Ukucwangcisa umhlala-phantsi kunokudideka kwaye kunokuba nzima ukukwazi ukuba ungaqala kuphi. Ukususela ekuqaliseni isicwangciso sakho somhlala-phantsi ukudibanisa utyalo-mali lwakho lomhlalaphantsi ufunde oko kufuneka ukukwazi ukuba uqalise. Kubalulekile ukuba uqonde i-akhawunti yakho yomhlala phantsi ukuze ukwazi ukucwangcisa umhlalaphantsi ngokufanelekileyo. Kufuneka uqale ukugcina umhlalaphantsi kunye nomsebenzi wakho wokuqala , kodwa ukuba awuzange uqalise okwamanje, kufuneka uhlawule namhlanje. Ungakwazi nokuqala ukugcina umhlalaphantsi ukuba awufaneleki kwi-akhawunti ye-401 (k) ngomqeshi wakho.
01 Ndingayifumana Njani Imali Yokulondoloza Umhlalaphansi?
02 Ndingayigcina Kangakanani Umhlalaphansi?
Uyazi ukuba kufuneka usindise umhlalaphantsi, kodwa ungazi ukuba ungakanani loo nto ifanele ibe. Ukuba unenkxalabo yokuba awulondolozi ngokwaneleyo, okanye unqwenela ukuba unokufumana imali encinci yokuchitha inyanga nganye, unokuba ukhangele iminikelo yakho yomhlalaphantsi kwaye uzibuze ukuba kufuneka ulungelelanise.
03 Kutheni Ndifanele Ndikhulise Umhlala Wethu Wokugcina Umhlala-phantsi kwiMarike ye-Bear?
Imarike ephantsi okanye i-market yeebhere ingenza unqabise ukutyalo-mali kwiimpahla okanye ukugcina umhlalaphantsi, kodwa kubalulekile ukuba uqhubeke nokugcina kunye nokutyalomla ngethuba loqoqosho olunzima.
04 Uza kuthintela njani ukukhuselwa kweNtlalontle?
Abazali bethu bakhula kunye nesithembiso soKhuselo loLuntu xa kufika ixesha lokuthatha umhlalaphantsi. Ngaba unayo i-luxury efanayo? Kutheni kufuneka uhlawule ukhuseleko lwezeNtlalo? Fumana iimpendulo kule mibuzo nangaphezulu.
05 Ndingayilungiselela njani umhlala-phantsi xa andingazi lutho malunga nokutshala imali?
Ukucwangcisa umhlala-phantsi kunye nokulondoloza kungenza inkqubo yokudideka. Kubalulekile ukuba ungavumeli ukudideka kwakho kukuyeke ekucwangciseni ikusasa lakho. Funda amanyathelo okuqala oyifunayo ukuqala ukugcina umhlalaphantsi.
06 Uza kuthatyathwa njani imali kwi-401 (K) Yithintela Kwakho Ukuthatha i-Pay Pay yasekhaya?
Ukutshala imali kwi-401 yakho (k) okanye 403 (b) kunokunciphisa umvuzo wakho ekhaya, ekubeni ihlawula imali engenayo. Enyanisweni unokumangaliswa ukuba unako ukufaka isandla ngelixa lihlehlise kakhulu ukuhlawula imali yakho. Funda ukuba ungayifumana njani ukuba ungayongeza ngaphandle kokuchaphazela kakhulu uhlahlo lwabiwo-mali.
07 Kuthetha ukuthini ukunikezelwa kwi-My 401 (K)?
Xa unikwe kwi-401 (k) yakho, kuthetha ukuba unokuthatha igalelo lakho kunye negalelo lomlinganiso wakho nomqeshi xa ushiya umsebenzi wakho. Udinga ukuthetha neSebe lakho lobutyebi ukuze ubone indlela umqeshi wakho aphatha ngayo le mibuzo.
08 Ndiyifumene noMdlali wam Umqeshi - Ngoku Ndingenzani?
Kubalulekile ukuba usebenzise umdlalo womqeshi wakho, kodwa ngaba kukho ezinye iindlela omele uziqwalasele emva kokuba ufikelele kuloo mdlalo? Unokufuna ukufunda indlela yokukhulisa irhafu yakho yokugcina umhlala-phantsi ngaphandle kokwenza imali eninzi yokwenza imali.
09 Ngaba kufuneka ndikhethe i-Traditional or Roth IRA?
Kubalulekile ukuqonda iintlobo ezahlukeneyo ze-IRA ukwenzela ukuba ukhethe lowo oza kusebenza kakuhle kuwe. I-IRA yendabuko inokunciphisa imali engenayo yerhafu, kodwa iRoth IRA iyakhula inkululeko. Nguwuphi na onelungelo kuwe?
10 Ndingawuvula phi i-IRA?
Kukho iinketho ezininzi ezifumanekayo xa kuziwa ekuvuleni i-IRA (i-Akhawunti yoMhlala-phantsi ngamnye). Kubalulekile ukuqwalasela izinto ezininzi xa unquma ukuvula i-IRA yakho. Umzekelo, ukuba uyayifaka xa usondela kumhlalaphantsi, ngoko awuyi kufuna ukuyibeka kwiimali, kodwa xa usemncinci ungadinga ukhetho oluphezulu.
11 Ngaba Ndimele Ndiyigcine Ngomhlala-phantsi Nangona ndikholeji?
Abantu bathi ngaphambili uqala ukugcina umhlala-phantsi ube ngcono. Kodwa ngaba le ngcebiso iyasebenza xa usaya esikolweni?
12 Ngaba Ndimele Ndiyigcine Ngomhlala-phantsi okanye Umntwana WaseKholeji Imfundo Yokuqala?
Ukugcinwa komhlalaphantsi kunye nokugcinwa kwekholeji zibini ezibalulekileyo, ngoko unokugqiba njani ukuba ubani oza kuqala kwisicwangciso sakho semali. Ukuthatha umhlala-phantsi kuya kukhusela ikusasa lakho kwaye kukugcine ungabi ngumthwalo kubantwana bakho.
13 Kuthiwani ukuba uMqeshi wam kuphela unikeza iPension Pension?
Isicwangciso somhlalaphantsi isicwangciso somhlala-phantsi umqeshi wakho angasinikela endaweni ye-401 (k). Umhlala-mali uya kuhlawula imali ehleliweyo kuxhomekeke kumvuzo wakho kunye neminyaka yenkonzo. Unokudinga ukulungelelanisa yakho iminye iminikelo yomhlala-phantsi ukuba uthembele kumhlala phantsi njengenxalenye yomhlalaphantsi wakho.