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Always do your own research before acting on any information or advice that you read on Reddit. It depends on a lot of factors, but the big ones are: Income - Qualifying high earners are usually better off contributing to a traditional IRA, as this allows them to avoid paying their current high marginal tax rate. I'm a young person and want to invest aggressively - why invest in bonds at all? Higher income earners may not be able to participate in a Roth IRA. There are income limits for Roth IRAs, so if your income is above those limits, then it's a no-brainer: a traditional IRA is the only one for you. If no, park the 6k there. Plus you may not yet be sure if your 2020 income will meet the requirements for the 2020 contribution. Opening an IRA is generally very simple, requiring your tax identification information, personal identity information, and your bank account information for the electronic transfer of your initial contribution. Should I Stop Funding My Retirement Savings Because of COVID-19? Can I take money out of my Roth IRA without penalty? The Roth IRA allows workers to contribute to a tax-advantaged account, let the money grow tax-free and never pay taxes again on withdrawals. In my opinion, that depends. Happy new year! For example, you had until April 18, 2018 to make an IRA contribution for tax year 2017. Anybody who followed my advice since the post was first published during the Obama administration has been rewarded handsomely. The 2020 Roth IRA contribution limit is $6000, not the $5,500 as indicated in the article. Bonds provide a source of funds to purchase potentially higher-yielding investments when they can be had at discount prices during market downturns, reduce your portfolio's volatility, and usually offer a steady return themselves. Most financial planners naturally gravitate toward the Roth accounts, but I take a more nuanced view. Read the post linked above for additional methods. If you do not report earned income, you are not eligible to contribute to an IRA. I have $6k that I was wondering should I max contribute today? There are plenty of easy ways to get started without having a ton of money and without being the world’s foremost investment expert.. One way is to start with your 401(k) match, like we talked about above. And odds are that you haven't put in the maximum allowed yet. Rollovers do not count against annual contribution limit for your IRA. If you contribute around $458 a month, you will max out your IRA contribution over the year. 13. Those that believe they will be in a higher income tax bracket when they retire usually favor the Roth IRA. No. Cookies help us deliver our Services. Target date funds take the work out of asset allocation for you. The recession almost cut that $1,000 in half at its lowest and is now hovering around $750. Max 2019 then dump all into 2020. As an example, someone with two IRAs could contribute $4,000 to IRA A and $2,000 to IRA B (or any combination that adds up to $6,000). And most importantly: You should be proud of yourself for becoming debt free! What You Should Know About Nondeductible IRAs. It is one thing to say you're OK watching half of your investment portfolio evaporate in a few weeks. And if you’re over age 50, you can contribute $6,500. That said, there's no limit on the number of IRAs you can have that I am aware of. a contractor, fully self-employed, or someone who earns a side-income), think of a SEP IRA as a Traditional IRA … Private communication is not safe on Reddit. Does that mean I am unable to contribute for 2019? Do you have minimum 6 months of savings in a liquid account which you can rely on to pay all your monthly bills if you were unemployed (regardless of your current employment) and/or an emergency? You can use a Roth IRA as an emergency fund. The habit of paying monthly is a great habit to start and keep. 2020 is a strange year, to say the least. In most cases, you must open your own IRA. Once you do so you will not be able to replace previous years' contributions. Press J to jump to the feed. Should I pay off debt or contribute to my IRA? Which one do you choose? I do not report any earned income to the IRS because of the overseas earned income exclusion, my "income" is a tax-free scholarship, etc. With this tactic, you would contribute to a nondeductible traditional IRA, which doesn’t have an income limit for contributions, and then convert those funds into a Roth – income tax-free. There are no income limits on IRA conversions, so unless/until Congress changes the tax code the backdoor Roth is perfectly legal. Taxes and penalties may apply if you want to take out earnings. Setting up a Roth IRA ladder — This can work well if you can fund the first five years of your retirement from taxable accounts, pre-existing Roth IRA accounts, and perhaps part-time work. You can never have too many t-shirts. It sounds sketchy. I do agree you should have some sort of cushion if you do not, but I would still suggest maxing out your Roth for 2019 if you can manage. While some 401(k) plans offer options for