Sebenza ngendlela yakho kuloluhlu lokuthatha umhlalaphantsi kwaye uza kuba nomhlalaphantsi ophumelelayo.
01 Yakha i-Akhawunti Yakho Yolondolozo lweNgxowa-mali
02 Yenza uhlahlo lwabiwo-mali
Ngaba uchithe ixesha uhlalutya izindleko zakho zomhlalaphantsi? Ukusebenza ngokubaluleka kwebhajethi yomhlala-phantsi kwaye kubalulekile. Kumele ufikeleleke ngokuqikelelwa okuchanekileyo kwento ochithayo ngoku kunye noko kuya kutshintsha emva komhlalaphantsi. Ukunciphisa iindleko ngenye yezona mpazamo ezinkulu zomhlalaphantsi abantu abazenzayo.
03 Qinisekisa iikhompyutheni zakho ze-inshurensi yezempilo
Ngaba ukhangele ukuba uza kujonga iindleko zonyango kunye ne-inshurensi yezempilo-kwaye zibandakanya ezi zinto kubhajethi yakho? Inkonzo yomshuwalense wezempilo ingabiza xa uceba ukuhlala phantsi. I-Medicare iqala kwiminyaka engama-65 kodwa ngokulinganayo kulindeleke ukuba ihlanganise kuphela isiqingatha seendleko zakho zonyango.
04 Funda indlela yokufumana umhlala-phantsi weTeksi
Ngaba uyazi ukuba imithombo yakho eyahlukeneyo yomhlala-phantsi uza kuhlawulwa njani? Abaqeshweyo abaza kutsho abangaqapheliyo ukuba enye yengeniso yabo ingafuneka ukuba baye kwiintlawulo zenzekile. Abahlala kumhlala-phantsi banokuthi bangayihoxiswa ukuba bathathe inxaxheba kwimpembelelo yentlawulo xa beceba umhlalaphantsi.
05 Yenza umvuzo wexesha lomhlalaphantsi
Ngaba wenze umgca wexesha lokufumana umhlalaphantsi ukubonisa wena xa imithombo eyahlukeneyo yengeniso iza kuqala? Unokumisela umlinganiselo wenkxaso-mali malunga nezindleko zomhlala-phantsi (nazo zibekiwe kwifomati yexesha) ukukunceda ukulawula ukuhamba kwemali.
06 Qalisa ii-Scenarios usebenzisa i-Online Retirement Calculators
Ngaba uke wazama ukubeka amanani akho kwi-calculator yomhlala-phantsi? Oku kunceda ubone ukuba ixesha lakho lide lide kangakanani. Unokuyidlala kunye nezigqibo ezifana nomhla wokuthatha umhlalaphantsi, izinga lokubuya, kunye nomyinge wexabiso lentengo, kwaye ubone ukuba ezi zinto zingathinta njani umvuzo wakho womhlalaphantsi.
07 Sebenzisa i-Calculator Social Security Calculator Ngaphambi kokuba Uzuze iziNzuzo
Ngaba usebenzise i-Calculator Social Security, okanye usebenze nomcebisi wezezimali onokunika iingcebiso kwiintlawulo zakho zeNtlalo? Ungaqalisi izinzuzo de uze wenze uhlalutyo ukuze ubone ukuba kuya kuba luncedo ngani kuwe kunye neqabane lakho ukuze uqale inzuzo yakho yeNtlalo yeNtlalo.
08 Funda phezulu kwi-Investment Retirement Best
Ngaba uye wafunda iintlobo ezahlukahlukeneyo zokukhetha umhlala-phantsi wokufunda umhlala-phantsi ukuba ufunde indlela angasetyenziselwa ngayo ukufumana imali engenayo yomhlalaphantsi? Ukhetho ngalunye lokutsalwa kotyalo-mali luya kuba nenzuzo kunye neengxaki. Eyona ndlela ilungele ukufunda indlela isisombululo ngasinye sisebenza ngayo ngaphambi kokuba unqume oko kukulungele.
09 Yenza isicwangciso soTyalo-mali
Ngaba udale isicwangciso sotyalo-mali ukuze ube nendlela efanelekileyo yokulandela umhlalaphantsi? Isicwangciso sotyalo-mali sinjengeenkcazo yomsebenzi. Xa uwazi umsebenzi owufuna imali yakho ukukwenza kuwe kuba lula ukwenza umvuzo ochanekileyo (khetha utyalo-mali olufanelekileyo).
10 Funda kwiNcwadi Enye yeNgcaciso kwiCwangciso loPhuhliso
Ngaba ufunde ubuncinane enye incwadi ngokucwangcisa umhlalaphantsi? Imali yakho ifuna ukukubonelela ixesha elide. Awukwazi ukuthembela ngokupheleleyo kwabanye abantu ukukunika ingcebiso efanelekileyo kakhulu Kufuneka ukwazi izinto ezisiseko.
11 AbaPhicothi beNgcebiso abaSebenzi beRhafu
Ngaba unayo umcebisi wezezimali kuphela onobungcali kwi-planning plan yomhlalaphantsi wakho? Unokufumana abacebisi abaza kwenza oku ukwenzela isilinganiselo esicwangcisiweyo, kunye nabacebisi abaza kulawula utyalo-mali lwakho lomhlala-phantsi kunye nokuncedisa ngezigqibo zokucwangcisa. Ukufumana isigqibo sesibini kwisigqibo esikhulu sinokubaluleka.
12 Khetha iApens Distributions kuphela emva kokuhlalutya
Ukuba unomhlala-phantsi uyayiqonda indlela okhetha ngayo umhlalaphantsi kwaye uyazi ukuba ngubani na ongcono kuwe nentsapho yakho? Izigqibo zempesheni aziguqukiyo-kuthetha ukuba awukwazi ukutshintsha. Ezi zigqibo akufanele zenziwe ngaphandle kokuhlalutya.
13 Funda Indlela Yokuthatha Imali Kwakho 401k
Ukuba unesicwangciso se-401k uyazi ukuba uya kushiya imali yakho kwisicwangciso okanye uyifake kwi-akhawunti ye-IRA? Impendulo echanekileyo inokuxhomekeke ekubeni ungakanani ubudala. Ukuba uphaya kwe-59 1/2, ukuhlanganiswa kweeakhawunti mhlawumbi kuyona khetho.
14 Qaphela indlela Umsebenzi onokuthintela njani iiNzuzo zakho zoKhuselo loLuntu
Ukuba uceba ukwenza umsebenzi wokuthatha umhlalaphantsi, uyazi ukuba umvuzo wakho unokuchaphazela njani iinzuzo zakho zoKhuseleko lweNtlalo xa uqala izibonelelo phambi koMhlalaphantsi wakho oPheleleyo? Ukuba uneminyaka engaphantsi kwe-66, uqalise izibonelelo, kwaye wenze uninzi, unokuhlawulwa ezinye zeentlawulo zeNtlalo.
15 Funda i-Medicare Basics
Ngaba uyaziqonda iziseko zemali zakho zeMedare kunye nendlela oyi-premium ye-Medicare Part B ngayo? I-Medicare iqala ngo-65, kwaye ii-premium ze-Medicare Part B ziphezulu kubantu abafumana imali. Eyona nto ilungileyo ukuyiqonda indlela esebenza ngayo ngaphambi kokuba ufike khona.