Akunakuze kufike ixesha elide kwiBhoom Boomntwana ukuHlola iziCwangciso zomhlala-phantsi
Ukuba ungumntwana osemncinci kwiminyaka yakho yokuzuza, ufunda iindinyana malunga nemingeni yomhlalaphantsi ephakathi kwekhonkco inokubonakala ibangele. Kodwa kukho iindaba ezilungileyo! Ngokweengxelo eziphandulweyo zophando ezivela kwi-Financial Finesse ngokubhekiselele kwimpumelelo yezemali kwizizukulwana ezahlukileyo, i-Baby Boomers yindawo ephezulu kakhulu yezemali xa kuthelekiswa namanye amaqela.
Nangona kunjalo, njengamanye amaxesha iindaba ezilungileyo kukho ezinye iindaba ezimbi ukubeka le ngxaki kwithemba. Iindaba ezimbi kukuba inani elikhulayo labamaBomom baziva bengenakuthemba ukuba bahlala kumhlalaphantsi. Nangona kungekaze kubekho ukukhawuleza ukucwangcisa, into yokuba i-Baby Boomers ayinaso ixesha elininzi njengezizukulwana ezincinci ukuvala isithuba sokulungisa umhlalaphantsi.
Ukuba unguBomer Baby ucinga ngamathuba akho okuthatha umhlalaphantsi, nakhu amanyathelo abalulekileyo ongayenza ngoku ngoku:
Yenza isicwangciso senkcitho yakho kunye nebhajethi yakho yomhlalaphantsi engqondweni
Uhlahlo lwabiwo-mali ludumo olubi kuba abaninzi abantu bafumana uxinzelelo kunye noxinzelelo xa bezama ukufumana indlela yokubeka ingqalelo ukusetyenziswa kwemali. Ukuba ungumntwana oMntwana osondela kumhlalaphantsi, kufuneka ugxininise ekwakheni isicwangciso senkcitho esisebenzayo esichazela imali apho uhamba khona kwangaphambili ukuqinisekisa ukuba imali yakho iyahambelana neenjongo zobomi bakho.
Kukho izizathu ezininzi zokuba kutheni ufuna ukudala isicwangciso senkcitho ngoku ngakumbi kunanini ngaphambili. Okokuqala, ukucwangcisa izicwangciso kunokukunceda ukuba ugweme ukuchitha imali ngaphezu kokuba ungene kwaye ukwandise ityala lakho lonke. Abantwana bamaBomomers abathintekayo malunga neembopheleleko zabo zetyala abanakho ukunika ingxelo yokuzithemba ukulungiswa komhlalaphantsi kwaye ezi nkxalabo zesikweletu sinye isizathu sokuba abantu abaninzi bahlehlise umhlalaphantsi.
Ukucwangcisa izicwangciso kwanceda ukukhulula imali eyongezelelweyo ukuhlawula ityala. Zingasetyenziselwa ukukunceda ukufumanisa imali eyongeziweyo enokukunceda ukwazi ukukhupha i-akhawunti engama-401ks, i-IRAs kunye nee-HSA. Mhlawumbi inzuzo enkulu ekudaleni uhlahlo lwabiwo-mali okanye isicwangciso senkcitho ngexesha lokugqibela kwezemfundo kukuqaphela indlela engenayo imali engenayo yokwenza izinto ofuna ukuzenza ngomhlalaphantsi. Ukubala kwakho umhlala-phantsi kuqikelelo kwi-ballpark ukuqikelela uze uthathe ixesha lokuqonda ngokwenene apho imali yakho iya khona. Ukuqaphela imali yakho yangoku kunika ulwazi oluncedo ukukunceda ubone indlela icebo lakho lokufumana umhlalaphantsi elibukeka ngayo.
Phambili kuqala iinjongo zakho zemali
Ubomi kwenzeka ntoni kuwe ngelixa uxakeke ukwenza ezinye izicwangciso. Kwimpilo yethu yezemali, kunokuba lula ukuphazamiseka xa iinqununu ezininzi zikhuphisana nemithombo yethu ephantsi kunye nexesha. Indlela eyona ndlela yokubeka phambili phambili kwiinjongo zobomi bakho kukudala isicwangciso kwaye uyibeke ebhaliweyo. Ukuba utshatile okanye unomlingani kwindlela yokufumana inkululeko yemali, wabeka ixesha lokuxoxa ngeenjongo zakho ezifutshane kunye nexesha elide. Ukuba uzama ukugqiba ukuba ngaba kunengqiqo ekuphumeni kwetyala, gcina imali eyongezelelweyo yomhlala-phantsi, okanye uhlawule i-inshorensi yonyango elide, qiniseka ukuba iimfuno zakho zomhlalaphantsi ezisisigxina zigqitywe ngaphambi kokugqiba ukubeka eceleni izinto eziphathekayo kumntwana wakho okanye kwimfundo yabazukulu.