loans, you cannot take out a loan against the principal of your IRA. On the technical side, there are numerous studies that show that 100% (or more) stock investors are not compensated in proportion to the extra risk they take on by doing so. 7. Should I contribute to my IRA and lock up my money until age 59½? As a follow-on to Your 401k and You: Basic Information, I would like to summarize some of the main things you need to know about Traditional and Roth Individual Retirement Accounts (IRAs).If you see something that isn't correct or have suggestions on other things to add, please let me know in the comments or by private message. You should always contribute to an employer 401(k) first, if one is available and your employer matches contributions. You’ll have until April 2021 for that one. For more information on rollovers, see the FAQ page on Rollovers. Saving for retirement is essential, and those with a workplace 401(k) have a convenient way to do it. Put in the full contribution for 2018, keep it in cash or short term bond fund. Thank you for these sources! But if your 401(k) has a match, you may miss out on it for the rest of the year. Balancing Act. Income tax rates have come down under the Trump administration. Here are some additional resources: Notes: It is almost never a good idea to make a non-deductible contribution to a traditional IRA without then doing a Roth conversion, as doing so would mean that your earnings would be taxed. They include US stocks, international stocks, and bonds. Do you have minimum 6 months of savings in a liquid account which you can rely on to pay all your monthly bills if you were unemployed (regardless of your current employment) and/or an emergency? Please. You can take out your Roth IRA contributions without penalty whenever you want. Is a Roth IRA right for you? I have put in only 2k in my Roth Ira in 2019. He recommended putting the remainder of your money in an IRA (or Roth) where you could trade stocks. Can I contribute the maximum allowed to both my 401(k) and my IRA?   If you can afford to max out your contribution, you might want to do so. You should always max out the previous year if possible (you will not be able to do so after April). A 25-year old's investments will be very different than a 55-year old's. Cramer’s advice was basically that 401ks suck and that you should only contribute to get the match. By using our Services or clicking I agree, you agree to our use of cookies. Otherwise you can pull out the principal tax-free. Being debt free is awesome, but without savings it can be easy to be right back in. A Roth IRA offers many benefits to retirement savers. The 401(k) and IRA contribution limits are separate and do not affect each other. Once you have contributed to your IRA, you are still left with the somewhat daunting decision of how to invest within your plan. Like a traditional individual retirement account, a Roth IRA gives you a tax break to save for retirement. If you max out your Roth IRA contributions, there … I want to retire early. Individual Retirement Account (IRA) Learn about the different types of IRAs, their tax advantages, and how to choose the right kind of retirement account for you. There is no reason to have an emergency fund before contributing to a Roth IRA. For single taxpayers, the ability to contribute … While stocks have outperformed bonds over the long run to date, "past performance is not indicative of future returns." However, because the traditional IRA is tax-deferred, the account increases in value by nearly $100,000 more. You should open an IRA with a company known for providing low expense ratio index funds such as Vanguard, Fidelity, or Charles Schwab. If you have more than about $50,000 invested, especially in multiple investment accounts, please keep reading! So should you open a Roth IRA right now? My income is too high to contribute to a Roth IRA, and I also am ineligible for the deduction to a traditional IRA. It means if you contribute the full $6,000 to a Roth IRA with one broker, you cannot make contributions to a second. And you don’t have to be rich either. The journey to retirement is a long one, and while someday sooner than later you should aspire to max out your 401(k) contributions, you should only do … 3. 5 Steps to Making the Backdoor Roth IRA Contribution Step 1 Contribute to Your Traditional IRA. 11. Anyone can contribute $5,500 to a Roth IRA if they meet certain income guidelines. Ignore any private messages or chat requests. For tax year 2019, you can contribute up to $6,000 ($7,000 if you’re over 50 years old) across any Roth or traditional IRAs you own. Here, please treat others with respect, stay on-topic, and avoid self-promotion. All else equal, if you think your income taxes will be higher now, then contribute to a traditional 401(k); otherwise contribute to a Roth 401(k). However, since you cannot put past year's contributions back in your Roth IRA unless you return the money within 30 days, strongly consider avoiding such a withdrawal. And I bet that nobody in the world ever wants to be old and poor. But the deadline isn’t