1. Chaza oko kukuthatha umhlala-phantsi kwangaphambili kuthetha kuwe ngokweminyaka yobudala
Kwabanye, ukuthatha umhlalaphantsi kwiminyaka engama-45 ubudala; kwabanye, abaneminyaka engama-60. Nomehluko oneminyaka emihlanu unokuba nefuthe elibi kwimali engenayo ongayifumana, ngoko isinyathelo sokuqala ekucwangciseni umhlalaphantsi kwangaphambili kukukhetha ixesha okanye umhla ojoliswe kuyo.
Emva koko uya kufuna ukucacisa oko kuya kufuneka ukuba kwenzeke ngelo xesha, njengokungakanani oza kuyidingayo ukugcina, kunye nokuba yiziphi iindleko zakho. Umgaqo ogqithisileyo wesohlwayo othiwa ulawulo lwe-4% uthi unokurhoxisa i-$ 4,000 ngonyaka ngemali eyi-100,000 yokugcina imali. Ukuba ucinga uza kuchitha i-$ 40,000 ngonyaka uya kufuna i-$ 1,000,000 igcinwe. Lo mthetho olula awucacisi kwiirhafu, ukunyuka kwamaxabiso kunye neminye imithombo yengeniso njengoKhuseleko loLuntu, kodwa yindawo yokuqala.
Njengoko ukwandisa ekuqaliseni kwakho ekugqibeleni zonke ezi zinto zilandelayo zifanele ukuba zilandelwe:
- Ubomi bakho bexesha lokuphila kunye nendlela elichaphazela ngayo iminyaka emininzi uya kuyidinga ingeniso yomhlalaphantsi.
- Xa unako kwaye kufuneka uqale ukuthatha inzuzo yeNtlalo yeNtlalo .
- Uza kujonga njani iindleko ze-inshurensi yezempilo kuze kube yilapho usufikelela kwiminyaka yobudala engama-65, apho ufanelekile kwi-Medicare.
- Indlela yokuphila iguquka njengezinto ezintsha zokuzilibazisa ezinokubangela iindleko ezingaphezulu, okanye izinto zokuzilibazisa ezinokukwenza imali.
Ukuba ucinga ukuba ufuna ukuhlala phantsi kweminyaka emihlanu, uya kufuna ukukhawuleza ukulandelela ukucwangcisa kwakho . Iminyaka emihlanu inokubonakala ngathi ilinde ixesha elide, kodwa lihamba ngokukhawuleza kwaye awufuni ukulinda unyaka othabatha umhlalaphantsi ukuze uqale ukufumana izinto ngokufanelekileyo.
2. Cinga ukuba ucinga ukuba uya "sebenza" ngomhlalaphantsi
Abanye bachaza umhlala-phantsi kwangaphambili njengosuku abangasayi kusebenza kulo msebenzi okanye umsebenzi wabo wangoku, kodwa bafuna ukufumana imali engenayo yokulandela umsebenzi omtsha, ukuzonwabisa okanye ukunqwenela.
Kwabanye, umhlala-phantsi uthetha ukuba baya kufinyelela kwindawo apho abayi kuphinda basebenze ngemali kwakhona.
Ukuba inkcazo yakho yokuthatha umhlalaphantsi kwangaphambili ithetha ukuba awufuni ukuphishekela nayiphi na imali eyenza uyenze imali ekufuneka uyenze ukuyigcina kakhulu kunabo baceba ukufumana imali ngandlela-thile.
Nangona uceba ukuqhubela phambili ukusebenza kwithuba lesithuba, gcinani engqondweni ukuba iinkcukacha zibonisa ukuba abaninzi abantu abaceba ukuqhubeka benze uhlobo oluthile lomsebenzi phantsi komhlala-phantsi abayenzi ngokwenene-nokuba ngaba abanakufumana umsebenzi okanye batshintshe ingqondo yabo kwaye banqume ukuba bahlala ngaphantsi kwaye bafumane ixesha labo.
Ukuza nokuqikelela ngokukhawuleza ukuba ngaba unelungelo lokusebenzisa umhlalaphantsi Okwaneleyo ukuba uthathe umhlalaphantsi , ukubalwa okulula kukhulula u-Ewe / Akukho mpendulo njengesikhokelo.
Ukuze uqikelele ngakumbi ukuba uza kufuneka uthathe umhlalaphantsi kangakanani , iiNyathelo ezi-4 zokuQinisekisa ukuba zininzi zokuthatha umhlala- phantsi ziya kuhamba ngeenkqubo.
3. Yenza isicwangciso sotyalo-mali esinokuphumelela okuphezulu
Emva kokuba ubale inani lemali yokulondoloza kunye neengeniso ezizayo oya kuyimfuneko, uya kufuna ukuchitha ixesha ukuphanda iindlela ezahlukeneyo onokubeka ngayo ukugcina imali kunye nokutyalomali ukwenzela ukuba bavelise imali engenayo yokuhlala yomhlalaphansi .
Eli akusiyo ixesha lokuthatha izigqibo ngokukhawuleza, ngaphandle kwe-cuff. Cinga ngendlela owazi ngayo malunga nomsebenzi wakho, iminyaka yoqeqesho kunye namava athathwe ukuze uzuze olo lwazi, kunye nemali yengeniso ekuhlawule ngayo ixesha lokuphila kwakho.
Utyalo-mali oya kukhetha ngoku kufuneka unikezele ngeniso kubomi bakho obuseleyo, kwaye awukwazi ukukwazi ukwenza iimpazamo, ngoko thabatha ixesha lokwenza uphando olucokisekileyo, kwaye unganqikazi ukufuna uncedo olufanelekileyo lwezakhono.
Yaye ukhumbule, utyalo-mali olukhethileyo lomhlala-phantsi lukhethwa ngenxa yokuba luyinxalenye yesicwangciso- mali esilungisiweyo , asinakuthengwa ngokukhawuleza.