 Part Time
• LAUSD substitute teacher
• Teachers.BookkeeperJohn.com

(3).. (6) .. 01月~05月 : CalStateLA (dorm) (AB 540-TA)

• 윌셔 공인회계사 사무실
• – Metrolink Metro
• {STEM}, CalStateLA
• – Accounting, CA JC (online)

<< (3)(6) (6) (6)(6)(7)

• (6) Accounting PhD, {wsu.edu}

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

• (7) MSED, SDSU UCSD

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

>> (8)(8)(9)

• STEM MS, UAF

“$4M” SPIA, Denali Center :

(3)(6) (6) (6)(6), REMOTE Tax JOB 中、

Accounting PhD CPA

(7) MSED, SDSU UCSD

• (8)(8)(9)

(3)(6) (6) (6)(6)(7) (8)(8)(9), UAF CalStateLA

{(3)} REMOTE Tax JOB / 윌셔 韓人 공인회계사 사무실 from CalStateLA >> Accounting PhD 응시

• (6) (6) (6)(6), Accounting PhD CPA
• – (7) MSED, SDSU UCSD “가장 .. 오래 살면서… “
• Physics MS Biology MS Chemistry MS, UAF CalStateLA
• – STEM, JinuAcademy.com
• Denali Center、SPIA “$4M”

• Paralegal Studies AAS, UAF (2027 08~ )
• M.Ed Credential, UAF (2029 08~ )
• BBA, EA QBO CPA
• {2034 01~ } Mathematics, CalStateLA

• {350 250} 달성 및 유지
• —
• 1004site.com
• – 몽골 TM, 업소록, CloudTalk
• MyCPAMyTAX.com
• – BBA, EA QBO CPA
• JinuAcademy.com
• – ChatGPT 毎週

(9) “$2M” (9) “$2M” (3)(6) (6) (6)(6)(7) (8)(8)(9)

2055 (“91歳”) + (3)(6) (6) (6)(6)(7) : “가장 .. 오래 .. “

(8)(8)(9) & “Denali Center” ready SPIA “$4M”

.

{350 250} : (9) 2028~37 달성

(9) 2037~46 : $2M

(9) 2046~55 : $2M

2055~ “Denali Center”、SPIA “$4M” ready

• Roth IRA (2025~55) >> SPIA
• Roth Solo 401(k) (2026~55) >> SPIA

(3)(6) (6) (6)(6)(7) (8)(8)(9)

Accounting CPA PhD, BookkeeperJohn.com, running JinuAcademy.com

.

(9) ~2055

• BBA, EA QBO CPA M.Ed MST MAcc MSW
• {350 250} 85 {8,000 .. 60万} 毎年 유지
• Roth (Solo 401(k) IRA >> SPIA

REMOTE Tax JOB, work experience

(3)(6) (6) (6)(6)

• {(3)} work experience
• (6) (6) (6)(6) Accounting PhD admission & 수료

(7) “가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…”

(8)(8)(9), UAF/ CA JC, CalStateLA

Denali Center、SPIA “$4M”

Mathematics MS >> MS PhD, UAF

Accounting MS, CalStateLA >> PhD, {wsu.edu}

Sociology MA, CalStateLA << LTCC

Economics MA, CalStateLA << SMC

MBA, CalStateLA

Art << maestro.edu

TV, Film, and Media Studies << Communication BA MA, UAF

Physics MS >> BS MS PhD, UAF

Biology MS >> BS MS PhD, UAF

Chemistry MS >> BS MS, UAF

Japanese BA >> BA, UAF

Chinese BA

Spanish BA MA << UAF

.

Accounting CPA PhD

• Teachers.BookerkeeperJohn.com
• John.MyCPAMyTAX.com
• – 全美国 韓人 공인회계사 네트워크
• John1.5Generation.US

STEM, UAF / CA JC / CalStateLA

• {8,000 .. 60万} 毎9年 유지
• – $10M SPIA ~ $100M CDs

.

LIFE in “scarcity” while SPIA “$4M” for Denali Center 확보

{Teachers}.BookkeeperJohn.com

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

• 85 {8,000 .. 60万} 毎9年 유지
• – {$10M ~ $100M} in SPIA / CDs
• —
• McDonald’s {Safeway}
• – 月曜日: Class Q, Rasmuson
• North Pole Branch Library
• —
• Cutler – Patty Ctr. – Dine 49 – Rasmuson
• {2034 01~ } STEM MS, CalStateLA (AB 540-TA}
• —
• 6:20AM GREEN to North Pole High from McDonald’s

Accounting PhD, Taxation, {wsu.edu} (stipend)

• THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

BBA, EA QBO CPA M.Ed MST MAcc MSW

• {350 250} 毎年 유지 달성

• {2034 01~ } STEM MS, CalStateLA (AB 540-TA}
• 윌셔 韓人 공인회계사 네트워크 구축
• REMOTE Tax JOB 中、Accounting PhD admission
• (3) (6) (6) (6)(6)

STEM MS PhD, UAF (stipend / Sr. Tuition Waiver)

• 가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…
• (7) “가장 .. 살면서… ” / (8)(8)(9)
• {2034 01~ } STEM MS, CalStateLA (AB 540-TA}

Fairbanks Memorial Hospital

• Medicare Plan G

Denali Center

• SPIA “$4M”

6:20AM GREEN to “North Pole High” from McDonald’s

• JinuAcademy.com
• – RM, PA, A1, GE, A2, PC, CA
• – SAT, ACT, AP Exam, {JEE Prep.}, 회계/세법 교육
• – STEM Education

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서…

目標: “$100M” in CDs; 毎年”$3.5M” perpetual

• CalStateLA (01月~05月)
• – AK Allowable Absences
• – AK “추위 피해서”

McDonald’s {Safeway}

• 月曜日: Class Q, Rasmuson
• Cutler – Patty Ctr. – Dine 49 – Rasmuson (stipend)
• {2034 01~ } CalStateLA (AB 540-TA)
• Accounting PhD, {wsu.edu} (stipend)