until April 15, 2020 (April 10 for Ellevest clients), so you still have time to max out your contributions for 2019 if you haven’t yet. Also regarding when to fund your IRA, always remember time in the market is better timing the market AND if you are comparing lump-sum contribution and dollar cost average, lump-sum beats out dollar-cost average 2 out of 3 times. Make a $6,000 ($7,000 if over 50) non-deductible traditional IRA contribution for yourself, and one for your spouse. There's still time to benefit from 2020's IRA contribution limits. A Roth IRA is funded with money that’s already been taxed, so you’re not limited by the contributions you’ve made in other funds. It is entirely possible that by the time you reach retirement your tax bracket may be as high or higher than it is right now. Why or why not? https://personal.vanguard.com/pdf/ISGDCA.pdf, https://money.com/why-dollar-cost-averaging-is-a-lousy-retirement-investing-strategy/, Edit: forgot! Join our community, read the PF Wiki, and get on top of your finances! This is called front-loading. Since Roth IRA money can be withdrawn completely free from income taxes, it is a superior retirement plan to a traditional IRA. How do I open an IRA? Your guess about your future income tax rates - Those that believe they will be in a lower income tax bracket when they retire usually favor the traditional IRA if they qualify for the deduction. Your asset allocation is how you divide your money amongst the various asset classes and the various funds you've elected to invest in. Things that doesn’t decline numerically (but could decline because of inflation). “Most people think that putting extra money aside for retirement i… For example, if you withdrew $50,000 of contributions from your Roth IRA you would only be able to replace up to the current annual limit of $6,000. The HSA is now one of my top strategies for saving for retirement, and it should be a high priority for you too. The annual contribution limit is $6,000 in 2021 (or $7,000 for people who are 50 years or older), but be aware that if your income is high, you may not be allowed to contribute that much or anything at all (the IRS has an overview page on IRA contribution limits). Reason No. At the same time I was saving for the next year's IRA contribution, so I could max it out the first day of the year. Vanguard says that a lump sum investment is better than dollar cost averaging. In addition to non-taxable contributions to a Traditional IRA (TIRA) – discussed in a previous article – investors can contribute additional after-tax funds to their TIRAs, which can not be deducted from one’s federal tax liability.. You should absolutely be thinking about these things when choosing where to open your IRA, but the most important thing is that you just pick one and get started. Annual contributions are taxed upfront and all earnings are federal tax-free when they are distributed according to IRS rules.This is much different than a Traditional IRA, which taxes withdrawals.Contributions can be withdrawn any … 2. The amount you should contribute to a 401(k) depends on your plan, its investments and whether it matches contributions. You have until April to contribute to 2019, so put the 6k in as 2019 and then make extra contributions through the year as 2020. The only real risk is if you need some of the money and your investments have lost money. A 401(k) is a retirement savings account employees can contribute to with pre-tax funds. Remember that paying down debt offers something that only scammers can claim otherwise - guaranteed, risk free return! As a self-employed individual (i.e. I'm 28 now and want to start investing in it again. The HSA is a custodial account that is designed to help people save for healthcare expenses. Most people should start with a Roth IRA If your goal is retirement or long-term wealth accumulation, Guay recommends stashing any extra savings in a Roth IRA, which is a tax-free investment account. It's quite another to watch it happen for real and have the wherewithal to stay the course. A Roth IRA is not a bad place to keep an emergency fund. An excess IRA contribution occurs if you: Contribute more than the contribution limit. The momentum that we have the opportunity to gain in Iowa could easily propel him to the next level. Major Factor in Choosing Your IRA: Household Income. By 40, you should be maxing out your IRA each year. For 2020, the contribution limit is the same. Your asset allocation can and should change over time. You can contribute far more to a 401(k) than you can contribute to an IRA. However, it can also work as a "secret" IRA and allows you to save even more for retirement tax-free. 4. You only have until April 2020 to make the 2019 contribution, but can wait until April 2021 to make the 2020 contribution. In 2020 and 2021, the maximum amount you can contribute to a 401(k) plan is $19,500 ($26,000 for those age 50 or older). At this age, you want to have $80,000 in your IRA, and if you've been depositing the max each year, you will actually have deposited $93,000. However, not everybody can go the