Iingcebiso zokutyalomali ngaphantsi kwe-30

Ezinye Iingcamango Zabo Abafuna Ukuqalisa Ukutyalomali Ngaphambi Kokuzalwa Kwama-30

Njengomntu ofikelele ekuzimeleyo kwezemali ngokukhawuleza ebomini bam, kwaye ngubani oye wabhala ezininzi kwiblogi yam ebhetele kwiminyaka, ngamanye amaxesha ndibuzwa malunga nezicwangciso kunye neengcamango ezinxulumene nokutyalomali ngaphantsi kwe-30; yintoni umntu omncinci omele ayenze ukuze akhusele ikusasa lakhe lemali. Ndiyathokoza nanini xa ndilapha kuba kuthetha ukuba umntu usele ndleleni efanelekileyo, kaninzi ngelixa kusekho ixesha elincinci elincinciweyo litsalwa liyakwazi ukujika libe yi-redwoods enqabileyo.

Nangona akusiyo imfihlo yokuba amandla okwenza iziphumo ezinobungcali xa uqala ukubeka imali yakho ukusebenza kusekudala ebomini-nokuba ixabiso elincinci libekwe kwipotfoliyo enhle, ehlelwe kakuhle yezinto ezinokuvelisa ezifana nezitokisi , iibhondi , i-real estate, kunye namashishini abucala angaguqukela kwi-fortune-generational benefit fortway-ininzi-mali-abatshali-mali abathathu okanye abatsha abanalwazi ukuba baqale kuphi.

Okokuqala, ke, makhe sijonge ngelo xesha sizuze ngokunjalo ukuba uyayiqonda ubuninzi bezenzo zokubambezeleka kwezenzo.

Xa Uqala Ukutyalo-mali Ngaphantsi kwe-30, Uzinikezela ixesha elide lokuPhila-Ukwakha iNzuzo

Makhe siqwalasele izinto ezimbini. Ngowokuqala, umntu oneminyaka eyi-18 osebenza nzima wenza isigqibo sokuba uya kubeka eceleni i-$ 500 ngenyanga ukuya kwipotfoliyo ye- chip chip ; into enokuyenza xa umntu enakho i-convercum ye-drive kunye neengqondo ezingekho kwiimeko eziqhelekileyo ezifana neentlekele zonyango okanye ukukhubazeka ngokomzimba.

Akaze acwangcise ukwandisa le mali kunye nezinga lokunyuka kwamaxabiso . Ngaba iziphumo zexesha elide zala mabanjwa, njengeklasi ye- asethi , ukulinganisa nexesha elidlulileyo leminyaka yexesha elidlulileyo okanye enjalo, unokulindela ukuzifumana ehlezi kwi-$ 7,306,484 okanye ngethuba lokuthatha umhlala-phantsi kwi-65. ekupheleni kwexesha lokuphila kwakhe eUnited States, ufumane i-$ 30,696,747.

Ukuba uphatha le ngqwaba yemali eyinkunzi njengengceba-ubutyebi ngokupheleleyo ngaphandle kwayo nayiphi na enye imali efunyenwe ngethuba lokuphila kwakhe, kuya kuba yinqaba enkulu yokufihla ukufikela abantwana bakhe, abazukulu, kunye / okanye inceba. Akukho ukuphakama okunzima okufunekayo, nje ukukwazi ukubeka ingqalelo ukukhishwa kwemali kunye nokuthengiswa kwemakethe ye-stock ngenkathi uhlezi emva kwaye uvuselela igalelo ; ukukhetha isicwangciso esisekelwe kwisistim okanye esilinganisiweyo sokuthenga ixesha kunokuthengisa ixesha, elingenakwenziwa nanoma yisiphi iqondo lokuvumelana okanye ukuqikelela.

Ngakolunye uhlangothi, ukuba lo mtyalo-mali lowo walinda de ube neminyaka engama-40 ubudala ukuba aqale ukukwakha iphothifoliyo-eselula kakhulu kwaye engaphelelanga kwinqanaba lobomi lobomi-wayephela kuphela nge-$ 686,480 nge-65 kunye ne-$ 3,041,147 ekugqibeleni lobomi bakhe; ukunciphisa ngokukrakra kwama-90 ekhulwini kwiimeko zombini. Ukugqitywa ngesantya esifanayo ayenako, umtyalo-mali uza kufuneka abeke eceleni i-$ 5,322 ngenyanga ukuze afinyelele injongo yakhe ngo-65, okanye i-$ 5,047 ngenyanga ukwenzela ukuba afinyelele injongo yakhe ekupheleni kwexesha lokuphila. Ibuyela kumzekeliso omdala, "Ixesha elihle lokutshala umthi ulilo. Kwishishini lotyalo-mali, elibala inani lexesha elihle.

Uluhlu oluPhezulu loHlolo lokuTyala imali engaphantsi kwe-30

Utyalomali ongaphantsi kweminyaka engama-30 uhamba njani ekwakheni iphothifoliyo yokutshala imali? Nangona imeko yakho ingahluka, kwaye ingafuna iinkonzo zomcebisi-mali obhalisiweyo , ngokuqhelekileyo, ndicinga ukuba isicacisi esinokugqithisa singakhangela into enje ngolu hlobo ucinga ukuba uyenzile kwaye unelungelo lokuba nethemba lokuthembela .

