Ukunciphisa iNgxowa-mali yokuThatha umhlala-phantsi iqala ngeNhlangano
Uluhlu Zonke iiAkhawunti zeRhafu
I-akhawunti yokuthatha umhlalaphantsi yinto eyiyo-okanye isicwangciso-esinikezelwe ngumqeshi njengesi-401 (k), 403 (b), icebo le-compact deferred, i-SEP, iSIMPLE, njl., Okanye nayiphi na i-akhawunti yomhlala phantsi njengengxelo ye- IRA . Ukuba unomvuzo obizwa ngokuba yi-IRA ubandakanya apha kuloluhlu. Ukuba uluhlu lwabatshatileyo iakhawunti yakho yomhlala phantsi ngokwahlukileyo kwiakhawunti yomlingane wakho. Ukuba unayo i-Roth IRA okanye i-akhawunti ekhethiweyo ye-Roth ngokusebenzisa umqeshi wakho, dwelisa ezo zilinganiso ngokwahlukileyo kwii-akhawunti zakho zomhlalaphantsi.
Ngoku, khangela ukuba yiziphi iingxelo ongadibanisa ngazo . Umzekelo, yonke i-IRA yakho ingadluliselwa kwi-akhawunti enye ye-IRA kunye ne-401 yakudala (k) izilinganiso ze-akhawunti. Awukwazi ukudibanisa i-akhawunti yakho yomhlalaphantsi kunye neakhawunti yomlingane, nangona kunjalo.
Ukulandelela into oyibe nayo kunye ne-Owe kwiNkcazo efanelekileyo
Ukongeza kwii-akhawunti zomhlalaphantsi, unokuba nezinye i-akhawunti yokulondoloza kunye ne-investment, amasheya, iibhondi, okanye iimali ezihlangeneyo ezingekho phantsi kwee-akhawunti zomhlalaphantsi.
Bhala uluhlu lwama-akhawunti uze uthathe isigqibo sokuba yeyiphi na, okanye nayiphi na imali, oya kuyikhetha njenge-akhawunti yakho yexakeka okanye i-akhawunti yokugcina.
Bhala kwakhona ezinye izinto eziphambili ezifana nekhaya lakho, i-motorhome, ukuqokelela imfuyo, nezinye izinto eziqokelelweyo, njl. Ingcamango apha ayiyi kuluhlula yonke into onayo kodwa ukuba uluhlu lwezinto ezinenani elingazithengiswa okanye lihlaselwe ukuba ungekho embi imeko yemali.
Xa ubhala ezi zinto azifaki ixabiso lazo - zibalwe kwizinto ocinga ukuba unokuzithengisa.
Ukuba unetyala lokuluhlu nabo. Ngokomzekelo, ngakwesokudla sexabiso lakho lekhaya, uya kubhala uluhlu olusalayo lwemali. Emva koko uza kuba nelinye ikholomu elikhupha inkokhelo eseleyo kwixabiso lempahla ukuze ube nexabiso lokuthenga '. Le nkcazo yentengo yemeko kufuneka ihlaziywe ngonyaka.
Yakha i-Income Timeline
Xa uthatha umhlalaphantsi, akusiyo yonke imithombo engenayo iqala ngexesha elifanayo. Ukuba wenza isicwangciso esiqilileyo, uya kuthatha isigqibo sokuzikhethela xa izinto ezithile ziqala, njengezoKhuseleko loLuntu. Ngokomzekelo, ake sithi uya kuthabatha umhlala-phantsi kwi-65, kodwa awuyi kuqalisa ukuKhuselwa koLuntu kuze kube ngu-70. Nangona kunjalo, lakho iqabane, elilingana nawe, liya kuqala ukuqokelela inzuzo yoLuntu lweNtlalo kwi-rekhodi xa yena lifikelela kuma-66 ubudala. Ngoku unemivuzo eyahlukileyo eya kwiminyaka eyahlukileyo. Umlinganiselo wenkxaso-mali ubeka konke oku kuwe ukwenzela ukuba ubone ukuba yimali engakanani ongayisebenzisa ukuze uzalise izikhewu. Uya kufuna ukubandakanya ukunikezelwa kweeNkcitho eziNcinane ezifunekayo ezivela kwi-akhawunti yomhlala phantsi kweli xesha. Uza kusebenzisa olu lwazi ukuqikelela intlawulo yengeniso eya kuhlawulwa ngomhlalaphantsi.
Yenza ixesha lokuchitha ixesha
Umlinganiselo wokuchitha ixesha uhlukile kancinane kunebhajethi. Uzakufuna uhlahlo lwabiwo - mali , okanye uluhlu lweendleko zakho zonke, ukugqiba ixesha lakho lokuchitha ixesha. Oko uza kwenzayo kuthatha izinto zakho zeendleko kwaye uzicwangcise kwixesha elizayo. Oku kubalulekile kuba akukho zonke iindleko ezenzeka minyaka yonke. Ngokomzekelo, abaninzi abashiya umhlala-phantsi babalekele uhlahlo lwabiwo-mali lokuthengwa kwemoto entsha. Ukuhlawula iindleko ezizayo kwi-10 ukuya kwi-20 kwiminyaka ezayo kunokuqinisekisa ukuba awuyikungazibali izinto. Izinto eziqhelekileyo ezingabikho phantsi kwebhajethi yomhlala-phantsi yi-Medicare Part B kunye nezinye iindleko zokunakekelwa kwezempilo, ukuthengwa kwemoto emitsha, ukulungiswa kwezindlu ezinkulu ezifana nokutshintshwa kwendawo yokupakisha okanye ukubetheka kwezinto ezintsha, ukunakekelwa kwamazinyo, kunye nesidingo seenkonzo ezongezelelweyo ezifana nomntu onika isandla, ukunakekelwa kweyadi, ukunyamekelwa kwamanzi, okanye iinkonzo zokucoca ekhaya.
Uluhlu lweeNkcazo zonke zeNgcaciso
Inqubomgomo yomshuwalense kufuneka ihlaziywe kanye ngexesha elithile. Qala ngokubhala bonke ngomnini nombolo yenqubomgomo. Emva koko unyaka ungabuyela kwiluhlu lwakho ukuqala ukuhlaziywa kwakho. Ukwahlula imigaqo-nkqubo yakho yipropati kunye nokufa (umninikhaya, imoto, njl njl), ubomi , impilo, ukukhubazeka kunye nokunyamekelwa kwexesha elide . Emva koko hlaziya ngalinye iqela ngokubhekiselele kwiinjongo zakho zangoku, kunye nexabiso langoku lelo hlobo lomgaqo-nkqubo. Nazi izicwangciso ezimbalwa zokukunceda.