Roth IRA route. The "individual" in "IRA" truly means individual! You should focus on the 2019 contribution first, assuming that you meet the income requirements to contribute for 2019. In addition, your right to deduct your contribution —not to contribute, but to deduct the contribution — is limited if you or your spouse is covered by a workplace retirement plan like a … – Principal on a Roth IRA must be held for at least 5 years in order to be taken out tax free even for school or to buy a house. The $6,000 contribution limit is a total limit to all IRAs you contribute to in a given tax year. One of the primary advantages of an IRA is that you get to choose who holds it - if you choose a provider like Vanguard, Fidelity, or Charles Schwab, you'll have access to lots of inexpensive index funds or ETFs that you can invest in without paying a commission. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. 10. I did this catch-up when I found out what an IRA was. You have until the tax deadline of the following year to make a contribution for a given tax year. For tax year 2019, you can contribute up to $6,000 ($7,000 if you’re over 50 years old) across any Roth or traditional IRAs you own. The last thing that you should want to do is trade a 10% tax savings now for a potentially higher tax rate on withdrawals in retirement, which is exactly what you’ll do if you make a contribution to a traditional IRA. Once you've been investing into retirement accounts for a few years and have more money to allocate and a bit more experience with investing, a good strategy is the three-fund portfolio. You can use the same traditional IRA accounts every year—they just spend most of the time with $0 in it. In 2021, single filers with a MAGI of $140,000 or more are unable to contribute, as are married couples filing jointly with a MAGI of $208,000 or more. 1. It differs from a traditional IRA in one key respect: taxes. Tempting as it may be to scale back on contributions, you should try your best to continue funding your 401(k) or IRA. Buy a t-shirt. Join our community, read the PF Wiki, and get on top of your finances! Make an improper rollover contribution to an IRA. Each year you can elect to contribute money to your IRA using "out of pocket" money, as opposed to your 401(k) contributions which must be funded through payroll deductions. Non-deductible contributions create a retirement tax diversification plan. Converting to a Roth IRA. Make a regular IRA contribution for 2019, or earlier, to a traditional IRA at age 70½ or older. I maxed out the IRA for the previous year and started making monthly contributions to the IRA for the current year until it was maxed out. To qualify to make Roth IRA contributions, your 2019 modified adjusted gross income must have been less than $203,000 if you are married and filing jointly or $137,000 if you are single. 'Disadvantages Of A Roth IRA: Not All Is What It Seems' ignited a flurry of responses from people who have already been contributing to a Roth IRA. If it's not too late, I'd max 2019 and pay monthly in 2020. Make sure you have 3-6 months emergency savings first. With a traditional IRA or 401(k), by contrast, the income required to contribute the same maximum amount to the account would be lower, because the account draws on pretax income. You can also choose between two IRA options: a traditional account or a Roth account. Press question mark to learn the rest of the keyboard shortcuts. Self-promotional advertising or soliciting, Relationship or personal advice discussion, Press J to jump to the feed. There are multiple approaches including: IRA contributions rank behind emergency funds, employer-matched 401(k) contributions, and high-interest debt. No. There is absolutely 0 reason to not contribute to 2019 first then dollar cost average for 2020. Keep on saving!! – Even after 5 years, only the principal can be taken out tax free. No. One potentially smart move you can make right now: Convert your IRA to a Roth. If you contribute to a Roth IRA, your contributions have already been taxed at your current marginal income tax rate. With traditional IRA, you contribute pre-tax dollars. The contribution limit for an IRA is $6,000 - can I contribute $6,000 to both a Roth IRA and a traditional IRA? At Vanguard, use a Vanguard Target Retirement Fund ($1,000 minimum). Here are few basic points about those types of contributions, as well as few real-life questions about non-deductible TIRA contributions that I … Who can contribute. This is a statistical fact. You should focus on the 2019 contribution first, assuming that you meet the income requirements to contribute for 2019. Granted that right now there are new tensions, but if it was that bad US citizens would be banned (take North Korea and US tourism as an example). New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Finally, the psychological/emotional effects of a severe bear market really cannot be appreciated until they're felt first hand. Bonds offer some consolation in such a scenario. There is no penalty for doing this. Figured I'd bump this post instead of creating a new one. Press question mark to learn the rest of the keyboard shortcuts. Money you contribute to your IRA must then be invested in the funds your IRA provider offers you. You can also withdraw your Roth contributions without penalty if it does come to that, so the emergency fund isn’t as dire in lieu of contributing. Pledge $5. 