Iimeko zakho ngabanye yinto ebalulekileyo
Abanye abantu baya kukunika umyalelo wesithupha ekulondolozeni umhlalaphantsi, njengokuthi "kufuneka ulondoloze i-10% yengeniso yakho". Oku kubizwa ngokuba ngu- 10% wolawulo lokulondoloza . Ukulandela umgaqo onjalo kungcono kunokuba ungagcini nonke, kodwa omnye umthetho awusebenzi kuwo wonke umntu.
Ukwenza okungakumbi, kuyona kufuneka uyigcine ukuze ugcine umgangatho wakho wokuhlala emhlalaphantsi. Abafumana umvuzo ophezulu bangadinga ukugcina i-20% okanye i-30% yento abayenzayo.
Ndiyazi ukuba ufuna impendulo elula malunga nokuba ungaphila ukugcina umhlalaphantsi kwaye ndifuna ukuba impendulo ibe lula ngathi "gcina i-$ 436 ngenyanga". Akusebenzi nje loo ndlela. Njengokwakha indlu, kufuneka wenze izicwangciso uze ubone ukuba yiziphi iimpawu ozifunayo. Emva koko unako ukugqiba ukuba uza kuba neendleko ezininzi kwaye uza kuthatha ixesha elingakanani.
Njengokuba kunjalo nezinto ezininzi, ubuninzi obufunekayo ukusindisa kuxhomekeke kwiimeko zakho. Sebenzisa ezi zinto zilandelayo ukubala impendulo yakho:
- Imali efunwayo kwimhlalaphantsi
- Ubudala namhlanje
- Ubudala bokuthatha umhlalaphantsi
- Uninzi kangakanani ulondolozile
Makhe sijonge nganye kwezi zinto ukuze sibone indlela ekuchaphazela ngayo ukugcina imali efunekayo.
Ukuxhaswa kwemali yomhlalaphantsi
Enkulu indlela ophila ngayo ofuna ukuyifumana phantsi komhlalaphantsi, uya kufuneka ugcine ngaphezulu. Ukuba uqala usemncinci kwaye ushiye umhlalaphantsi kamva, ngokuqhubeka ugcina inyanga nganye unokukwazi ukufezekisa impilo yokuthatha umhlalaphantsi.
Unani okwaneleyo? Kuyaxhomekeka!
Ukuze ufumane ingcamango engalunganga malunga nokuba uza kuyidinga kangakanani, unokucinga ukuba uzakufuna ubuncinane i-$ 100,000 nganye kwii-5,000 zamawaka ngonyaka weengeniso zomhlalaphantsi ezifuna ukuvela kwi-savings. Oko kuthetha ukuba ufuna imali engama-50,000 engeniso (ngaphezu kwento enokufumana kuyo kwiNtlalo yoKhuselo kunye / okanye ipensheni) uya kuyimfuneko ubuncinane be-$ 1,000,000 igcinwe.
Abanye abantu babona itekethi yerhafu yezigidi zemali yokuthatha umhlalaphantsi kwaye baxakeke ngcamango yokuzama ukuba ngumgidigidi kwaye ke abasindisi nhlobo. Oku akulungile. Ungavumeli ukuba oku kwenzeke kuwe. Sebenza ekwenzeni uhlengahlengiso oluncinane olulawulwayo olukunceda ukugcina ngaphezulu . Yonke into ibalwa.
Yaye khumbula, abantu abaninzi bafumana iindlela ezifanelekileyo zokuhlala ngaphantsi ngexesha lomhlalaphantsi . Ukuba unesiKhuseli soLuntu kunye nomhlalaphantsi, awuyi kufuna into ephantse kwisigidi.
Ubudala obukhoyo
Ngexesha elide unayo ngaphambi kokuhlala kwakho komhlalaphantsi oyifunayo, ngaphantsi uzakufuna ukugcina inyanga nganye ukufikelela kwiinjongo zakho. Ukuba unesithuba esincinane, uzakufuna ukugcina ngaphezulu.
Ukongeza, ukuba unako ixesha elingaphezulu, unako ukunika isabelo esikhulu sotyalo-mali kwizinto ezinokuzikhethela ingozi ephezulu (kodwa kungekhona ngokuqinisekileyo) yokufumana imbuyekezo ephezulu. Ukuba unesithuba esincinane, njengokuba ungaphantsi kweminyaka emihlanu yomhlalaphantsi, uzakufuna imali eyongezelelweyo ekunikezelweni kotyalo-mali olukhuselekileyo ukwenzela ukuba ukunyuka okukhulu kwiimarike akuyikucwangcisa izicwangciso zakho zokuthatha umhlalaphantsi.
