Iingcebiso zokunceda izibini ezitshatileyo ziceba ukuhlala phantsi
Izibini ezitshatileyo zisoloko ziceba ukukwenza: indlu yokuqala, abantwana, ikhefu leeholide, indlu yephupha, iikholeji. Kulula ukungawuboni okanye ungakuhoyi ucwangciso lomhlala-phantsi olwabelwana ngawo. Musa ukuvumela oku kwenzeka. Iminyaka yegolide ingase ibe yinto engcono kakhulu yomtshato wakho, ukuba uqonda ezinye iinjongo, iimfuno kunye nokulindela. Nazi izicwangciso ezintandathu zokucwangcisa umhlalaphantsi njengesiqabane.
01 Xoxa ngeenjongo zakho ezinkulu-zithombe
Hlala phantsi kunye nomlingane wakho kwaye wabelane ngomnye wakho umhlala-phantsi ofanelekileyo. Omnye wenu unokucinga ukuba umhlala phantsi kwi-45 ngelixa elinye elonwaba ukusebenza ngonaphakade Ngokukhawuleza ukuba uyayazi injongo yomnye, ixesha elide ufanele usebenze ekujonganeni ne-compromise kunye nesabelo esabelana ngaso. Ngamnye wenu ekugqibeleni unembopheleleko yokuthatha umhlalaphantsi wakho, kodwa njengokuba wenza izigqibo zemali namhlanje kufuneka ulondoloze umhlalaphantsi kunye. Ngaba lakho iqabane lithatha inxaxheba kwi- 401 (k) ? Ukuba akunjalo, ngaba unokukwazi ukufaka enye ingeniso yentlawulo engaphambi kweerhafu kwisicwangciso sakho ukuhlangabezana neemfuno zakho? Ukuba elinye iqabane lingasebenzi ngaphandle kwekhaya, unokufuna ukuqwalasela i-Spousal IRA, ekuvumela ukuba ubeke eceleni iifom kwi-akhawunti yengeniso-mali etsalwe irhafu ngenzuzo yomlingane ongasebenzi. Izibini ezitshatileyo zinethuba elikhulu lokukhulisa ingeniso yezoKhuseleko loLuntu kwixesha elizimeleyo ngokwamanqanaba abo kunye nabalingani babo ngendlela efanelekileyo. Yiyiphi indlela ixhomekeke kuwe, iminyaka yakho, iminyaka yobudala bakho kunye neqabane lakho. Inkqubo yokucwangcisa ngokucophelela kwiminyaka engaphambi kweminyaka engama-62, eyona yokuqala apho ungaqala ukuqokelela khona, ingenza umehluko kwiholo lakhe kunye nengeniso eqinisekisiwe yobomi. Ngokuxhomekeke kwinqanaba lakho ebomini, unokukwazi ukulinganisa indlela oza kuyidinga ngayo umhlalaphantsi. Mhlawumbi uqinisekile ukuba unokwenza uhlahlo lwabiwo-mali kunye nesiqingatha semali yakho yangoku engenayo, kodwa iqabane lakho lifuna indlela yokuphila eya kufuna inqanaba elifanayo lemali oyifumanayo namhlanje. Ukulungelelanisa oku kulindeleke kukukunceda ukwakha icebo elingakumbi. 05 Hlola abaxhamli bakho
Khumbula xa uqale uqale 401 (k)? Kufuneka ufake igama lomntu omnye okanye abaxhamli abaninzi, abantu abaya kufumana imali ukuba ufanele udlule. Qinisekisa ukuba olu lwazi luye lwahlaziywa ukususela kumhla ngokukhawuleza, kwaye uphinde uphinde uhlaziywe ngokubakho nawuphi na umcimbi osisigxina somtshato, njengomtshato, ukuzalwa komntwana, umtshato okanye ukufa kwintsapho. Ukutshintsha abaxhamli bakho banokwenziwa ngokulula ngokuqhagamshelana nenkampani yakho ye-brokerage ukuba unayo i-IRA okanye ummeli wabasebenzi olawula inkampani yakho 401 (k) isicwangciso. 06 Musa ukususa phantsi kwixesha elifanayo
Thatha kumntu othabatha umhlala-phantsi owenze oko, ehlala phantsi ngexesha elifanayo njengoko iqabane lakho livakala ngathi lihle, kodwa ngokwenene kunokuba luninzi utshintsho olunzima kubantu ababini ukuba bahlangane kunye. Ngokuthatha umhlalaphantsi, umlingane ngamnye ufumana ingqondo engcono kwimihla ngemihla, izinto ezithandwayo, iimfuno kunye nobomi bentlalo ngaphandle kwekhaya. Ukuba unomtshato onoyolo, akufanele uxoxe ngomtshato ngokumalunga nesicwangciso sakho somhlalaphantsi. Kodwa ukuba umtshato ufike ekupheleni, i-asethi yomhlalaphantsi ihleli etafileni, kwaye kufuneka usebenze ukuze ugcine ukhuseleko lwakho lomhlalaphantsi kunye nesicwangciso sexesha elide. Ukuhlukana kweempahla zomtshato kunokwandisa kwizicwangciso zomhlala phantsi, okubandakanya into ebizwa ngokuba yi- internship order order (QDRO) ukuhlula imali ngaphandle kokuhlawulwa kwangaphambili. Unokuba nelungelo lokuncedisa umtshato ngokuthatha umhlalaphantsi. Abafazi abatshatileyo okanye abafelokazi bafanelekile ukufumana inzuzo yezoLuntu kwiRekhodi yomlingane.