Ingaba unika imali ngeeholide, ukuzalwa, okanye ukugqweswa, nantsi isikhokelo kwindlela efanelekileyo yokunika izinto eziluhlaza.
Nquma Oko Ufuna Ukukufeza
Ngaphambi kokuba unike isipho semali, kubalulekile ukuqonda ukuba kutheni ukwenza. Ngaba ukhangele ukuxhasa iinjongo ezizayo njengekolishi okanye umhlalaphantsi ? Ngaba ufuna ukufundisa umntwana ukuba atyala njani kwiimpahla okanye kwiimali ezihlangeneyo? Ngaba injongo yakho ukubona ubumnandi ebusaneni bakho xa eqonda ukuba unayo imali yokuthatha isigqibo sokuba asebenzise njani? Okanye ngaba ungowokulahlekelwa ngokupheleleyo malunga nokuthenga umntwana wakho?
Naluphina kwaye konke kulungile, kodwa kufuneka kulandelwe ngeendlela ezahlukeneyo kuchaza uSusan Beacham, umsunguli weMali Savvy Generation kunye nombhali-mbhalisi we-"OMG: IsiKhokelo semali esisemthethweni kubaFundi beeKholeji." Omnye umkhosi omkhulu: "Ukuba ufuna ukunika imali njengesipho, qiniseka ukuba isipho kwaye asinayo iminqamle, "utsho. Yaye ukuba uyagqiba ekubeni unamathele eminye imicu?
"Qinisekisa ukuba uphambili kakhulu."
Qonda ukuthetha kweCash ... kummkeli
Nayi indlela efanelekileyo yokudumala umzukulu oneminyaka engama-7 kwiKrisimesi: Faka isheke kwindawo yokugcina impahla. "Ukuba ulindele impendulo enkulu kumntwana, awuyi kuwufumana," kusho uBeacham. Kumntwana omncinci, isheke ayikho imali engasetyenziselwa - ingqiqo.
I-Cash ibhetele, kodwa nokuba oko kufanele kube kwifomu umviwa angayiqonda. I-dollar eyi-dollar ayikhulu ubukhulu obufana neyeshumi ubukhulu bufana neshumi, "utsho. "Abanye abantwana bayifumana. Uninzi lwabantwana alukho. "Kwaye nabo bafana nabantwana abayaziyo bayazi nokuba akukho mntu uya kubavumela ukuba baxhome kwi-bill dollar ayikhulu kakhulu.
Ngoko ke, ukuba ufuna ukugcina isipho ngemali, yiphule phantsi ibe yincinci umntwana angakwazi ukutshintshana kunye nabo ukuze bafunde ukuphatha imali. Kubantwana abancinci, qwa lasela i-quarter of quarters (xa kunjalo, ukuba ayingabancinci kakhulu iikota zibonisa ingozi yokukhahlela!). Kubafundi abaselula nabaselula, banika iibhokhwe ngencwadi echaza ukuba kutheni. Beachem ubonisa into enje:
"Yintoni esikunika le holide iyimali. Sifuna ukuba ufumane into ethile ukuba ufuna ngokwenene. Kukulungele ukuba uthenge into oyifunayo njengesiqwenga esitsha sesidada. Kodwa ukuba ufuna ukuyibeka ebhayisekile yakho entsha, siya kuyithanda loo nto. "
Ngaloo ndlela, awunamathanga kuwo, kodwa unikezela ukucaciswa kunye nenkcazo.
Beka izipho ezilindelekileyo ngokunyamekela
Iingcaphephe zincoma ukuba ucacile kwaye uqaphele ngeenjongo zakho xa uqala umzekelo wesipho, ngokukodwa xa unika inani elikhulu kubantwana abadala okanye abadala.
Abamkeli ngokukhawuleza beza kubini babemi kulindeleke kwaye (kwezinye iimeko baxhomekeka kwezi zipho, bahlalutye imali kwiikholeji zekholeji, ukulungiswa kwekhaya, ukuphumla kwenyanga, nokunye. Ukuba injongo yakho isipho esisodwa okanye ukwenza kuphela ngokukhawuleza, vumela abantwana bakho uyazi ukuba isicwangciso sini.