Ukuba ucinga ukuba ufuna ukuthatha umhlalaphantsi kusasa , kuya kufuneka uqwalasele umphumo wokuba uneminyaka engaphezulu kumhlalaphantsi. Uya kufuna kwakhona ukubala iindleko zonyango lwempilo ephakamileyo oza kudibana nawe ude ufikelela kwiminyaka yobudala engama-65 (apho i-Medicare iqalisa).
Ngaphandle kokuba emva kweMedricare iqala, uya kuba nee-premium ze-inshurensi kwaye uhlawule imali. Abantu abaninzi abasetyenziselwa ukuba babe ne-inshorensi yabo yempilo encediswa ngumqeshi babo bayamangaliswa ngendleko abaya kuyidinga ukuba bakhe kwisabelo-mali emva kokuba bathathe umhlalaphantsi.
Ukuba ufumana isiqalo sokugqibela emva kokugcina umhlalaphantsi, unokufuna ukwenza utshintsho olukhulu. Khawuqwalasele ngokukhawuleza ukunciphisa indlela yokuphila (ikhaya elincinane kunye nemoto, ukuhamba kangako kunye nokuthenga) ukuze ukwazi ukugcina ngaphezulu. Okanye unokucwangcisa ukusebenza ixesha elide.
Umhlala-phantsi weProtirement
Xa umgaqo wokuthatha umhlalaphantsi waqala kuqala, abantu abazange baphile ngokude nje namhlanje. Ngokunyamekela impilo, ukuba uhlala phantsi ngowama-62 unokuchitha iminyaka engama-25 ukuya ku-5 kumhlalaphantsi. Oku kuya kufuna iqanda elikhulu leqanda. Ukuba awuzange uqalise ukwakha iqanda lakho lembande uthathe ukusebenza ixesha elide.
Abantu abaninzi baya kuba ngcono ekusebenzeni ixesha elide, ubuncinane de kube yiminyaka engama-70. Ukusebenza kude kube ngu-70 unokulibazisa ukuqala kweenzuzo zakho zoKhuselo loLuntu kunye nokufumana imali eninzi yemali engenayo efumaneka kwi-Social Security kwiminyaka eyi-70.
Kukho ininzi eyenza kwisigqibo malunga nokuba uthathe umhlalaphantsi . Ukuba uneminyaka ethile engqondweni yakho qalisa isicwangciso sakho somhlala-phantsi ngokukhawuleza. Uphando luye lwabonisa abo baqala ukucwangcisa ubuncinane iminyaka emihlanu kude nomhlalaphantsi bayavuya kakhulu kwaye banokutshintshela ukuguqula umhlalaphantsi.
Savings ekhoyo
Ukuba uzuze imali okanye usenayo imali efanelekileyo egcinwe kwi-401 (k) okanye i-IRA yakho, unokuba nekhanda elihle ukuqala ukulondoloza umhlalaphantsi sele sele uhlala.
Ukuba unayo ikhaya okanye ishishini, qaphela malunga nokuba ubunjani bee asethi obala njengokuba ufumaneka kumhlalaphantsi. Ngokomzekelo, ukuba uceba ukunciphisa ikhaya lakho ucinge ngento eyiyo. Ukuba ungekho mboleko kwaye uthengise indlu ngee-500,000 zamaRandi uza kusasa indawo yokuhlala. Ukuba uthenge ikhaya lepatio yomhlala phantsi i-$ 350,000, ngoko-xabiso lakho lekhaya langoku ungayifumana i-$ 150,000 njengemali yokugcina umhlala-kodwa akusiyo yonke into. Kamva ebomini, unokusebenzisa kwakhona imali yokuboleka imali ukuze ukhulule ezinye zezobulungisa ezisele.
Kulabo abanokulondolozwa okwangoku ukubala okulukhuni ukufumana ingcamango yokuba usondele kangakanani ukuhlangabezana neenjongo zakho zomhlalaphantsi ozifunayo.
Ukuba uqala ukusuka ekuqaleni, ufuna ukugcina ubuninzi ngangokunokwenzeka, okanye ucinge ngeendlela ezingezizo zendalo zokulondoloza umhlala-phantsi ezifana nokuqeshisa igumbi lakho ekhaya, uhlala kwi-RV yokuphila , okanye uhlala phantsi kwelinye ilizwe .