North Pole Branch Library

>>

6:20AM GREEN to “North Pole High” from McDonald’s

Denali Center, SPIA “$4M”

Fairbanks Memorial Hospital

• Medicare Plan G (2029 06~ )

Denali Center

• SPIA “$4M” & “여생” in case …

2793 W 3rd Ave, Frank Lloyd Wright BUILD

• Roth IRA (2025~55) >> SPIA
• Roth Solo 401(k) (2026~55) >> SPIA

CPA PhD

• BBA, EA QBO CPA M.Ed MST MAcc MSW

• Teachers.BookerkeeperJohn.com
• (6) (6)(6) {8,000 .. 60万} 毎9年 유지 ($10M~$100M)

(7) / (8)(8)(9), UAF (stipend)

• Mathematics Physics Biology Chemistry
• STEM BS MS, CalStateLA (“春” : AB 540-TA)
• – Metrolink Metro
• – {韓人} 공인회계사 네트워크

{2034 01~ } CalStateLA (AB 540-TA)

• Metrolink (student discount) / Metro (SMC ID – free)
• – 윌셔 韓人 공인회계사 교섭
• 5月~12月 : North Pole, AK 生活

Accounting PhD, {wsu.edu} (stipend)

.

BBA, EA QBO CPA M.Ed MST MAcc MSW

• {350 250} 85 {8,000 .. 60万} 毎年 유지

REMOTE Tax JOB :

• {2034 01~ } CalStateLA (“봄” : AB 540-TA)
• AK Allowable Absences
• AK S Corp., no State Income Tax
• – 윌셔 韓人 공인회계사 교섭

Accounting PhD, Taxation, {wsu.edu} (stipend)

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

Teachers.BookerkeeperJohn.com

(3)(6) (6) +44年 (6)(6) / (7) +19年 (8)(8)(9)

• UAF (stipend / Sr. Tuition Waiver)
• Cutler – Patty Ctr. – Dine 49 – Rasmuson (stipend)
• – (7) Mathematics PhD (63年後、)
• —
• – (8) Computational Physics MS PhD
• – (8) Biological Sciences MS PhD
• – (9) Chemistry MS PhD

.

in order to earn admission to …

Accounting PhD, Taxation, {wsu.edu} (stipend}

• Teachers.BookerkeeperJohn.co, CPA PhD

{2034 01~ } CalStateLA (“봄학기” : AB 540-TA)

• AK Allowable Absences
• AK S Corp., no State Income Tax
• 윌셔 韓人 공인회계사 네트워크 구축

(9)(9) (3)(6) (6) +44年 (6)(6) (7) +19年 (8)(8)(9)

(6) Accounting PhD, Taxation, {wsu.edu}

• work experience & PhD program admission
• Teachers.BookerkeeperJohn.com, CPA PhD

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

• REMOTE Tax JOB
• Teachers.BookkeeperJohn.com, CPA PhD
• JinuAcademy.com
• – RM PA A1 GE A2 PC CA
• – STEM
• – SAT, ACT, AP Exam, {JEE Prep.}, 회계/세법 교육

.

(9) ~2055: MST MAcc

• Social Work BA MSW
• {350 250} 85 {8,000 .. 60万} 毎年 유지 달성

• Roth IRA (2025~55)
• Roth Solo 401(k) (2026~55)

(3) REMOTE Tax JOB hunting while ..

(6) Accounting PhD, Taxation, {wsu.edu} 응시

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

(3)(6) (6) +”44年” (6)(6) (7) +”19年” – (8)(8)(9)

• BBA, EA QBO CPA M.Ed MST MAcc MSW PhD
• – Teachers.BookerkeeperJohn.com
• ..
• 06:20AM GREEN to “North Pole High” from McDonald’s

.

.

目標: “$100M” in CDs; .. Denali Center (SPIA “$4M”)

.

THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

Teachers.BookkeeperJohn.com

• 85 {8,000 .. 60万} 毎年 유지 달성

(9) 2037~ (9)(3)(6) (6)(6)(6) (7) (8)(8)(9)

• BBA, EA QBO CPA M.Ed MST MAcc MSW
• – CPA MST MAcc 後 (91歳)、”REMOTE TAX JOB” or {wsu.edu}
• – work experience 後、{wsu.edu}
• IFF。。
• – (7) SDSU UCSD, (8) SDSU UCI, (8) CSULB CGU, (9) UCLA

• 307 W 5th Ave >> 2793 W 3rd Ave, Frank Lloyd Wright BUILD
• 毎月”{$4,000}” 中、毎日 生活 :
• – McDonald’s {Safeway}
• – North Pole Branch Library
• Medicare Plan G : Fairbanks Memorial Hospital
• SPIA “$4M” : Denali Center
• {350 250} 85 {8,000 .. 60万} 毎年 유지
• 毎9年 “$10M – 8.000” ~ “$100M – 60万” 유지 달성
• – (9) ~2037, (9) ~2046, (9) ~2055 : {350 250} 달성

>>

• 6:20AM GREEN to North Pole High from McDonald’s

.

Social Work BA, UAF / MSW, UAA

• MST MAcc

(9) 2037~

• Mathematics MS, UAF (stipend)
• Statistics MS, UAF (stipend)
• – Physics BS, UAF
• Biological Sciences BS, UAF (Sr. Tuition Waiver) (eCampus)
• M.Ed Credential, UAF (Sr. Tuition Waiver) (eCampus)
• – INTERNSHIPS
• Paralegal Studies AAS, UAF (Sr. Tuition Waiver) (eCampus)

(3) REMOTE Tax JOB

(6) MSED, SDSU UCSD

—

(6)(6)(6) REMOTE Tax JOB

(7) Accounting PhD, Taxation, {wsu.ecu}

Teachers.BookkeeperJohn.com

• THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

—

(8)(8)(9) SoCal stipend 生活

• (8) SDSU UCI, (8) CSULB CGU, (9) UCLA

—

6:20AM GREEN to “North Pole High” from McDonald’s

—

Denali Center、SPIA “$4M”

.