Qonda iMpembelelo yeRhafu
Imithetho yerhafu yokunikezela ngemali iboniswe ngqo. Uvumelekile ukuba unike i-$ 14,000 kumntu ngamnye ngonyaka; lakho iqabane lingenza okufanayo, elivumela isipho esihlanganyelweyo sama-28,000 zamaRandi. Ukuba ufuna ukunikela ngaphezu kwelo, ungazifaka kwi-$ 5 yezigidi-kunye nawe uvumelekile ukuba ulahle ngexesha lokuphila kwakho okanye ekufeni (okubizwa ngokuba yi-Unified Credit). Kodwa oko kuya kubangela imfuneko yokufakela ukubuyiswa kwentela yesipho . (Ezi ntlawulo zikho kwiindawo ngenxa yokuba abatyebi basebenzisa isipho sokuhambisa imali ngaphandle kweendawo zabo ngaphambi kokufa ukuze kungabi phantsi kweerhafu zefa .)
Kuya kufuneka ukuba wazi malunga neerhafu zentsapho, ngakumbi ukuba uceba ukuguqula isipho kwisifundo sotyalo-mali. Olu lungiselelo lwe-IRS lusekwe ukukhusela abazali ababenzi kakuhle kwiibhanki eziphezulu zokuhlawula ukuzama ukukhusela imali ngamagama (kunye neengxelo zokugcina) zabantwana babo ababencinci abangaphantsi koobani abakwii-bracket eziphantsi.
I-$ 1,000 yokuqala yokufumana ingeniso (inzuzo eyinkunzi, inzala, izabelo, njl.) Kwingxelo yomntwana ayikho inkokhelo yerhafu; Amawaka alandelayo ahlawuliswa ngerhafu yentlawulo yomntwana, kwaye nantoni na ngaphezu kwama-2,000 kwiirejista ezingenakulinganiswa ihlawuliswa ngomlinganiselo womzali. Ngoko ukuba uceba ukutshala imali yesipho semali, qonda ukuba kunokubakho impembelelo yerhafu ukuba imali yokutshala imali iphume.
Isipho Namhlanje Ngomso
Enye yeendlela isipho semali esibaluleke kakhulu kukuba ingakwazi ukuxhasa iiphupha ezizayo ukusuka kwikholeji ukuya kumhlalaphantsi, uchaza uChris Chen, uShishini loPhuhliso kwi-Insight Financial Strategists. Kodwa kufuneka uyifake ukusebenza. Ukuba umntwana wakho usebenza, unokwenza igalelo kwiRoth IRA egameni lakhe ngenani elilinganayo nengeniso yabo (ukuya kutsho ngonyaka we $ 5,500). Izipho zibalwa njengenxalenye ye $ 14,000 ovumelekile ukuba ubanike yona.
Xa wenza isipho somnikelo weRoth, hlala phantsi nomntwana wakho kwaye uthethe ngendlela yokutshala imali ukuze ikhule ixesha elizayo (okanye isipho nje kunye neencwadi zezemali.) Ungafaka kwakhona imali i-akhawunti kwi-robo-brokerage njenge-Frontfront yeNtengiso okanye iNgcaciso, ke unike abantwana bakho iphasiwedi ukuze bangene ngemvume baze balandele inkqubela yabo. Ukuba isipho sikholeji, kukho ukubonelelwa kweerhafu (ngokuqhelekileyo kusetyenziswa ngoogogo nomkhulu) ovumela iminyaka emihlanu yezigidi eziyi-14 000 izipho ukuba zenziwe kwangoko kwi-akhawunti engama-529 yokugcina iikholeji. Oko kunika imali ixesha elingakumbi lokuhlanganisa.
Musa Ukukhupha kwi-"Imfaneleko" Umbuzo
Ekugqibeleni, akuqinisekanga ukuba isipho semali siza nempahla. I-Beacm icetyisa ukuba ungaxhomeki kulo. "Musa ukuyixhalabisa," ucebisa. Ukuba kulungile ukuba uyinike, kuya kukuva ukufumana oko.
Kunye neHayden Field