Nika i-IRS njengemali encinci kangako
Uchitha ubuninzi bomsebenzi wakho wobomi, ukusindisa, nokucwangcisa umhlalaphantsi. Into yokugqibela oyifunayo kukunika inxalenye enkulu yokonga kwakho kwi-IRS. Kodwa ke oko kuya kwenzeka xa ungena kumhlala phantsi ngaphandle kokucwangcisa irhafu inxalenye enkulu yokulondoloza umhlalaphantsi. Abacebisi ngezezimali baya kukuxelela ukuba ukufumana nokulondoloza kuphela inxalenye yesicwangciso sakho somhlalaphantsi. Elinye inxalenye isebenza kunye nomcwangcisi wezemali ukwenza ukuba imali yakho yongeniso njengentsebenzo yerhafu.
I siseko
Ngaba uyayazi into ehlawulwayo kwaye yintoni na? Ukuba ucinga ukuba yonke into ihlawulwa, ukhululeke kakhulu kodwa ukwakhiwa kwebhodi yokudlala yentlawulo yomhlalaphantsi, kufuneka uqhubeke unzulu. Ukucwangciswa kwentlawulo efanelekileyo kubandakanya ukwazi kakuhle ukuba ingeniso engakanani ehlawulwayo. Nazi izinto ezisisiseko:
- Ingeniso yomsebenzi: Ukuba umntu uhlawula, unetyala leerhafu. Oku kubandakanya imali njengomqeshwa ohlawulelwayo okanye weeyure, i-akontrakta ozimeleyo, okanye ishishini elithile. Oku kubandakanya imali engenayo yokuba umntu uhlawulise, inzuzo ehlawulwe kumntu wesithathu emsebenzini owenzileyo, ingeniso yakho efunyenwe ngaphandle kwe-United States, ibhonasi, kunye namabhaso, kwaye nangona uhambo olukhethekileyo lwenkampani njengomvuzo wokukhupha i-quota yakho yokuthengisa- bonke abatyala. Bona i-IRS Publication 525 yoluhlu olupheleleyo.
- Utyalo-mali rhoqo: Ukuba uthengisa imali-mali, nayiphi na inzuzo ihlawulwa ngalo nyaka kwaye ibalwa njengenxalenye yengeniso yakho yonyaka. Oku kungabandakanya i-akhawunti yokurhweba, i-real estate, iimveliso zebhanki kunye neminye impahla.
- IRAs ingaba yiRoth okanye yeNdabuko. I-Roth IRA ihlawuliswa xa unika isandla kwaye ungenayo inzuzo yerhafu ngaphambili. I-IRA yesintu ihlawuliswa xa imali ihoxiswa kwaye iza kunye nokutsalwa kweerhafu xa unika isandla kodwa awuhlawuli irhafu kwiminikelo yokuqala.
- 401 (k): Imirhumo kwi-401 (k) ivela kwiedola ezingaphambi kweerhafu. Imali oyifakayo ayibonakali njengeniso kwi-W-2 yakho ekupheleni konyaka. Kodwa iikhompyutheni ezininzi zomhlalaphantsi, ngaphandle kweengxelo zeRoth, zibalwa njengengeniso kwaye zenza ukuba zihlawulwe.
Le ngqungquthela ngokuqhelekileyo kodwa ukuba udibanise ngokwenene kule nto, unokufuna uncedo olusuka kumcebisi wezezimali.
Hlala kwi-Bracent Tax Tax
Ungathanda ukuhlawula njani irhafu yerhafu kunaliphi na imali eyinzuzo oyifumanayo? Unokwenza oko ngokugcina ingeniso yakho engaphantsi kwe-$ 75,900 xa utshatile okanye u-37,950 wamawaka ukuba ungatshatanga. Ibhonksi yerhafu ye-15 ifike ngezinga le-0 pesenti yentlawulo kwi- capital gain .
Nangona ngokuqhelekileyo ufumana imali engaphezulu kwama-maxum angentla, abaninzi abahlala phantsi baya kuba neminyaka apho bafumana ngaphantsi okanye banokucwangcisa ngokucophelela ukuthatha inzuzo kwiingxelo zeRoth ezingenasiphumo serhafu.
Isitshixo kukuqinisekisa ngokuchanekileyo irhafu yakho kwaye ufike kufutshane nangoko kunokwenzeka ngaphandle kokuhamba. Ukuba ufumanisa ukuba uya kuba ne-engenayo engenayo imali engama-60,000 ayi-60,000, uthathe isabelo kwi-akhawunti yakho yomhlalaphantsi ye-$ 15,900 nangona ungayifuni kwaye uyisindise iminyaka ezayo. Ukhumbule uluhlu olwenziwe ngasentla? Musa ukulibala malunga naziphi iindlela ezingaqhelekanga ongayifumana. Ukuba unyukela kwibhakethi yerhafu elandelayo, ezo ntlawulo zentlawulo zerhafu zihlawulelwa ngoku. Funda kabanzi malunga nesi sicwangciso apha .
Uguqulelo lweRoth
Unyaka ngamnye, jonga ingeniso yakho kwaye uguqula ngokubanzi njengoko unako ukuya kwiRoth IRA okanye 401 (k) ukuba inkampani yakho inikezela ukhetho.