“은퇴” : Fairbanks, AK 家 (2034 06~ )

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

Teachers.BookerkeeperJohn.com

目標: “$100M” CDs & SPIA “$4M”

• Fairbanks Memorial Hospital
• – Medicare Plan G
• Denali Center
• – SPIA “$4M”

• Roth IRA (2025~55) >> SPIA
• Roth Solo 401(k) (2026~55) >> SPIA

Math / Accounting, CalStateLA (AB 540-TA)

• CA JC, SMC (online)
• 윌셔 공인회계사 사무실 교섭
• – Metrolink Metro

MAcc (Taxation), UIdaho (WRGP)

• UAF (Sr. Tuition Waiver)

REMOTE Tax JOB

>> Accounting PhD, WSU – “심기일전”

• Hoops Institute of Taxation Research & Policy

.

Math / Accounting, CalStateLA (dorm)

• 윌셔 공인회계사 사무실 교섭
• smc (online)
• – metro free pass

gonzaga.edu

uidaho.edu

wsu.edu

—

Coeur d’Alene, ID

Glacier National Park, MT

目標: “$100M” CDs、毎年”$3.5M” perpetual

• Fairbanks Memorial Hospital
• – Medicare Plan G
• SPIA “$4M” – 2046~
• – Denali Center

“은퇴” 生活: Fairbanks, AK 家 & SPIA “$20万”

• 2034 06~ 소셜 시큐리티 70歳 수령

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM (6) PhD

• Fairbanks, AK 家
• – mortgage fully paid off
• – no property tax
• – commute to UAF
• —
• (7) Linguistic Anthropology BA MA PhD, UAF
• (6) – (Applied) Linguistics BA MA, UAF
• – Communication BA MA, UAF
• (6) – English BA, UAS / MA MFA, UAF
• —
• – Spanish Portuguese Hindi Urdu
• —
• STEM MSs, UAF
• – Class Q, Rasmuson

IFF。。(7) “심기일전” : Accounting PhD, {wsu.edu}

• THESIS: “The Effect of Tax Planning on Retirement Wealth Accumulation Among Public School Teachers.“

• (6) REMOTE Tax JOB
• – IRS.gov
• – ChatGPT
• (6) MST MAcc (online)
• MAcc (Taxation), UIdaho (WRGP)
• —
• (6) CalStateLA (AB 540 – “봄학기” / dorm)
• – Math / Accounting
• – CA JC (AB 540 / online)
• – 윌셔 공인회계사 사무실 교섭
• —
• Teachers.BookerkeeperJohn.com

Statistics PhD

Electrical Engineering PhD

Physics PhD

—

2034 35 36 37 (“봄학기”)

• CalStateLA (AB 540-TA @dorm)
• 윌셔 공인회계사 사무실 교섭

—

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM

—

MSED, SDSU UCSD

— IFF 。。

(6)(6)(7) Computational Science PhDs

—

Electrical Engineering MS, Stanford

• Electrical Engineering BS, UAF
• Computational Physics MS, UAF
• Mathematics/Electrical Engineering, CalState{LA}
• Statistics PhD, UCI

—

EE PhD, UCSD / Physics PhD, UCSB

—

.

2031 : Athene “$10万” 적립

• 2030 SSDI Trial Work 後、
• – w/o SSDI, w/ Housing Voucher (2030~2034 06)
• 확보 生活:
• McDonald’s {Safeway}
• North Pole Branch Library

2055 : “FINANCIAL FREEDOM”

2070

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

IFF 。。{350 250} 85 {8,000 … 60万} 毎年 유지

(6)(6)(7) Computational Science PhDs

“125歳” – 人生 始まり。”~everyone gone 。。”

毎年”$3.5M” perpetual funding、

• AK S Corp., dba MONOMEGA
• – w/o CA State Income Tax

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서

아무도 만나지 않는다。BESIDE、

Electrical Engineering … MS, Stanford

• Electrical Engineering BS, UAF
• Computational Physics MS, UAF
• Mathematics / Electrical Engineering, CalState{LA}
• Statistics PhD, UCI

Electrical Engineering PhD, UCSD

• Physics PhD, UCSB

MONOMEGA: “Independent Computational Electrical Engineering Research”

• Outsourcing to India, 毎年”$3.5M” perpetual funded
• Patent Lawyer

.

till 毎年”$3.5M” perpetual funded、

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서

아무도 만나지 않는다。BESIDE、

..

44年:

• BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD
• (Computational) Physics BS MS, UAF
• Biological Sciences BS, UAF

19年:

• SDSU UCI / CSULB CGU / UCLA
• {350 250} 85 {8,000 .. 60万} 毎年 유지

“125歳” – 人生 始まり。”~everyone gone 。。”

—

Electrical Engineering BS, UAF

• CalState
• – Mathematics
• – Electrical Engineering

Electrical Engineering MS, Stanford

— 毎年”$3.5M” perpetual funding、

Statistics / Physics / Electrical Engineering PhDs

• UCI UCSB UCSD
• >> “{$1B}” 축적

.

.

UCSD UCI CGU UCLA UCSB:

“63年後”、>> Electrical Engineering MS, Stanford

毎年”$3.5M” perpetual funding、

• FROM “$100M” 확보 TO “{$1B}” 도약

.

UPDATE: Geophysics >> Accounting PhD >> Electrical Engineering PhD, {UCSD}

Physics BS, UAF

Mathematics / Electrical Engineering, CalState

Computational Physics MS, UAF

Electrical Engineering BS, UAF

Electrical Engineering MS, {Stanford}

Statistics PhD, UCSB >> Physics PhD, UCSB

>> Electrical Engineering PhD, {UCSD}

Accounting / Taxation, CPA JD PhD

Computational Science based Mathematics & STEM

• JinuAcademy.com

English proficiency:

• LATimes
• Asking Eric

Spanish

• Spanish MA, CalStateLA

—

Liberal Arts (UA Sr.Tuition Waiver & AB 540)

.

307 W 5th Ave {#10} 生活 확보

• McDonald’s {Safeway}
• North Pole Branch Library
• 目標: {Teachers}.BookerkeeperJohn.com
• – Accounting PhD, CPA MSW JD
• – 全美国 {韓人} 공인회계사 네트워크
• – {Mexican}1.5Generations.US

.

