Ukuthatha umhlalaphantsi kwangaphambili kwi-55
Ukuthatha umhlala-phantsi kuma-55 okanye abatsha baninzi kubantu abaqala imikhosi okanye iinkonzo zembambano (njengabantu abasebenzisa umlilo kunye namapolisa) beselula, kwaye ngoko banokuthatha umhlalaphantsi kunye neenzuzo zezempilo nangona zingekho 65. Njengomcimbi Enyanisweni, ilungiselelo elikhethekileyo kwimigaqo ye-IRS kwiiplani zomhlala-phantsi livumela abasebenzi abathile benkonzo karhulumente ukuba bafikelele kwiimali zomhlala-phantsi ngaphandle kweeminyaka ezingama-50. Ukuba awukwazi ukufikelela kwiintlobo zeenzuzo, ukuhlala phantsi kuma-55 kuthatha imali eninzi yokugcina nokucwangcisa.
Imingeni yoLuntu oPhezulu lomhlalaphantsi
Umngeni oyintloko ekukhetheni iminyaka yobudala bokuthatha umhlalaphantsi uqinisekisa ukuba unayo i-asethi eyaneleyo ukwenzela ukuba unike iqondo lemali eyamkelekileyo kwikamva lakho. Umntu othabatha umhlala-mali angama-55 unokudinga ukugcinwa kwabo ukugcina iminyaka engama-35 ukuya kwe-45 kumhlala phantsi. Ukuba usebenza ku-70, ukugcina kwakho kuyakufuneka ukubonelele ixesha elifutshane. Ungasebenzisa ababalawuli bemali yokufumana umhlalaphantsi ezahlukeneyo ukukunceda ukuba wenze uqikelelo, okanye ungasebenzisa iinkonzo zomcebisi wezezimali oqeqeshekileyo, ngokuqinisekileyo umntu ogxininise kwisicwangciso sokufumana umhlala-phantsi.
Ukhuseleko Lentlalo Ekuhlaleni Umhlalaphansi
Ulawulo loKhuseleko loLuntu luchaza iminyaka yobudala bokuthatha umhlalaphantsi njengeminyaka engama-62 ubudala. Ukuba uqala ukuthatha inzuzo yeNtlalo yoLuntu kwi-62 ubudala, uya kufumana inzuzo ephantsi.
Abantu abaninzi abaqapheli ukuba nangona ukhetha ukuhlala umhlalaphantsi kwangaphambili, akudingeki ukuba uqale iintlawulo zoLuntu lweNtlalo.
Uyakwazi ukwandisa ubomi bakho boKhuseleko lweNtlalo ngokulibazisa iifowuni zakho kude kube yimihla yokuhlala umhlalaphantsi , okanye u-70 ubudala xa uzakufumana ngakumbi. Ukusetyenziswa kwesi sicwangciso, uya kusebenzisa iifayili zakho ngenzuzo okwangoku. Ngokuchasene nento abantu abaninzi bakholelwa ngayo, ukucwangciswa ngale ndlela kunokukunceda ukufumana imali engaphezulu kunokuba uthathe inzuzo kwangaphambili. Kukho ezininzi i-calculator Social Security calculators ongayisebenzisa kuwe ukugqiba iminyaka engcono ukuqala izibonelelo zakho.
401 (k) Izibonelelo zomhlalaphantsi zangaphambili
Isixhobo esisodwa sokucwangcisela umhlala-phantsi esisoloko sisetyenziswe ngu-401 (k) isicwangciso esinokubonelela ukuba ufikelele kwimali ukususela kwiminyaka yobudala engama-55 ngaphandle kokuhlawula irhafu yerhafu yokuqala. Oku kusebenza kuphela xa ushiya umqeshi wakho emva kokuba ufikelele kwiminyaka engama-55. Kukho imigaqo ekufuneka udibane nayo ukuze usebenze. Ukuba awukwazi ukuhlangabezana nemigqaliselo, kuya kufuneka ukulinde uneminyaka engama-59 / 1/2 ukuthabatha imali engama-401 (k), okanye ukuba uyayithatha ngaphambili kunoko, uya kuhlawula irhafu yentlawulo .
Ngaphandle kokuba ufumane ilifa, uzuze i-lottery okanye ube nolunye uhlobo lwenkqubela, kuba abaninzi abantu indlela efanelekileyo yokuthatha umhlalaphantsi kusasa kukuqala ukucwangcisa phambili. Uzakufuna ukugcina ezininzi, fumana iindlela zokuhlala ngaphantsi - okanye, nokuba ngcono, yenza enye yabini.