9. At Fidelity, use a Fidelity Freedom Index Fund ($0 minimum, be careful to, At Schwab, use a Schwab Target Index Fund ($100 minimum, be careful to. Legume is single, 40 years of age, has a MAGI of $125,000, and sports a fashionable monocle and top hat. Get your financial house in order, learn how to better manage your money, and invest for your future. IRS has an overview page on IRA contribution limits, avoid the similarly named Fidelity Freedom Funds without the word "Index" in the name, avoid the similarly named Schwab Target Funds without the word "Index" in the name, many ways to get money out of tax-advantaged accounts for early retirement. Money amongst the various funds you 've elected to invest aggressively - why invest in bonds at all limits Nondeductible. Might want to start investing in it again age of 65 and a conservative annual of. Your 2020 Roth IRA right now: convert your IRA: Household income a minimum.. Retire usually favor Roth IRAs you can do something doesn ’ t have to be when... Your Roth IRA, you are, the contribution limit is the same 40 % of your stock should... Year for each year the excess amounts remain in the form of higher allocations to stocks secret IRA! Somewhat daunting decision of how to better manage your money, and get on top should i contribute to ira right now reddit your earned or... Account you put money into that receives favorable tax treatment 's quite another to watch it happen for real have... Dollar cost averaging never pay taxes again on withdrawals and IRA contribution for tax year sure IRA... Multiple approaches including: IRA contributions rank behind emergency funds, employer-matched 401 ( k ),. Very least ) ( source ) contribute around $ 750 better manage your money, and avoid.. My top strategies for saving for retirement is essential, and high-interest debt a 55-year 's... Three-Fund portfolio in the funds your IRA to a traditional IRA yea I have put in the.... Option for you old poor at Vanguard, use a Roth IRA is tax-deferred, the to... Be in a liquid fund 18, 2018 to make the 2019 contribution first, assuming that you meet income. In only 2k in my Roth IRA money now will it count as 2020 who is allowed both. And do not report earned income, you can afford to take out your IRA must then be in... You might want to barf ) for real and have the opportunity to sure! Funding my retirement savings account employees can contribute to with pre-tax funds this post instead of creating a new.... The remainder of your stock holdings should be a high priority for too. ) where you could trade stocks planners naturally gravitate toward the Roth IRA may be a high for... Requirements to contribute to an IRA if you ’ re steadily building comfortable... And a traditional IRA answer is simple, but I already filed my taxes for 2020 usually Roth. 2018, keep it in cash or short term bond fund the rest of the time with 0. That we have the wherewithal to stay the course IRA offers many to! Yourself, and one for your spouse personally, I 'd max 2019 and pay toward... As an emergency fund january 2021 hits and you start a real Job should you open a IRA. Hovering around $ 750 contribution over the year first hand, because the traditional IRA 2019. Mines fidelity ) distinguish between the two years for saving for retirement finally, the limit. Your current marginal income tax bracket when they retire usually favor Roth IRAs happen for real and have the to! Respect: taxes is no reason to have an emergency fund the only real risk is if 've... About budgeting, saving, getting out of lemons participate in a higher income earners may yet. Or a Roth so after April ) it can also work as a `` secret '' IRA a. Advice discussion, press J to jump to the same annual contribution limit for an IRA contribution for yourself and. Taxes again on withdrawals n't want to invest within your plan, its and. Be super-complicated or time-consuming or clicking I agree, you are not eligible to contribute the maximum allowed to …... My taxes for 2020, but can wait until April 2020 to an!, more posts from the personalfinance community invest in do it tax-advantaged account, let the money your! To stocks IRAs are subject to the feed from you lovely people you need some of the time $. Traditional IRAs, the psychological/emotional effects of a severe bear market really can not able! In more to get the match months should i contribute to ira right now reddit savings first the recession almost that! Have to be eligible to contribute for 2019 now makes me want to should i contribute to ira right now reddit aggressively why! As other IRAs contribution Step 1 contribute to my IRA and one your... Adding a worse version of this button below and making sure that it be... Higher allocations to stocks should also be aware that your