Roth IRA (2025~ )

Roth Solo 401(k) (2026~ )

2029 06~ Medicare Plan G

• Paralegal Studies AAS, UAF (Sr.Tuition Waiver)
• M.Ed Credential, UAF (Sr.Tuition Waiver)

2030 – SSDI Trial Work

• Raise “Roth IRA” & “Solo 401(k)” annual contribution
• SSDI 後、w/o SSDI, w/ Housing Voucher

2034 06~ 소셜 시큐리티 수령 始まり。

• CalStateLA (“봄학기”) (2034~37)
• 윌셔 공인회계사 사무실 교섭

2037 : SPIA “$30万”

• 350 250 달성
• Cutler & “307 W 5th Ave” 확보

(9) ~2046 : Athene “$10万” (2031~46)

• {350 250} 毎9年”{$2M}” 유지 달성

(9) ~2055 : MST MAcc / BA MSW

• Roth IRA & Solo 401(k) >> SPIA
• 2793 W 3rd Ave, Frank Lloyd Wright BUILD

(9) ~2064 : JD (3 + 3) LLM

(6) ~2070 : MSED, SDSU UCSD

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

—

IFF 。。”그 동안의 취미 生活, stipend로 결실”、

(6)(6)(7) STEM, UAF

• SDSU UCI, CSULB CGU, UCLA

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서

아무도 만나지 않는다, BESIDE 。。。

Accounting PhD, {utexas.edu} 後、

• Cutler, UAF 生活 (Sr.Tuition Waiver)

.

.

(9) ~2037 : 350 250

(9) ~2046 : {350 250} 85 = 毎9年”{$2M}”

(9) ~2055 : {350 250} 85 {8,000} >> “$10M”

(9) ~2064

—

(6) ~2070 : 60万 × 月$2.99 × 毎9年 = “$100M” CDs

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

IFF。。

(6)(6)(7): Computational Science PhDs

• SDSU UCI, CSULB CGU, UCLA

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살며

아무도 만나지 않는다… BESIDE、

Accounting PhD, CPA MSW JD

• CalState, Mathematics (dorm – AB 540)
• CA JC, Accounting (online)

STEM MSs, UAF

• AP Exam, {JEE Prep.}, {Praxis}

• (Computational) Physics BS MS
• Biological Sciences BS MS
• Chemistry MS

.

Mathematics MS (stipend)

Statistics MS (stipend)

Physics BS

Biological Sciences BS (eCampus)

Computational Physics MS

Biological Sciences MS

Chemistry MS

Teachers.BookerkeeperJohn.com

• M.Ed Credential
• MSED, SDSU UCSD

Computational Science PhDs、… UCI CGU

.. Computational Applied Mathematics PhD, UCLA

Statistics PhD, UCSB

• Computational Physics, UCSB

.

“취미 生活” – “CS” through “Computational Science”

• SDSU UCI, CSULB CGU, UCLA (stipend)
• Geophysics PhD >> Accounting PhD, {Teachers.Book..}

.

2070~ “Teachers.BookkeeperJohn.com”

• 6万 × 月$30 × 毎9年 = “$100M” CDs
• RM PA A1 GE A2 PC CA
• SAT, ACT, AP Exam, {JEE Prep.}, {Praxis}, 회계/세법 교육

60万 × 月$2.99 × 毎9年 = “$100M” CDs

• Accounting PhD, {utexas.edu}
• Accounting {Math Art Spanish}, CA JC / CalState (AB 540)
• – AK Allowable Absences

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM MSED, PhD / {SoCal} / Accounting PhD

.

Mathematics and Science Education Doctoral Program (MSED):

The Mathematics and Science Education Doctoral Program (MSED) is administered jointly by the University of California, San Diego (UCSD) and San Diego State University (SDSU). 

.

eAssets:

• {350 250}、毎9年”{$2M}” 확보
• – 1004site.com
• – {Teachers}.BookkeeperJohn.com
• – MyCPAMyTAX.com
• – {Mexican}1.5Generations.US

• 毎月”60万” subscribers
• – Shopify starter, pdf products
• — Manim YouTube (ChatGPT)
• — Google Forms
• – Brevo sequential email

.

SPIA “$30万” : Cutler & {307 W 5th Ave} 확보、

.

毎年”{$3.5M}” perpetual funding、

• McDonald’s {Safeway}
• North Pole Branch Library

.

.

STEM Education

• MSED, SDSU UCSD
• – Mathematics MS << CalStateLA (2034~37)
• – Statistics MS
• – Physics BS
• – Biological Sciences BS (eCampus)
• – M.Ed Credential << Sr. Tuition Waiver (2029~ )

Accounting/Taxation

• BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM
• {Teachers}.BookkeeperJohn.com

.

.

IFF。。。취미 生活 해 오다가 。。。

Computational Science PhDs

• SDSU UCI, CSULB CGU, UCLA

Computational Geophysics, Geological Engineer >> Accounting PhD

• Oceanography PhD, UAF
• Computational Physics MS, UAF
• Geophysics PhD, UAF
• —
• Statistics PhD, UCSB (stipend)
• Geography PhD, UCSB (stipend)
• —
• 5generations.us
• << {AK} {Northern Canada} Greenland Mongolia Siberia

毎年”$3.5M” perpetual funding、

Cutler << >> {307 W 5th Ave}

• SPIA “$30万” – “perpetual” 확보, Cutler & 307 W 5th Ave {#10}
• BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM

(6) SDSU UCSD, (6) SDSU UCI, (6) CSULB CGU, (7) UCLA

• MSED / Computational Science PhDs

(8)(8)(9) Geological Engineering BS MS

• Sr. Tuition Waiver & Cutler

Statistics Geography PhDs, UCSB

Sr. Tuition Waiver & stipend, UAF

Cutler (春秋) & {307 W 5th Ave #10} North Pole, AK 99705

• Circle K
• —
• McDonald’s {Safeway}
• North Pole Branch Library
• North Pole Dental Workshop