1. Nika i- 401 (k) isicwangciso okanye esinye isicwangciso somhlala-phantsi esifanelekileyo somsebenzi, ubuncinane ukuya kwisixa somdlalo wenkampani, ukuba kukho. Izinzuzo zerhafu zininzi (ukuncitshiswa kweerhafu kwi-payroll ngexesha lokuxhaswa ngemali, kunye nemali yakho inokukhula ihlawulwe irhafu, mhlawumbi kwamashumi eminyaka kuxhomekeke kwiminyaka yakho kunye nokuzimisela ukushiya kwi-akhawunti emva kokuba uhlala phantsi ukunikezelwa okusemthethweni kweminyaka yobudala engama-70.5), ngokukhawuleza ufumana ukubuyiswa kwangaphandle ngenxa yesiphumo esiphezulu somnikelo womqeshi, kwaye unokukhuseleka okungenamkhawulo ukukhusela i-asethi yakho phantse kuzo zonke iimeko, nto ithetha ukuba uyacinywa, unokukwazi ukugcina imali yakho yokuthatha umhlalaphantsi ngaphaya kokufikelela kwabathengi-mali ukwenzela ukuba akudingeki ukuba uqale ngaphaya xa uvela kwi-courtroom. Kuyafana neqabane lakho ukuba utshatile (enye enye inzuzo yemali yomtshato ). Unokukhetha ukuqokelela imali yeendleko eziphantsi kweendleko njengoko ezi phantse zihlala zingcono kakhulu ukuba ungasebenzela inkampani enkulu.

1. Nika i- Roth IRA, ukuba ufanelekile, kuba kuhle kakhulu ukuba ibe yindawo yokukhusela yentlawulo epheleleyo eyenzelwe ininzi lamakhaya aseMerika . Nangona awuyi kufumana irhoxiso yerhafu ngelixa i-akhawunti ixhaswa ngemali njengoko uyenayo nge- IRA yeNdabuko , okwangoku ukukhuselwa okukhuselekileyo kwezi-7 ngokumalunga nababolekisi kufuneka uvakalise i-bankruptcy (ephezulu ngaphezulu kokukhusela okungenamkhawulo (i) sixoxe ngomzuzwana esedlulileyo) kwaye, ngokungakhathaliseki ukuba ungayiphuli imithetho ethile, imali kwiRoth IRA yakho ayisoze ilawulwa nayiphi irhafu yentlawulo yasekhaya, i-Federal, urhulumente, okanye ummandla, kwakhona kwakhona kungakhathaliseki ukuba lukhulu kangakanani (ngaphandle kokuba, ngokuqinisekileyo, iCongress ithintsha imigaqo ebeyenzayo ukususela ekuqaleni).
2. Cinga ukusetyenziswa kwe-Akhawunti Yokugcina Impilo (i-HSA) imimiselo yokuguqula ngokufanelekileyo i-HSA kwi-IRA yesithathu. Akufezekanga kodwa yinyaniso ngokwenene kwiintsapho ezithile.
3. Ukuba unjengamanani amaninzi aseMerika awela phantsi komda othile ohlawulelwayo, ungakholelwa ngokupheleleyo kwizinga likaRhulumente ukusuka kwiirhafu kwizabelo kunye nemali eyinzuzo . Oku kuthetha ukuba unokuqokelela amawaka, okanye amawaka eenkulungwane, zeedola ngemali engenayo engenayo ngonyaka kwaye ungenanto kuwe. Ngenxa yoko, kunengqiqo kule ngqalelo ukucinga ngokuseka i- akhawunti yomrhwebi ehlawulwa ngokuthe ngqo kwaye uyizalise ngeqoqo edibeneyo ye-dividend ephezulu kunye ne- stock growths stocks . Ukuba ukhetha, unako ukuseka ukuthengwa kwesitotho ngqo kunye ne- dividend plan revestment plan akhawunti , endaweni yoko. Ufumana ingxelo evela kwi-ejenti yokudlulisa inkampani ibonisa ukuba bunini ubunini obunini kwi-firm. Xa inkampani ithumela i-dividend, ufumana iphepha lokukhangela kwi-imeyile, idiphozithi ngqo kwi-bhanki yakho okanye i-akhawunti ye-brokerage ekhethiweyo, okanye unaloo mahluli ahlwayelwe kuyo (ngokuqhelekileyo) athathwe ngexabiso.

Into ephambili, kunye neyona nto ndihlala ndiyibumba ngeblog yami, kukunyuka kwento endiyithathileyo ekubizeni "injini yakho yezoqoqosho". Ezi zizinto ezivelisa imali yokuqala ekutyala imali kuwe okokuqala. Enye yeenjini zam zokuqala, indlela yokubuyela emini, yayiyinkampani yamabhinqa yileta yam indoda kwaye ndaqala ukusuka kwikholeji yethu. Kanye kunye nezinye iirakhi zeekhredithi zemali, zanikeza inxalenye yentembelelo yokuqala eyasinika ithuba lokuqokelela amanye amabanjwa aqhubeka nokuvelisa ukuhamba kwemali yabo, i-ad infinitum. Oku kuthetha ukuba, xa usesikolweni sonyango, qwalasela okhethekileyo okukuvumela ukuba ufumane imali eninzi kwi-trade-off uzimisele ukuyifumana ukuze ufumane ubomi kunye nolonwabo. Ukuba ungumnikazi webhishini elincinci , fumana indlela yokwandisa inzuzo yakho ukuze ube ne powder eyomileyo ukutyalomali.

Nantoni na oyenzayo, mngeni omkhulu kunokuba unokujamelana nayo njengotyalo-mali ngaphantsi kwe-30 kukulingwa ukwenza into ethile ; ukuthengisa ngaphandle ngexesha lokutya, ukuthenga ngaphezulu ngexesha lamabhule. Ubume buntu. Nangona ukwenza imali kulula, uqoqosho lwezolawulo luye lwabonisa ixesha nokuphindaphindiweyo ukuba abantu baninzi bengenangqiqo kwaye baba yinto yabo eyona nto intsha.