Ngaphezulu kwama-40 noNcinci ukuya kwiNgxowa-mali yomhlalaphantsi? Akunjalo kakhulu.
Ukuba ungowesinye sezigidi zabantu baseMelika abangaphaya kwe-40 kwaye bengenayo iqanda elikhulu lomhlalaphantsi, musa ukuphelelwa lithemba. Akusekho ixesha elide, kodwa kufuneka usebenzise ezinye izicwangciso eziza kukubuyisela kumkhondo.
Linganisa Kangakanani Okufunekayo Ngomhlalaphantsi
Hlalisa malunga nokuba ungakanani imali oya kuyidinga ukuba uphile kulo mhla umhlala phantsi. Musa ukugxilwa ngeengcebiso eziphikisanayo malunga nendlela yokubala imali.
Isimboli se-ballpark yindawo efanelekileyo yokuqala. Cinga ukusebenzisa i- calculator yomhlalaphantsi ukukunceda ukuba ubone ukuba uzakufuna phi ukuba ube khona.
Bala iMithombo Yenzuzo Yakho
Emva kokuba unengcamango yokuba uyakufuna umhlala-phantsi, phila oko kuza kufumaneka kwimithombo ngaphandle kokugcina kwakho. Ngokomzekelo, yintoni inzuzo yakho yokulondeka kweNtlalo ngexesha lomhlalaphantsi ? Ngaba wena okanye wakho umlingane unempesheni kumqeshi wangaphambili okanye wangoku? Ukuba unesicwangciso se-401 (k), yiyiphi ixabiso elilindelekileyo kwixesha lakho lokuhlala umhlalaphantsi ? Sebenzisa umlinganiselo wokukhula okhuselekileyo ukukhusela ukugqithisa.
Beka Iinjongo zeMali
Beka iinjongo zokufikelela kwisixa oza kuyimfuneko ukuba wenze umehluko phakathi koKhuseleko loLuntu , ipensheni kunye nayo nayiphina imali ehlala phantsi.
Max Out Your 401 (k)
Ukuba umqeshi wakho unama- 401 (k) okanye i- 403 (b) okanye enye isicwangciso somhlala-phantsi somrhumo wokuzithandela, kwaye ungenayo inxaxheba, bhalisa namhlanje kwaye uzama ukufaka isandla esiphezulu esivunywe ngumthetho.
Khumbula ukuba ukugcinwa kweerhafu kwiihlomelo zakho kuya kunciphisa umonakalo. Ukuba uhlala kwibhonksi yerhafu yokufumana irhafu kunye ne-state engama-35 epesenti, igalelo lakho liyakukuhlawula kuphela i-65 cents kwi-dollar yonke oyifake kwi-akhawunti yakho. Ukuphonononga umlinganiselo we-401k kunye ne-Pension Plan Limits kulo nyaka werhafu kwaye ujonge nokwenza "i-catch-up" iminikelo.
Ukuba umqeshi wakho ulinganisa ipesenti yegalelo lakho, loo mali ikhululekile kufuneka ungadluli. Yongeza umlinganiso wakho womqeshi kwiminikelo yakho yokuthatha umhlalaphantsi kwaye uya kuba neyongezelelweyo isamba esimalunga nama-364,000, ucinga ngokulinganisa i-50% yeqesha lomqeshi, ubuninzi beedola eziligidi.
Yiya kwiRoth
Ukuba wenza phantsi kwemingeniso yengeniso, unako ukufaka isandla kwiRoth IRA ukongezelela kwi-401 (k) okanye 403 (b) isicwangciso. Igalelo ayinako ukuhlawulwa kwentlawulo, kodwa i-earnings iya kuba yerhafu kwi-retrait. Igalelo elikhulu kwiRoth IRA ngo-2006, ukuba uneminyaka engaphantsi kwe-50 ubudala i $ 4,000 (i-$ 5,000 xa uneminyaka engaphezulu kwama-50). U-4,000 $ ngonyaka uza kufikelela kuma-208,000 kwi-21 kwiminyaka engama-7 epesenti yokubuyisela, kwaye awuyi kuhlawulwa irhafu kwi-Roth IRA yakho.
Musa ukuba ngumntu oqaphelisayo
Kule minyaka engama-45 okanye eyi-50 ubudala, unemihla emininzi kwimali yakho yokufumana umhlalaphantsi ukuze ukhule, ngoko-ke makutyele ipesenteji enkulu ekuphenyweni ngokucokisekileyo, kwiimpahla ezinokungqinisiswayo, okanye ezingcono, kodwa imali ehlanganyelweyo .
Cinga ukufuduka okanye ukunciphisa
Ukuba uhlala kwindawo eneendleko eziphezulu zokuphila, ukuhamba kwindawo engabizi kwaye ukutshala imali yakho yokuthatha umhlalaphantsi kunokukwenza umehluko omkhulu kumandla akho okuhlalisa iqela elihle leendleke.
Ukuba abantwana bakho baye bashiya isidleke kwaye usaphila kwindlu enkulu eye yaxabisa ngokuxabisekileyo, cinga ukuyithengisa kwaye uthenge indlu encinane, engabizi. Awuyi kusindisa kuphela ukuhlawulwa kwemali yakho, kodwa kwiindawo ezingabonakaliyo ezinjengeendleko zokufudumala, ukupholisa, ukuqinisekiswa, nokulungisa ikhaya lakho, irhafu yepropati , njl. Unako ukukhupha yonke imali yokugcina umhlalaphantsi okanye ukusebenzisa ezinye zazo ukuvuyela ubomi bakho ngoku.
Thatha kwiJobhi yesiBini
Ukuba unenkxalabo yokuba unako ukuqokelela imali eyaneleyo yokuthatha umhlalaphantsi, cinga ukuthatha umsebenzi wesibini kwaye utyalole umvuzo wakho.
Dlala iCatchup
Imithetho yerhafu ngoku ivumela ukuba abangaphezu kwama-50 banikele ngokuncinci kwi- 401 (k) -ppe plans for retratirement kunye nee-IRAs, ngoko banokwenza okuncinci njengokuba besondele kwiminyaka yobudala. Sebenzisa le nto ukuba uneminyaka engaphezulu kwama-50.
Ukuhlawula amatyala
Ukuba uthetha iwaka leedola zama- credit balance and uhlawula iintlawulo ezincinci nganye ngenyanga , ukugcinwa kwakho komhlala-phantsi kunokuya ngqo kwikhampani yekhadi lakho lekhredithi ngendlela enomdla. Ukuhlawula kuphela inkokhelo encinci kumakhadi-mboleko ngenye yeephoso zemali ezimbi kakhulu ongayenza. Qala ukusebenzisa isicelo kangangoko kunokwenzeka kwiibhalansi zakho zekhadi lesikweletu kwaye xa zihlawulwa, zigqibo ukuhlawula ibhalansi ngokupheleleyo ngenyanga. Uya kumangaliswa ukuba imali ekhulula ngayo imali yokugcina umhlala-phantsi ngexesha.
Omdala ulapho uqala ukugcina ngokugqithiseleyo umhlalaphantsi, kunzima ukuba usebenze kuwo, kodwa unokuyenza ngokulandela icebiso elingentla, ngoko ungavumeli ukungathandabuzeki okanye ukudikibala kukugcine ekubeni uqale ngoko nangoko, kungakhathaliseki lakho leminyaka.