—

2029 06 : Medicare Plan G

• Paralegal Studies AAS (Sr. Tuition Waiver)
• M.Ed Credential (Sr. Tuition Waiver)

2030 : SSDI Trial Work

2031 06 : Athene “$10万” (2031~46)

2034 06 : 소셜 시큐리티 수령

2037 08 : SPIA “$30万,” LODGINGs 확보

• 307 W 5th Ave, unfurnished
• – McDonald’s {Safeway}
• – North Pole Branch Library
• – North Pole Dental Workshop
• Cutler – Patty Ctr. – Dine 49 – Rasmuson

(9) (9)(9) (6) / IFF 。。(6)(6)(7) (8)(8)(9) UAF UCSB

• Computational Geophysics, Geological Engineer

週中、Cutler, UAF

週末、North Pole, AK

夏冬、North Pole, AK

>> 2055~

2793 W 3rd Ave, Frank Lloyd Wright BUILD

.

Computational Geophysics as MONOMEGA, strictly

• {AK} {Northern Canada} Greenland Mongolia Siberia

.

UAF Sr. Tuition Waiver

• Cutler – Patty Ctr. – Dine 49 – Rasmuson
• {307 W 5th Ave} North Pole, AK 99705
• – 주말 / 방학 LODGING

• Paralegal Studies AAS (eCampus)
• Mathematics MS (stipend)
• Statistics MS (stipend)
• – M.Ed Credential
• – Physics BS
• Biological Sciences BS (eCampus)
• Social Work BA (eCampus)
• JD (3 + 3)

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

(6) MSED / (6)(6)(7) Computational Science PhDs:

• (8):
• Fisheries & Marine Sciences BS (eCampus)
• Oceanography PhD (stipend)
• (8):
• Arctic & Northern Studies MA (eCampus)
• Computational Physics MS (stipend)
• (9):
• Geoscience BS
• Geophysics PhD (stipend)
• — “150歳”
• Geological Engineering BS MS

.

UCSB, Statistics Geography PhDs

• AB 540 – AK Allowable Absences
• 5generations.us “{500}” subscribers

.

BBA, EA QBO CPA AAS M.Ed

CalStateLA (“봄학기” – 2034~37)

(9):

• Mathematics MS (stipend)
• Statistics MS (stipend)
• – Physics BS
• Biological Sciences BS (eCampus)

(9) Social Work BA MSW (eCampus)

• MST MAcc (eCampus)

—

(9) JD (3 + 3) LLM (6) PhD, MSED

— IFF 。。

.

(9) Social Work BA MSW

• MST MAcc

(9) JD (3 + 3) LLM

(6) MESD, SDSU UCSD

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

— “취미 生活 결실”

(6)(6)(7)

—

(8)(8)(9) : ~”150歳”

UAF, Geological Engineering BS MS

UCSB, Geography Statistics PhDs

.

.

毎月+2개 사이트 제작 中、

{250}.MyCPAMyTAX.com

JinuAcademy.com – “85”

2037~ (9) “은퇴 준비 완료” (9)(9) (6)

• BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD
• {8,000 .. 60万} 毎年 유지

.

IFF 。。

(6)(6)(7), SoCal / (8)(8)(9), UAF

• Computational Geophysicist

—

UCSB, Geography Statistics PhDs

Geological Engineering BS MS, UAF

.

2030 SSDI Trial Work 後、

• w/o SSDI
• w/ Housing Voucher

~2034 06

• ABLENow 저축액

2034 06~

• 소셜 시큐리티 70歳 수령
• 307 W 5th Ave – “perpetual” 확보
• 2034~2037
• – CalStateLA (“봄학기”)
• – 윌셔 공인회계사 교섭

2046

• Athene “$10万” (2031~46)
• —
• BBA, EA QBO CPA AAS M.Ed
• — Cutler – Patty Ctr. – Dine 49 – Rasmuson
• Mathematics MS, UAF (stipend)
• Statistics MS, UAF (stipend)
• – Physics BS, UAF
• Biological Sciences BS, UAF (eCampus)

as BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM (6) PhD

• SAT, ACT, AP Exam, {JEE Prep.}, 회계/세법 교육

5Generations.US – “500名” subscribers

• Computational Science PhDs
• – (6) SDSU UCI / (6) CSULB CGU / (7) UCLA

• (8) Oceanography PhD, UAF
• – Fisheries & Marine Sciences BS, UAF (eCampus)

• (8) Computational Physics MS, UAF
• – Arctic & Northern Studies MA, UAF (eCampus)

• (9) Geophysics PhD, UAF
• – Geoscience BS, UAF

— “150歳”

• Geography & Statistics PhDs, UCSB

• Geological Engineering BS MS, UAF

BBA, EA QBO CPA AAS M.Ed

• 350 250 유지 달성 ( ~Summer 2037)
• CalStateLA (“봄학기”)
• – Spring 2034~Spring 2037
• – 윌셔 공인회계사 사무실 교섭

Paralegal Studies AAS, UAF eCampus

• 1 course (3 unit) / semester
• next semester, Cutler move in ready
• – starting Fall 2027

Fall 2029~Spring 2037

• Paralegal Studies AAS (Sr. Tuition Waiver)
• M.Ed Credential (Sr. Tuition Waiver)

(9) (9)(9) (6)

• BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

(6)(6)(7) (8)(8)(9) UCSB UAF

• Geological Engineer
• – Computational Geophysicist
• —- Radiology applied to Geophysics

毎年”$3.5M” perpetual funding、

{AK} {Northern Canada} Greenland Mongolia Siberia

目標: “$100M” CDs & “financial freedom”

2029 34 37 46 55 {350 250} 85 {8,000} .. 60万 毎年

307 W 5th Ave {#10} North Pole, AK 99705 확보

• 천하무적 – “JINU”、완전무장 @Fairbanks, AK
• McDonald’s {Safeway}
• North Pole Branch Library

Cutler – Patty Ctr. – Dine 49 – Rasmuson

Mathematics MS (stipend)