Ngelishwa, akukho namasebe encedo lwemali ngaphandle apho ngenxa yokuthatha umhlalaphantsi. Ukubonisa abathandekayo bakho indlela eya ekuzimeleyo kwezezimali kubangelwa yinye yezipho ezingakhohlwayo ozinikezelayo abantu abaluleke kakhulu.
Hlola iindlela zakho ze-inshorensi zempilo
Iindleko zonyango lwempilo zingenye yezinto ezibalulekileyo zokucwangcisa umhlala-phantsi kwaye le nto iya kuba yintloko yengqondo njengoko uhlala umhlalaphantsi. Ukususela kumbono wohlahlo lwabiwo-mali, iindleko ezinxulumene nempilo ziyinxalenye enkulu ebhajethi ngexesha leminyaka yomhlalaphantsi.
Ukuba unomhlala-phantsi we-inshurensi yonyango, qhubeka uqale uhlaziye iimpawu zakho kunye neendleko ezihambelana nazo. Kufuneka ujonge kwakhona kwiziko lezempilo lezempilo.Ukuba uya kuba ngumhlala-phantsi phambi kweminyaka engama-65 xa ufanelekile ukuba ugqirha kwi-Medicare. Ukuba unesicwangciso esiphathekayo esiphezulu nge-HSA, sebenzisa ngokugcwele amandla akho okubeka eceleni ukuya kuma-3,350 ukukhutshwa komntu ngamnye okanye i-$ 6,750 yokufikelela kwintsapho (kunye ne-$ 1,000 kubo bobabini ukuba baneminyaka engama-55 okanye ngaphezulu) yeedola zerhafu ngaphambili kwi-akhawunti yokulondoloza impilo ukuze bancede bafumane iindleko ezizayo.
Isicwangciso seendleko zonyango lwexesha elide
Iindleko zokunyamekela kwexesha elide ziba ngumlinganiselo obalulekileyo kwisihla sakho sokuthatha umhlalaphantsi. Unokwenza umsebenzi oqaqambileyo wokuqokelela impahla eyaneleyo yokuthatha umhlala-phantsi ukuze uthathe umhlala-ntuthuko kuphela ukuba ubone ukuba uphelelwe ngokukhawuleza emva kweminyaka embalwa yeendleko zonyango elide. Buza nawaphi na abahlobo okanye amalungu omndeni oko amava abo ayenakekele umntu obathandayo abafuna iinkonzo zonyango lwangexesha elide kwaye uya kuziqonda ngokukhawuleza oku kuyingozi. Enyanisweni, kuqikelelwa ukuba malunga nama-70% abantu abadala abangama-65-yr baya kufuna uhlobo oluthile lokhathalelo lwexesha elide. I-Alzheimer's Association iye yaxela ukuba iindleko ze-dementia ziya kuvela kwi-$ 220 yezigidigidi ngonyaka odlulileyo ukuya kuma-1 trillion ngo-2050.
Xa ucinga malunga nendlela yokuhlawula ukunyamekela kwexesha elide kufuneka uqaphele ukuba i-Medicare ayifuni iindleko zokunyamekelwa kwexesha elide. Ngokubanzi, i-Medicaid idinga ukuba uchithe phantse yonke i-asethi yakho ukuze ufaneleke kwaye kukho iminyaka emihlanu yokujonga emva kwexesha kwiimpahla ezazinikezelwa abanye.
Okukhethwa kukho kukuhlawula ephaketheni usebenzisa iqanda lakho lokuhlala umhlalaphantsi, uchithe phantsi ixabiso ukuze ufanele ukufumana iMedicaid, okanye uthenge i-inshorensi yonyango elide ukukhusela kulo mngcipheko. Unokufunda okungakumbi malunga ne-inshorensi yonyango elide usebenzisa iisistim kunye nolwazi olufumaneka kwi-lifehappens.org okanye longtermcare.gov.
Nazi izikhokelo ezimbalwa zokukunceda ukhethe indlela efanelekileyo yokuhlawula nayiphi na iindleko ezinxulumene nokunakekelwa kwexesha elide:
- Ukuba ukulindele ukuba impahla yakho yomhlala-phantsi iya kuba phakathi kwe-$ 200k ukuya kwi-2-3 yezigidi kwiimpahla, unokufuna ukuqwalasela ukuthenga i-inshorensi yokunakekelwa kwexesha elide.
- Khangela ukujonga ukuba urhulumente wakho unikezela inkqubo yobudlelwane benkathalo yesikhathi eside. Ezi nkqubo zivumela ukuba ugcine inani elongezelelweyo lexabiso elilinganayo nenkonzo yomshuwalense eyithengiweyo kwixesha elide kwaye uya kuba ufanelekile ukufumana iMedicaid xa usebenzisa zonke izibonelelo.