Awufuni ukuzitshintshela kwi-bracket ethe xaxa ngokuguqulwa kodwa khumbula ukuba ukuhlawula irhafu xa uhlala kwibakethi yentela engaphantsi kungcono kunokuhlawula irhafu kamva xa unomvuzo ophezulu. Njengama-15 ekhulwini ibhakha yerhafu ngaphezulu, naluphi na umgca olaphayo ngoku, ukuguqula ngokubanzi njengoko unako ngaphandle kokufudukela kwibakethi ephezulu.
Ukwahlula Imali Yakho Imali
Utyalo-mali uyazi ukuba ulwahlulo oluphambili ekulawuleni ukutshintsha kwezinto zendalo ekusebenzeni kwee-akhawunti ezahlukahlukeneyo zotyalo-mali. Ukuba omnye utyalo-mali ungaphantsi, omnye uphelile ukwenza.
Isicwangciso esifanayo sisebenza ngokucwangcisa umhlalaphantsi. Ukuba unomxube weeakhawunti ezihlawulwayo kwaye ezingakhokhwanga irhafu, unako ukususela kwiakhawunti ezingakhokhiswanga xa imali yakho engenayo iphezulu kwaye ivela kwiakhawunti ehlawulwayo xa iphantsi.
Ukuvunwa kweRhafu yokuRhafu
Ukulahleka kukuyinxalenye yotyalo-mali.
Akuyiyo yonke into yokutshala-mali okuphumelelayo kodwa ukulahleka akubi nakakhulu. Njengoko unemali yentlawulo xa ubeka imali kwezotyalomali zakho, naziphi na ilahleko ozibangelayo zichasene nalabo bazuza. Ukuba unokwehla utyalo-mali kwipotfoliyo yakho oye wafuna ukuyilahleka nayiphi na into, ukuzithengisa kwilahleko kuya kunciphisa uxanduva lwakho lokuzuza.
Ukulahlekelwa kwelahleko yokuhlawulwa kweerhafu kungaba yinto encedisayo yokunciphisa uxanduva lwenzuzo yakho yemali kodwa iya kusebenza kuphela kwiityalo ezithile. Ngokomzekelo, ngokuqhelekileyo ngeke kusebenze nayo nayiphina i-akhawunti yomhlala-phantsi okhuselekileyo, kodwa xa uzama ukunciphisa irhafu kumhlala phantsi kufuneka ubhekisise yonke i-asethi yakho kwaye unciphise umthwalo ngamnye kunokwenzeka.
Yeka ukusebenza
Ngaba uyazi ukuba iintlawulo zakho zeNtlalo zentlalo zinokuhlawulwa ? Kuxhomekeke kwingeniso yakho. Ukuba ingeniso yakho ehlangeneyo ingaphantsi kwe-$ 25,000 xa ungatshatanga okanye ungaphantsi kweedola ezingama-34,000 ukuba utshatile, izibonelelo zakho azihlawulwanga. Ukuba uyadlula le miqobo, i-IRS isebenzayo ifom eyanzima eyenza ukuba ibe ngama-85 ekhulwini enzuzo yakho ehlawulwayo.
Unokukhetha 2 ukuba ufuna ukuphepha ukuhlawula irhafu kwiingeniso zakho: yeka ukusebenza okanye usebenze ngokwaneleyo ukuba uhlale phantsi kwembombo okanye ukulibaziseka ukuthatha inzuzo njengoko unako. Xa usufikelele kwiminyaka engama-70 ubudala, akusayi kuqonda ukulibazisa iinzuzo. Ukufunda ukuba ukulibazisa ukuthatha inzuzo yeNtlalo yeNtlalo kunengqiqo kuwe, funda apha .
Uncedo lweNtlekele
Nangona kungenakuchukumisa isicwangciso-mali sokuthatha umhlala-phantsi kwezizwe, ngamanye amaxesha i-IRS inikezela uncedo kubantu abalahlekelwe yintlekele kwientlekele zemvelo. Ngokomzekelo, amanye amaxhoba angama-wildfire angama-2017 ase-California angabanga ilahleko ezingenakuncediswa okanye ezingahlawulwanga ngengozi kunyaka olahlekileyo (2017) okanye unyaka owandulelayo (2016). Oku kusebenza kwiilahleko ezichaphazelekayo kunye nezoshishino kwaye zivulele amathuba okuba ezinye zezicwangciso zingentla. Jonga iphepha le-IRS malunga nokuncediswa kwentlawulo enxulumene nenhlekelele.
Njengoko ugcina ngaphezulu kunye nobutyebi bakho bakha, ukucwangcisa irhafu kungaba nzima kangangokuba awukwazi ukwenza yedwa. Mhlawumbi uya kufuneka uncedo lomcebisi wezezimali, ugqwetha weerhafu, kwaye mhlawumbi unomcwangcisi wezindlu. Nangona kukho amanqaku amaninzi kukukunceda uqonde izinto ezisisiseko zokucwangcisa irhafu, unganqikazi ukufumana uncedo lochwepheshe ngaphambi kokuba ufikelele kwiminyaka yobudala.