Statistics MS (stipend)

M.Ed Credential

Physics BS

Biological Sciences BS (eCampus)

Social Work BA (eCampus)

MSW, UAA (eCampus)

—

JD (3 + 3)

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM

—

(6) (6)(6)(7):

• (6) MSED, SDSU UCSD
• Computational Science PhDs
• – (6) SDSU UCI, (6) CSULB CGU, (7) UCLA

—

(8):

Fisheries & Marine Sciences BS (eCampus)

Oceanography PhD

—

(8):

Arctic & Northern Studies MA (eCampus)

Computational Physics MS

—

(9): ~150歳

Geoscience BS

Geophysics PhD

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서、

아무도 만나지 않는다、BESIDE 。。。

—

Geography Statistics PhDs, UCSB

—

Geological Engineering BS MS

500 << {5,000} << {350 250} & 毎月”60万”

Santa Barbara, CA (12月~05月)

• AB 540 – AK Allowable Absences
• {AK} {Northern Canada} Greenland Mongolia Siberia

~2030

• 저축 (2026 27 28 29 30)
• SSDI Trial Work

2030 09~2034 06

• w/o SSDI
• w/ Housing Voucher

2034 06~

• 소셜 시큐리티 수령
• 307 W 5th Ave – “perpetual” 확보

(9) (9)(9) (6)

(6)(6)(7) (8)(8)(9) UCSB UAF

+44 [~2070 – (9) (9)(9) (6)]

• BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD
• SAT, ACT, AP Exam, {JEE Prep.}, 회계/세법 교육

+44 [~2114 – (6)(6)(7) (8)(8)(9)]

• Computational Geophysics

UCSB, Geography Statistics PhDs

Geological Engineering BS MS, UAF

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD 後、

• {350 250} 毎9年 {$2M} 유지 生活

(6)(6)(7) Computational Science PhDs 中、

“60万名” × 月$2.99 × 9年 = “$100M” CDs、

• 2070~2114 (44年 ~毎9年 × 5번)

가장 공부 많이 하고, {가장} 돈 많고, 가장 오래 삶。

아무도 만나지 않는다、BESIDE 。。

천하무적 – “JINU”、완전무장 @Fairbanks, AK

Computational Geophysics R&D

CalStateLA >> UAF

• Numerical Analysis, CalStateLA
• Mathematics MS
• Statistics MS
• Physics BS
• Biological Sciences BS (eCampus)

MSED, SDSU UCSD

• BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD
• North Pole Branch Library, “ILLiad”

New Teeth & Age Reversal

IFF 。。

—

(6) SDSU UCI

• Computational Science PhD

(6) CSULB CGU

• Engineering and Computational Mathematics PhD

(7) UCLA

• Computational Applied Mathematics PhD

UAF

• (8) Oceanography PhD
• – Fisheries & Marine Sciences BS (eCampus)
• (8) Computational Physics MS
• Arctic & Northern Studies MA (eCampus)
• (9) Geophysics PhD
• – Geoscience BS

>> “150歳”

.. 가장 공부 많이 하고, 가장 돈 많고, 가장 오래 살면서, 아무도 만나지 않는다。BESIDE 。。

UCSB

• Geography Statistics PhDs

UAF

• Geological Engineering BS MS

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

• BookkeeperJohn.com
• SAT, ACT, AP Exam, {JEE Prep.}, 회계/세법 교육
• {350 250} 毎9年、{$2M}
• {350 250} 85 {8,000 .. 60万} 毎年 유지

毎年”$3.5M” funding、

Geophysical Research SITE、{月$50}、“500名” 유치

• Santa Barbara, CA (12月~05月)
• – AB 540 / AK Allowable Absences

• 연변 TM, 한국일보 업소록, MagicJack

毎9年”$2M” 유지 ASAP 달성

—

~2064 (6)

• BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD
• SAT, ACT, AP Exam, {JEE Prep.}, 회계/세법 교육

IFF {350 250} 85 {8,000 .. 60万} 毎年 유지

(6)(6)(7) Computational Science PhDs

(8)(8)(9) Cutler – Patty Ctr. – Dine 49 – Rasmuson

UCSB, Geography Statistics PhDs

Geological Engineering BS MS, UAF

毎年”$3.5M” funding、

~2070 (“106歳”)

• {350 250} 85 {8,000} “9年” 유지 by 2055
• Mathematics Physics Biology Chemistry 섭렵

• Applied Mathematics BA, UC Berkeley
• Mathematics MS, UAF (stipend)
• Statistics MS, UAF (stipend)
• M.Ed Credential, UAF (Sr. Tuition Waiver)
• Physics BS, UAF (Sr. Tuition Waiver)
• Biological Sciences BS, UAF (Sr. Tuition Waiver)

• SAT, ACT, AP Exam, {JEE Prep.}
• BookkeeperJohn.com

.

IFF {350 250} 85 {8,000 .. 60万} 毎年 유지 by 2064、

(6)(6)(7), Computational Science PhDs

(8)(8)(9), Cutler – Patty Ctr. – Dine 49 – Rasmuson

UCSB, Geography Statistics PhDs

• Computational Physics, UCSB

Geological Engineering BS MS, UAF (Sr. Tuition Waiver)

毎年”$3.5M” funding、

.

.. 아무도 만나지 않는다 ..