Ukuphonononga iipotifoliyo yakho yokutshala imali rhoqo ukuze uqinisekise ukuba uhambelana kakuhle
I-"yibeke kwaye uyikhohlwe" indlela yokutshala imali umhlalaphantsi ingenakukulimaza kakhulu kwiimigangatho zokuqala zomsebenzi wakho. Nangona kunjalo, njengoko umhlalaphantsi usondela ixesha lakho lifutshane kwaye awuyi kuba nexesha elininzi lokufumana ukulahlekelwa okukhulu. Ingxelo ephandleyo yophando evela kwi-Financial Finesse ifumene ukuba ngaphantsi kweyesithathu kwezo zonke ii-Boomers zazinama-15% okanye ngaphezulu kweefotfoliyo zabo kwisitokisi esisodwa. I-Baby Boomers nayo ibonisa ukuhla kwehle kakhulu ekuhlaziyeni kwakhona ii-akhawunti zabo zotyalo-mali naluphi na isizukulwana ngonyaka.
Cinga ukucwangcisa utyalo-mali lwakho lomhlala-phantsi xa okwangoku ungaphezulu kwama-10-15% kwisisithi esinye. Izitokisi zenkampani ngamnye zinezinto ezibonakalayo eziphambili kodwa zingaphinda zinciphise kakhulu okanye ziye zero kwaye zingalokothi zibuye. Oku kubaluleke nakakhulu kwimpahla yomqeshi kuba ungekho emsebenzini ngexesha elifanayo ukuba imali yakho yokugcina ichithe.
Emva kokuba uphinde ubuyekeze inkcazo yakho yenkampani, cinga umfanekiso omkhulu kwaye uqinisekise ukuba iphothifoliyo yakho yokutshala imali ikwabiwe ngokufanelekileyo phakathi kweentlobo ezahlukeneyo zeeklasi ezifana neempahla, iibhondi, i-estate, kunye nemali. Enye yeendlela ezilula ukudibanisa utyalo-mali lwakho lomhlala-phantsi kukusetyenziswa kweengxowa-mali ezilinganisiweyo okanye isikhwama somhlala-phantsi somhla wokujoliswa. Ungakwazi ukudala ukuxuba ulwabiwo lweefa ngokusebenzisa ezo zikhokelo kunye nokuhlaziywa ngokutsha rhoqo.
Linganisa imali eningathanda ngayo kwiminyaka yakho yomhlalaphantsi
Ukuqalisa ukubalwa kwemali yomhlalaphantsi ubuncinane kanye kanye ngonyaka ngumsebenzi ocwangcisekileyo wokucwangcisa imali. Ngoko kutheni kubaninzi abantwana beBoomers abangakhathazeki ukuba bathathe ixesha lokubala ukuba bahamba ngendlela yokuhlangabezana neenjongo zabo zexesha elizayo xa behlala phantsi?
Kukho izizathu ezininzi zokuba kutheni abantu bangathathi ixesha lokuqhuba umbala wokubala umhlalaphantsi. Ezinye izizathu eziqhelekileyo zibandakanya ukwesaba ukufumanisa ukuba azikho emgceni, ukungaqiniseki malunga neziphi izixhobo ezisetyenziswayo ukuvavanya inkqubela yabo, kunye nokungabikho kokuzithemba abagcinayo ngokwaneleyo.
Ingeniso engakanani oyifunayo ngokwenene ngexesha lomhlalaphantsi?
Indlela efanelekileyo kukuqala ukujonga ukuba uceba ukuzama ukugcina umgangatho wakho wokuphila okanye ukulindele ukuba ufuna ngaphezulu okanye ngaphantsi. Ukuba uneminyaka engama-5 okanye ngaphantsi kwithuba lakho lokuhlala umhlalaphantsi kufuneka uzalise isicwangciso-mali sokuthatha umhlala-phantsi. Nantsi itemplate eyisiseko ongayisebenzisa ukuze uqalise.
Ngaphandle koko, isikhokelo esiqhelekileyo kukujolisa ekuqalekeni kwintlawulo yokuthatha imali engama-70 ukuya kwe-90%. Unako ukuhlala ulungelelanisa oku okanye phantsi phantsi kuxhomekeke kwimpilo yakho yokuthatha umhlalaphantsi. Into ebalulekileyo ukwenzayo kukuqikelela ukuba ngaba awuyi kukwazi ukuvelisa inzuzo eyaneleyo kuzo zonke izixhobo zokusebenza ukuze uzuze umgaqo-mali wokuzimela. Njengoko eli nqaku libonisa, kukho izibalo ezininzi apho kwaye mhlawumbi isicwangciso sakho sokuthatha umhlalaphantsi emsebenzini sisakhiwe kwibalabatha.
Ukuba awuzange usebenze uqikelelo lwakho lomhlalaphantsi usandul 'ukuthatha isenzo kwaye uthathe imizamo yakho yokucwangcisa umhlala-phantsi ukuya kwinqanaba elilandelayo.