Musa ukuba yiSatifiketi esabisayo. 5 Izinyathelo ezilula zokuQala ukusindisa namhlanje.
Ukuba unenkxalabo malunga nokufumana imali ekhuselekile kwimali yomhlala phantsi, awuyedwa. Kukho izibalo eziphazamisayo ezingasetyenziswanga ukukoyikisa, kodwa kunoko kunokukukhuthaza ukuba uqale ukugcina ngexesha elihle kakhulu: NAMUHLA.
Thatha umzekelo oku kulandelayo:
I-75% yabantu abadala baseMelika abaneminyaka engaphantsi kwama-30,000 ekulondolozeni.
1 kwabangu-6 abadala baseMerika bahlala ngaphantsi kwama-22,500. Laba bantu obaziyo.
Namhlanje kukho abantu abahlanu basebenzayo ngomhlalaphantsi omnye. Kodwa ngo-2050, kuya kubakho abantu abangaphantsi kwebathathu abasebenza ngokuthatha umhlala-phantsi. Oku kuthetha abantu abangaphantsi kwabancinci abaxhasa inkqubo yethu yokhuseleko loluntu.
Ama-Amerika angama-55 nangaphezulu anika i-20% yazo zonke iibhonksi, ngokuqhelekileyo ngenxa yeendleko zonyango kunye nengcwaba.
Ingxenye yesithathu kubo bonke abaseMelika banokuqiniseka ukuba baya kukhululeka xa bethatha umhlalaphantsi.
Abantu abaninzi bazibuza ukuba bangene njani kule ngxaki. Bayazibuza ukuba bangenzani ezahlukeneyo. Yintoni abanokuyenza ukuze babeke bhetele ngemali ukuze bajabule ngokwenene kwiminyaka yabo yomhlalaphantsi emva kweminyaka yonke yokusebenza kanzima?
Kukho impendulo eyodwa ephilileyo yolu mbuzo: qala ukugcina kwangaphambili. Unokuthatha inyathelo ngokukhawuleza ngokubeka isicwangciso kwisenzo ukuqala ukusindisa ngoku. Kholwa okanye cha, nokuba uqale isicwangciso sokulondoloza kuma-20 yakho ufanele ukuqala. Ewe, mhlawumbi ukwenza imali yakho ngokokuqala ngqa kwaye ufuna ukuzonwabisa ukuyichitha kwizinto ezintle zokufumana ukuzimela kwemali kunokukuthenga.
Kodwa uya kuba nolonwabo ngakumbi endleleni xa ubeka amanyathelo athathakayo ngokuqala ngokukhawuleza ngoko kungenjalo ukuba ungakhathazeki kamva.
Usenokucinga ukuba kulula ukuthetha kunokuba wenze ukuqala isicwangciso sokulondoloza. Kungaba yinto esabisayo ekuqaleni. Ngenxa yoko, ndiyakuthanda ukuwaphula phantsi kwamanyathelo.
Ukuba ungayilandela le nyathelo ezintlanu uze uzigqibelele ekumandleni akho, ngoko xa ufike umhlala-phantsi wakho, uza kukwazi ukuzonwabisa ngezinto zokuzilibazisa, abahlobo, izithuba zokuphumla kunye nazo zonke izinto oza kuzinandipha xa loo minyaka ilapha .
I-Jumpstart Ukugcina Kwakho Namhlanje Ngezo Ezi nyathelo
1. Yakha imali yakho yokonga imali.
Ikhefu yakho yezoxinzelelo kufuneka isetyenziswe into enye kunye nento enye kuphela-engxamisekileyo. Le yimali oyakuyidinga ngokukhawuleza kwimeko apho kukho utshintsho lwempilo efana nokulahlekelwa ngumsebenzi okanye i-bill yezobisi. Ndiyincoma ukuba abantu banemali eyaneleyo yokugcinwa kwemali yokuxakeka kwemali ukuhlawula iinyanga ezilisithandathu zokutyalomali. Imali kwi-akhawunti yakho yongxamiseko yokugcina imali kufuneka igcinwe kwindawo apho ungayifumana khona ngokukhawuleza, njenge-akhawunti yemarike yemali.
2. Beka eceleni imali ngeendleko ezinkulu kwiinyanga ezili-12 ukuya kwezi-18.
Musa ukusula isikhwama sakho esiphuthumayo kwisiganeko semali esicwangcisiweyo. Ukuba uyazi ukuba uninzi lweendleko ezikhulayo, le mali kufuneka ibekwe eceleni kwongezwa kwingxowa-mali yengxakeko.
3. Yenza igalelo elikhulu kumlinganiso wakho womlingani 401 (k).
Ngelixa zonke iinkampani zinikela ngenkqubo ehambelana ne- 401 (k) , abo benzayo baya kufana namaphesenti ama-50 eyokuqala ekhulwini le-6 lemali engenayo.
Oku kukhululekile imali kuwe. Qiniseka ukuba ukhangele nomqeshi wakho ukuba abone ukuba banikela ngenzuzo enkulu kwaye bayisebenzise xa beyenzayo.
4. Qalisa imali ngeRoth IRA.
Iintlawulo kwiRoth IRA zenziwe ngeedola zerhafu emva kokuba zihlawulwe nayiphi na ixesha ngaphandle kwehlwayo. Emva kokuba ufike kwi-59 nesiqingatha, zonke iirhoxiso zithethi-ntlawulo, kwaye akukho mfuneko yokunikezelwa kweminyaka.
5. Mad ephuma 401 yakho (k). Emva kokuba uxhaswe ngeRoth IRA yakho, zama ukukhupha i-401 yakho (k).
Ngo-2016, igalelo elininzi li-$ 18,000 (kunye neyongezelelweyo yokubamba inani lemali eyi-6,000 uma uneminyaka engama-50 okanye ngaphezulu).
Gwema ukuba enye yezibalo eziphazamisayo uze uqalise ukusindisa namhlanje. Uya kuba nolonwabo ngakumbi kusasa ukuba wenza.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela.
Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.