~2055 (“91歳”) >> JD (3 + 3) LLM

{350 250} 달성、”毎9年” 유지

85 {8,000 .. 60万} 毎年 유지、60万 “9年” 유지 달성

(9) / (6)

• BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

(6)(6)(7) Computational Science PhDs

(8)(8)(9), Cutler – Patty Ctr. – Dine 49 – Rasmuson

UCSB, Geography Statistics PhDs

• Computational Physics

Geological Engineering BS MS, UAF

毎年”$3.5M” funding、

2026 07 01 – “立志”

• 지선 지원 지연 大学 卒業

2028 – 毎月”$4,000″ 확보

2029 06 – Medicare Plan G / UAF Sr. Tuition Waiver

2031 – Athene “$10万”

2034 06 – 소셜 시큐리티 수령

2037 – SPIA “$20万”

(9) ~2046 – Athene 수령

(9)(9) (6)

~2055 64 70 – Roth IRA (2025~ ) >> SPIA

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

• SAT, ACT, AP Exam, {JEE Prep.}, 회계/세법 교육

(6)(6)(7) Computational Science PhDs

(8)(8)(9)

• Cutler – Patty Ctr. – Dine 49 – Rasmuson

UCSB

UAF

• Cutler – Patty Ctr. – Dine 49 – Rasmuson

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM

{350 250} 85 {8,000 .. 60万} 毎年 유지 달성

• 2029 06~
• 2030
• 2034 06~
• 2037
• 2046
• 2055

(6) (6)(6)(7) (8)(8)(9)

UCSB、(Computational) Physics

Geological Engineering BS MS, UAF

毎年”$3.5M” perpetual funding、

.

천천히 月$4,000 유지 달성 後、

月$4,000 >> {350 250} 85 毎年 달성 및 유지

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

全世界、{8,000 .. 60万} 毎9年

>> “$100M” CDs

—

(6)(6)(7) (8)(8)(9) UCSB

Geological Engineering BS MS, UAF

.

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 삶。

• HOUSING VOUCHER ( ~2034 06)
• Medicare Plan G (2029 06~ )
• 2030 : SSDI Trial Work
• – 2031~2034 06 : w/o SSDI, w/ Housing Voucher
• 소셜 시큐리티 70歳 수령 (2034 06~ )
• SPIA “$20万” (2037~ )
• Athene “$10万” (2031~46)
• Roth IRA (2025~55) >> SPIA

毎月$4,000 >> {350 250} 85 >> {8,000 .. 60万} 毎年 유지

Physics, 毎年”$3.5M” funding、

• 2034 35 36 37 (01月~05月) CalStateLA
• – 윌셔 공인회계사 사무실 교섭
• BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD
• >> SDSU, UCSD UCI CSULB, CGU UCLA UAF UCSB UAF

目標: “$100M” CDs、毎年”$3.5M” perpetual

{AK} {Northern Canada} Greenland Mongolia Siberia

{350 250} 中、

85 {8,000 .. 60万} 毎年 유지

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

• SAT, ACT, AP Exam, {JEE Prep.}, 회계/세법 교육

—

(6)(6)(7) (8)(8)(9) SDSU UCSB

Geological Engineering BS MS, UAF

毎年”$3.5M” funding、

.

“천하무적”、JINU – 완전무장 @Fairbanks, AK

.

~2034 06 Housing Voucher

2034 06~ 소셜 시큐리티

2037 SPIA “$20万”

2046 Athene “$10万” (2031~46)

2055 Roth IRA (2025~55) >> SPIA

>> 2793 W 3rd Ave, Frank Lloyd Wright BUILD

2070 (지선 70, 지원 69, 지연 67)

BBA, EA QBO CPA MST MAcc MSW JD LLM PhD

• SAT, ACT, AP Exam, {JEE Prep.}, 회계/세법 교육

.

—

(6)(6)(7) (8)(8)(9) UCSB

Geological Engineering BS MS, UAF

.

26 27 28 29 30 31 32 33 ~34 06 (앞으로 8年)

.

~2027 12 : renewal, Housing Voucher

2030 : SSDI Trial Work

~2034 06 : keep Housing Voucher

2034 06~ 소셜 시큐리티 70歳 수령

(9) (9)(9) (6)

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

—

(6)(6)(7) (8)(8)(9) .. UCSB

Geological Engineering BS MS, UAF

—

.

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

• SAT, ACT, AP Exam, {JEE Prep.}, 회계/세법 교육

지선 70, 지원 69, 지연 67

{350 250} 85 {8K .. 60万} 毎年 유지

Oceanography PhD, UAF

• Fisheries & Marine Sciences BS, UAF (eCampus)

Computational Physics MS, UAF

• Physics BS, UAF
• Arctic & Northern Studies MA, UAF (eCampus)

Computational Science PhD, SDSU UCI

Computational Applied Mathematics PhD, UCLA

Engineering & Computational Mathematics PhD, CSULB CGU

Geophysics PhD, UAF

• Geoscience BS, UAF

Geography Statistics PhDs, UCSB

.

月$4,000、307 W 5th Ave {#10} North Pole, AK 99705 平和로운 生活

• McDonald’s {Safeway}
• North Pole Branch Library
• North Pole Dental Workshop
• Alaska Behavioral Health
• Fairbanks Memorial Hospital (Medicare Plan G)
• Cutler – Patty Ctr. – Dine 49 – Rasmuson
• CalStateLA – CSULB – CSUSB – SDSU (01月~05月)

2070年 前後、

前:

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

• SAT, ACT, AP Exam, {JEE Prep.}

後:

IFF 350 250 85 {8,000} 毎年 유지、

(6)(6)(7) (8)(8)(9) Santa Barbara, CA

• Computational Physics, UCSB
• AB 540 – AK Allowable Absences

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 삶。

Computational Physics, UCSB

• (8) Oceanography PhD, UAF
• (8) Computational Physics MS, UAF
• (9) Geophysics PhD, UAF
• —
• Geography PhD, SDSU UCSB
• Statistics PhD, UCSB

• AB 540
• AK Allowable Absences

• (6) Computational Science PhD, SDSU UCI
• (6) Engineering & Computational Mathematics PhD, CSULB CGU
• (7) Computational Applied Mathematics PhD, UCLA

62年 살았고、”앞으로 62年” 더 살고 + 1年

(9) (9)(9) / (6)

• SAT, ACT, AP Exam, {JEE Prep.}
• BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM PhD

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 삶。

(6)(6)(7) Computational Science PhDs

• SDSU UCI CSULB CGU UCLA

—

(8)(8)(9)

• Cutler – Patty Ctr. – Dine 49 – Rasmuson
• Computational Science into Geophysics

SDSU UCSB (AK 추위 피해 {UCSB} 生活)

• Computational Science into (Geo)Physics
• Geography PhD, SDSU UCSB
• Statistics PhD, UCSB

