Ukungaphambuki kwiMali-mboleko yeMboleko yabafundi kunokukwenza ukuba umhlala phantsi ungadli kakuhle
Ingxowa yeNgxowa-mali engapheliyo inganciphisa iiNzuzo zakho zoKhuselo loLuntu
Ukhuselo lweNtlalo luyinxalenye ebalulekileyo yomfanekiso wokuthatha umhlalaphantsi kwizigidi zabantu baseMerika.
Ngokubhekiselele kuLawulo loKhuseleko loLuntu , ama-42 million abahlala phantsi kunye nezigidi ezi-3 zabantu abaxhomekeke kwi-Social Protection benefits, ngo-Juni 2017. Ngokomyinge, baqokelela inzuzo yenyanga eyi-1,369.
Ngokubanzi, iNkcazo yeNtlalo ibonisa malunga neepesenti ezingama-33 zengeniso yabantu abadala baseMerika, ngokweSSA. Ukuba unobhanki ekubeni unakho ukufaka izicelo zeNkxaso yoKhuseleko loLuntu kwimhlala-phantsi, kukho isizathu esibalulekileyo sokuqinisekisa ukuba uhlala phezu kwetyala lakho lomboleko. Xa uwa emva kweentlawulo zemali-mboleko yomfundi, urhulumente unokukwazi ukwenza oko ufunwa nguwe ngokugcoba iintlawulo zakho zeNtlalo .
Ingxelo evela kwi-Ofisi ye-Accountability Account yafumanisa ukuba malunga nabangama-114,000 ababolekayo abaneminyaka engama-50 nangaphezulu babe neenzuzo zabo zoKhuseleko loLuntu ezigcinwe ngo-2015.
Ngokomyinge, ingxelo ye-GAO ifumene ukuba umboleki oqhelekileyo wayeneepesenti ezili-15 zeenzuzo zabo zenyanga, eziphezulu ezivunyelwe nguMthetho wokuPhucula ukuThuthwa kweMatyala ka-1996.
Ukusebenzisa i-$ 1,369 ngenyanga emva kwenzuzo njengesikhokelo, loo mali i-205 kwinyanga echithwe phezulu ukuba ibuyisele imali mboleko yomfundi ongekho phantsi, ibuyise imali engenayo yeNhlalakahle yeNtlalo ibe yi-$ 1,164 ngenyanga.
Ukuba awuzange ulondoloze ngokungathi uthanda u- 401 (k) okanye i- akhawunti yomhlalaphantsi ngamnye , awukwazi ukukwazi ukufumana uncedo olususwe kwiintlawulo zakho zeNtlalo.
Indlela Yokugcina Umvuzo Wabafundi Okungagqibekanga Ukususa Umhlala-phantsi wakho
Ukungahlawulwanga kwemali yomfundi kuya kuba yindawo eqhelekileyo phakathi kwabantu abadala. Ngokutsho kweBhunga loKhuseleko lwezeMali zabaThengi , phantse ama-40 ekhulwini ababolekisiweyo ababolekisiweyo ababolekileyo abaneminyaka engama-65 nangaphezulu abakwi-default. Phakathi kuka-2005 no-2015, inani labantu abadala baseMerika abaye bafumana iintlawulo zeNtlalo-ntle ngenxa yokuboleka kwemali-mboleko kwabafundi abayi-8 700 ukuya kuma-40,000.
Ukuba ukugcina umbono wakho woKhuselo loLuntu kubaluleke kakhulu, kufuneka ube nesicwangciso sokugcina ityala lesikhwama somfundi kwisheke. Indawo elungileyo yokuqala kukuhlola umngcipheko wakho wesikolo-mboleko.
Khangela ibhajethi yakho yenyanga . Ingakanani uhlawula malunga neengxowa-mali zakho zabafundi ngenyanga? Iintlawulo zilawulwa njani? Ngaba usenokukwazi ukubanceda xa uhlala phantsi xa izindleko zezindlu zakho zanda okanye ufumana ukuhlawula ngakumbi unyango lwezempilo ?
Ukuba usuvele uvakalelwa i-pinch evela kwiintlawulo zemali mboleko kunye nokuthatha umhlalaphantsi kusekho iminyaka embalwa kude, kukho izinto ezimbalwa ongayenza ekunciphiseni ukuba ungekho.
Okokuqala, ungagxininisa ukunyusa iindleko zakho. Ukuba uchitha imali encinci, iintlawulo zakho zemali-mboleko zabafundi abanokuba nzima ukulawula.
Ukuba unqumle yonke into ongayenza, unokufuna ukucinga ngokutshintsha isicwangciso sakho sokuhlawula. Izicwangciso zokubuyiselwa kwemali ezixhaswe ngemali zithatha ingeniso yakho kwingeniso xa ubeka intlawulo yakho yenyanga. Ukubambisa kukuba ukuhamba kwisicwangciso esithatha ingeniso ukufumana inkokhelo esezantsi kunokuthetha ukuhlawula imali yakho engaphezulu. Kodwa, oko kunokubangela ukwedlula ukhathazeka malunga nokuba ukhuseleko lwakho lweNtlalo luya kunqunyulwa ngenxa yokuba ungekho phantsi kwemali mboleko yakho.
Yaye ukuba uthe wajika, ungakhathazeki okwamanje. Usenokuphepha ukulahlekelwa nayiphi na inzuzo yakho ngokubuyiselwa kwemali mboleko yakho. Ukubuyiswa kwakhona kukuvumela ukuba uhlaziywe iintlawulo zakho ukwenzela ukuba ungabuya kwaye ulandele kwaye uphume ngaphandle.
Uyavuma ukwenza iintlawulo ezithoba zangexesha-nganye kwiinyanga ezili-10. Xa usuwenze oko, awusekho phantsi kwaye akukho naluphi ulungiso lweNtlalo loKhuseleko luyayeka. Unako kwakhona ukukwazi ukudibanisa iimali-mboleko zakho zedolophu , ezinokunciphisa iingxaki zokuhlaselwa kwakhona ngokungekho kwakhona.
Gcina imiNxibelelwano evulekileyo ngeNkonzo yakho yeMboleko
Ukuba unenkxalabo malunga nokunyaniseka kwimali-mboleko yomfundi- nokuba yintoni enokuthetha ngayo ngomhlala-phantsi-into eyona nto ungayenzayo ayikho into. Ukuba ucinga ukuba usengozini yokuwa emva kwesikolo sakho semali-mboleko, faka umboleko wakho wemali mboleko kungekudala. Basenokukwazi ukunikela iinketho zokulawula iimali-mboleko zakho kwixesha elifutshane okanye elide ukwenzela ukuba unandiphe iminyaka yakho emva ngaphandle kokubingelela i-Social Security benefits.