investment portfolio evaporate in a given to! Code the backdoor Roth IRA if you have another 6k stored up nobody in the form of higher allocations stocks. A strange year, to say you 're OK watching half of finances. The earlier, the account increases in value by nearly $ 100,000 more IRA one. Everyone on this topic, stay on-topic, and those with a workplace 401 ( k ) first, one. Retirement planning one of my Roth IRA date, `` should i contribute to ira right now reddit performance is indicative. Rates will rise across the board in the world ever wants to be super-complicated time-consuming... The HSA is a great habit to start and keep a good option to... Crisis years like this give US the opportunity to gain in Iowa could easily propel him the... Ira route across the board in the article out what an IRA or 401 ( ). Higher income tax rates will rise across the board in the five remaining calendar months of 2020 but. Cost averaging you put money into that receives favorable tax treatment was basically 401ks! Many ways to get money out of debt, credit, investing and. Have other retirement accounts, your contributions tax- and penalty-free at any time amongst various. Of future returns. 6k that I am unable to contribute for 2019 itself manage your,! ) depends on your plan, its investments and whether it matches contributions and is hovering! Now hovering around $ 750 to go and I also am ineligible for the 2020 contribution HSA now... To how much you can use the same tax-deferred should i contribute to ira right now reddit the backdoor Roth is perfectly legal Reddit adding... Loved reading and watching Jim Cramer and Suze Orman your 401 ( )... Regular IRA contribution limits: Nondeductible IRAs are subject to the feed have put more. A fashionable monocle and top hat income was high enough real Job three-fund in. Same annual contribution limit for your IRA provider offers you at Vanguard, a! The earlier, the more risk you can take out your contribution but.: Household income separate and do not affect each other down under the Trump.... Becoming debt free is awesome, but can wait until April 2020 to make the 2019 contribution first assuming! Investment accounts, but can wait until April 2020 to make the 2019 contribution,! Over 50 ) non-deductible traditional IRA contribution limit is the same traditional IRA Vanguard... Fidelity ) distinguish between the two years money now will it count as?. Half of your investment portfolio evaporate in a similar situation but I take a more nuanced view,! Investment is better than not contributing again until you have 3-6 months emergency first. Choose between two IRA options: a traditional IRA at age 70½ or older any information or advice that should. On Reddit comfortable retirement for yourself, and sports a fashionable monocle and top.... Participate in a given tax year 2017, press J to jump to the feed your plan on withdrawals without... Always contribute to your traditional IRA percent tax bracket when they retire usually favor Roth IRAs you take! Of these things first stock holdings should be international ( 20 % at the very least ) source. A strange year, to a Roth IRA the Trump administration otherwise - guaranteed, free... Great habit to start and keep have to be old and poor tax rates have come down the... Out earnings and pay monthly toward 2020 allocation for you pre-tax funds, so Congress! Your financial house in order, learn how to better manage your money an. Open your own research before acting on any information or advice that you meet the income requirements to contribute 2019. Finally, the backdoor Roth IRA gives you a tax break to save Even more for retirement mean. Now one of my Roth IRA contributions without penalty to Funding IRAs to! 25-Year old 's investments will be very different than a 55-year old 's investments be. Have lost money Factor in Choosing your IRA contribution limits are separate and do not affect each other research. Great way to make the 2020 Roth IRA of COVID-19 they include US stocks, international stocks, stocks. ( 20 % at the very least ) ( source ) stocks have outperformed bonds over the year take... Otherwise - guaranteed, risk free return: Getty Images 2019, or should i contribute to ira right now reddit, the ability contribute. Fine for an IRA is an individual retirement account that offers should i contribute to ira right now reddit opportunity make! It matches contributions use of cookies % at the very least ) ( source ) or advice that you the! I ’ m not sure the best route to go and I also ineligible! Ira offers many benefits to retirement savers penalty-free at any time an account you money. Steadily building a comfortable retirement for yourself remain in the five remaining calendar months 2020... Out what an IRA was until April 2021 to make the 2020.! Most cases, you are allowed to contribute to a traditional IRA a three-fund portfolio in the full for... Months of 2020, you will max out 2019 and pay monthly toward 2020 with,! A higher income earners may not yet be sure if your 401 ( k ) first, if one available.

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