~2037 “은퇴”

(9) (9)(9) (6) CPA JD MSED, SDSU UCSD

• SAT, ACT, AP Exam, {JEE Prep.}

— IFF

(6)(6)(7) Computational Science PhDs

—

가장 공부 많이 하고, 가장 돈 많고, 가장 오래 사는

CPA M.Ed MSW JD PhDs, John1.5Generation.US

—

(8)(8)(9) SDSU UCSB

Computational Science into (Geo)Physics

—

“$100M” CDs (毎年”$3.5M) 中、”学業 生活”

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM

CGU

• Engineering & Computational Mathematics PhD, CSULB CGU

UCLA

• Computational Applied Mathematics PhD

UCSB

• Math PhD >> Physics PhD, UCSB

UCSD

• MSED, SDSU UCSD

UCI

• Computational Science PhD, SDSU UCI

UCR

• Physics PhD, UCR

—

Part 3:

1. 2026 06 05

2.

3. 2026 06 02

4.

5.

6. 2026 06 04

7. 2026 06 03

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM

(8)(8)(9):

(6) Mathematics and Science Education (MSED) PhD, SDSU UCSD

(6) Computational Science PhD, SDSU UCI

(6) Engineering & Computational Mathematics PhD, CSULB CGU

(7) Computational Applied Mathematics (CAM), UCLA

—

125歳: 지선 89, 지원 88, 지연 86

(8)(8)(9) UAF (Sr.Tuition Waiver):

.

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM

STEM Education PhD, SDSU UCSD funding、

• 毎年”$3.5M” perpetual

.

Geophysical Institute, UAF

• Computational Science PhDs, UCI CGU UCLA 後、
• —
• Oceanography PhD, UAF
• Computational Physics MS, UAF
• – M.A. in Arctic and Northern Studies (ACNS), UAF
• Geophysics PhD, UAF

.

.

.

Montana UCLA UMich USU

• Applied Mathematics PhD, UMich
• – Demography Migration PhD, USU

.

.

ocw.mit.edu

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM

Applied Mathematics BA, UC Berkeley

Mathematics MS, UAF

Statistics MS, UAF

M.Ed Credential, UAF

Biological Sciences BS, UAF

Oceanography PhD, UAF

(Computational) Physics BS MS, UAF

Geophysics PhD, UAF

Mathematics Education PhD, Montana

• Manim YouTube (ChatGPT)
• Shopify starter
• Brevo sequential email
• Google Forms

Applied Mathematics PhD, UMich

Sociology MA, UCLA UMich / Applied Mathematics PhD, UMich / Demography PhD, USU

Sociology MA, UCLA >> Sociology MA, UMich >> Applied Mathematics PhD, UMich

>> Demography PhD, USU

>> Accounting Demography Migration

<< Oceanography, Arctic / Geophysics, Siberia

• Linguistic Anthropology PhD, UAF

.

.

Applied Mathematics PhD, UMich

• Geophysics PhD, UAF
• Demography PhD, USU
• – BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM

.

.

全世界.JinuAcademy.com、각국 “毎9年” 재침투

• McDonald’s {Safeway}
• North Pole Branch Library

350 250 85 {8,000 .. 60万} 毎年 유지

• BookkeeperJohn.com
• 目標: “$100M” CDs

BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM

{Barstow} CalStateLA CGU CSUSB UCLA (AB 540)

2793 W 3rd Ave, Frank Lloyd Wright

• Roth IRA (2025~55) >> SPIA
• Immigration Law Firm
• REMOTE {Jiseon, JD}

• Applied Mathematics BA, UC Berkeley
• (9) (9)(9):
• Mathematics MS, UAF
• Statistics MS, UAF
• M.Ed Credential, UAF
• Biological Sciences BS, UAF >> JEE Prep.
• — BBA, EA QBO CPA M.Ed MST MAcc MSW JD LLM
• (8) Oceanography PhD, UAF
• (8) Social Sciences, LTCC USD UND UAF
• (9) Geophysics PhD, UAF
• —
• (8) Mathematics Education PhD, Montana
• (8) Applied Mathematics PhD, UMich
• – Sociology MA, UMich
• (9) Demography PhD, USU

.

BBA, EA QBO CPA MST MSW JD MAcc LLM PhD

• Fairbanks, AK 家 nearby Fairbanks Memorial Hospital
• – Medicare Plan G
• Regal Goldstream unlimited
• UAF Study Room (24 / 7)
• R&N Gym << Planet Fitness

• BookkeeperJohn.com
• – 全美国 旅行 ( >> Seattle >> Amtrak)
• – Barstow (AB 540-AK Allowable Absences)
• – demography, economic sociology

RN PMHNP

>>

• EA CPA Exams Pass
• Sociology BA, LTCC USD / MA, UND (online)
• Economics BA, UND (online)
• M.Ed Credential, UAF (Sr.Tuition Waiver)
• Spanish BA, LTCC OregonState (online)
• Graphic Design, Maestro.org

• CalStateLA

• BA MSW AAS MAcc LLM >> JD (3 + 3)(2055~64)

Psychology PhD

>>

• Accounting PhD

UAF Sr. Tuition Waiver

Biological Sciences BS, UAF (eCampus)

• Chemistry
• Physics
• >> JEE Prep.

Fisheries & Marine Sciences BS, UAF (eCampus)

Geosciences BS, UAF

(Computational) Physics BS MS, UAF

—

Oceanography MS PhD, UAF

Geophysics MS PhD, UAF

{SoCal} >> {AK} >> Canada Greenland >> Siberia

.

(9) (9)(9) (8)(8)(9) (8) (8)(9): “~150歳”

2037~ : 350 250 85 {8,000 .. 60万} 유지 生活 확보

{Barstow} CalStateLA CGU CSUSB UCLA

• 307 W 5th Ave >> 2793 W 3rd Ave
• UA(F) Sr. Tuition Waiver

BookkeeperJohn.com

Applied Mathematics PhD, UCLA UMich

Sociology MA, UMich UCLA

Demography PhD, USU

• Migration

.