Ukulondoloza umhlalaphantsi kubalulekile. Xa ulondoloza umhlala-phantsi ulondoloza ixesha lakho elizayo. Xa ulahla umhlalaphantsi ubeka umngcipheko wokungakwazi ukuzinyameka xa usukhulile. Iinjongo zakho zomhlalaphantsi kufuneka zize phambi kokulondolozwa kwimfundo yabantwana okanye ukuya kwiholide. Ekuqaleni uqala ukulondoloza ngaphantsi uza kuyidinga ukubeka eceleni nganye inyanga ukufikelela kwiinjongo zakho zokugcina umhlalaphantsi . Njengoko ucwangcisa unyaka omtsha , kufuneka uqwalasele ezinye iinjongo zemali ukwenzela ukuba ukwazi ukulungisa umfanekiso wakho wezezimali kulo nyaka. Kubalulekile ukuba ukhumbule ukwenza ezi njongo zifikeleleke ukuze uzinamathele nabo .
01 Indlela Yokuqalisa Ukulondoloza Umhlala-phantsi
02 Ndingayigcina Kangakanani Umhlalaphansi?
Omnye umbuzo oyintloko kukuba ungayigcina kangakanani umhlalaphantsi ngamnye kunyaka kunye nenyanga nganye. Uninzi lweengcali zivuma ukuba kufuneka ubeke iipesenti ezilishumi elinesihlanu zomvuzo wakho ngokuthatha umhlalaphantsi. Le mali ingabonakala ngathi ininzi ukuba awuzange uqale, kodwa ungasebenzisa indlela yakho kule nombolo. Funda amacebiso angakunceda uqale amancinane kwaye ufikelele kwiinjongo zakho zokugcina umhlalaphantsi. Nangona uvakalelwa kukuba awukwazi ukukwazi ukugcina umhlalaphantsi , kufuneka uqale ukugcina namhlanje.
Ama-Akhawunti kaMhlala-phantsi we-Self-Employed
Ukuba usebenza ngokuzimeleyo, kufuneka uqale ukucwangcisa umhlalaphantsi ngokukhawuleza. Ngeke ube nethuba lokusebenzisa ngokunxulumene neenkqubo ezifanayo zomqeshi okanye ukukwazi ukuthenga okukhethwa kwezinto. Kubalulekile ukuba uceba isicwangciso esilandelayo ukususela xa uqala ukuzisebenza. Funda malunga neakhawunti ezikhethekileyo zomhlala-phantsi ezifumaneka kubasebenzi abazisebenzayo.
04 Ukuqonda yakho 401 (k)
Uninzi lwabantu bafaka imali kwi-akhawunti yabo yomhlala-phantsi kwi-401 (k). Le ngxelo eyenziwa ngabaqeshi ukunceda abasebenzi babo basindise umhlalaphantsi. Umqeshi wakho unokubonelela ngemveli 401 (k) kunye neRoth 401 (k). Unakho kwakhona ukhetho lokukhetha umngcipheko kunye nokubuyela kwinqanaba kwiimali ozimelayo. Funda ukuba yiyiphi iakhawunti omele ukhethe. Umqeshi wakho unokubonelela ngesicwangciso somhlala - phantsi endaweni ye-401 (k), kuya kufuneka ulungelelanise isicwangciso sakho sokugcina umhlalaphantsi kunye nomhlalaphantsi . Kufuneka uthabathe ixesha lokuqinisekisa ukuba uyaqonda ukuba umqeshi uyinikela.
05 Funda malunga neAvidual Retirement Accounts
IRA (i-akhawunti yomhlalaphantsi ngamnye) i-akhawunti onokuyivula ukuze ulondoloze umhlalaphantsi. Unokuvula le akhawunti kwiibhanki okanye kwi-firm firm. Unokukhetha izixhobo ezahlukeneyo (iiCD, ii-funds, kunye nezibophelelo) ukuxhaswa ngala ma-akhawunti kwaye uncede ukukhulisa imali yakho yomhlalaphantsi. Kananjalo unokhetho phakathi kwe-IRA yendabuko kunye neRoth IRA. Ukuba ungumzali wokuhlala ekhaya ungakwazi ukufumana i-IRA yomtshato. Kubalulekile ukucwangcisa umhlalaphantsi njengomzali wokuhlala ekhaya . Ufanele ube ne-IRA xa ulinganisa umdlalo wakho nomqeshi kwi-401 yakho (k). Oku kuyindlela yokuqalisa ukugcina umhlalaphantsi ukuba awufaneleki u-401 (k) ngomqeshi wakho.