Iimpazamo ezininzi zemali eziqhelekileyo zenza i-20s, i-30s, i-40 kunye ne-beyond
Nazi ezinye zezona zixhaphakileyo imali, kunye neengcamango zendlela yokuphepha ukuwela kwezi zigibe.
20s: Ukulwa noyiko
Abantu abatsha kufuneka batyele kakhulu kwiimpahla ezikhulayo , ezinokubeka ingozi kodwa zinikeza ithuba lokubuyisela ezinkulu kwixesha. Ngelishwa, amaninzi amaninzi angamashumi amabini anesiqingatha asemngciphekweni-awanakucala ukuba amkele esi sicwangciso. Kunoko, iiphothifoliyo zabo zincinci kwiimpahla kwaye zinzima kwiimpahla ezinikezela ngeniso eqinisekisiwe.
Iingcali zithi le ntsholongwane yengozi ibangelwa ukungabikho kolwazi lokufunda ngemali kunye nokwesaba okwenkqisayo kokungaphumeleli. Bakholelwa ukuba abantu abatsha banamathele ngenxa yobuqhetseba ababubonayo kwixesha lokuphila kwabo, ukususela ekuhlaselweni kwe-9-11 ukuya kutshatyalaliswa kwemali.
Enye indlela yokunciphisa ingqalelo yokutyalo-mali: Iimali ezixhaswa ngemali-mali, eziqala ngexabiso lokukhula kweempahla kunye nokutshintsha kwexesha elide kwiminyaka emininzi ukuya kubambelelo oluthe ngqo.
30s: Ukulindela kakhulu kunye neenkcukacha
Abantu abaninzi banamhlanje balinde ukuya kuma-30s ukuba baqale intsapho okanye bathenge ikhaya.
Oko kwenza le nto ibe yinto ekhululekile. Aba bantu abadala basoloko becinga ukuba bafanele baphile ngendlela abazali babo abayenzayo xa besesikolweni esiphakeme. Kodwa kuthatha ixesha lokwakha olo hlobo lwentuthuzelo yezemali. Ukuzama ukuphindaphinda ubomi obulungileyo ngokukhwabanisa ityala lekhadi lesikweletu kunye nokuthenga indlu eninzi kunokubangela ukuba kube nzima ukwenza iinjongo zesikhathi eside.
Enye into engafanelekanga engamashumi amathathu-into engafanelekanga: ukwenza izigqibo ezingenalo ukutshalwa kwezimali ngenxa yokungabi nolwazi lwezinto ezininzi ezikhoyo, ezinye zazo ziyinkimbinkimbi. Abatshali-mali abatsha abangenalo ixesha okanye ukuthambekela ekuzifundiseni ngokwabo banokucinga ukuba basebenze kunye neengcali zemali.
Ii-40s zakho: Ewe, Kuninzi kakhulu
I-Midlife izisa iindleko ezinkulu kunabo bonke - ubunini bendlu, ukukhulisa abantwana, kwaye, mhlawumbi, ukunyamekela umzali osekhulile. Le mithwalo imele ilawulwe ngokufanelekileyo ukukhusela ingxaki emfutshane kunye nexesha elide.
Xa ulindele ukuhamba ukusuka kwikhaya lokuqala ukuya kwindawo abaya kuphakamisa ngayo intsapho yakho, ama-40-iziphumo kufuneka azame ukungadlulanga imali. Bafuna ukubuza imibuzo enzima malunga nokuba bayaphi na indawo abayifunayo ngokwenene nokuba ngaba bayayifuna ngokwenene ukuba bangene kuloo ndawo yokuhlala, ngokuchasene noluntu oluphantsi kancinci. Ngokufanelekileyo, ummeli wekhaya kufuneka akwazi ukuhlawula le mboleko ekupheleni komsebenzi wakhe. Ukungahlawulwanga kwemali kwi- retraite kuyinzuzo enkulu yemali.
Ikholeji yindleko enye ephezulu enxulumene nabantwana. Abazali kufuneka babeke eli ngaphantsi kwe-microscope. Ingaba imfene impela ifuna ukuya kwikholejini leminyaka emine ukuba ibe nomsebenzi ayifunayo? Ziziphi iingenelo eziyinyaniso zokuqhankqalaza kwiikholeji yangasese endaweni yokufunda esikolweni esihle?
Abantwana kufuneka bafune ukutyalomali kwimfundo yabo ngokulandela ukufundiswa kwemfundo kunye nokujongana nenxalenye yeendleko zabo zeekholeji-iincwadi, umzekelo.
Nabani na osola ukuba unokuncedisa umzali osekhulile kufuneka aqale ezo ngxoxo kunye nosapho zakuqala. Yiba neshishini-njengokufana nokuvavanya iimfuno neemfuno zomzali. Igalelo lomntu omdala losapho kufuneka ilinganiselwe kwisixa esingayi kuphazamisa uzinzo lwabo lwezezimali.
Ii-50 zakho: Ukubamba
Abaninzi baseMelika baqaphela kwi-50s yethu yokuba abazange balondoloze ngokwaneleyo umhlala-phantsi ongaphaya kweminyaka engama-30. Leyo meko ingaba nzima ngokutshabalalisa okanye iindleko ezinxulumene nendlela yokuphila eyakhiwe ngaphezu kweminyaka.
Abaninzi bamaBhoomers bajika kwi-50s, benethemba lokuba ishishini liya kubanika imali engenayo eyongezelelweyo abayifunayo ngomhlalaphantsi.
Kodwa oko kuyiphakamiso eliyingozi kunye neendlela eziphezulu zokukhupha kunye nokuhla.
Impendulo malunga neminyaka engama-50-inkxalabo malunga nokuthatha umhlalaphantsi ilula kodwa inzima. Bafuna ukubeka phambili phambili ukugcina. Oku kunokuthetha ukunciphisa ikhaya (kunye nendlela yokuphila) kunye / okanye nokuba uthathe umsebenzi woqhagamshelwano okanye umsebenzi wokubonisana. Kusenokungonwabi ngoku, kodwa ukubetha umhlala-phantsi womhlalaphantsi ongaphantsi kwemali.
Ii-60s, 70s, kunye nangaphandle kwakho: Ukuhluleka Ukucela Uncedo
Kukho inyaniso eninzi kwingcamango yokuba abantu baseMelika abanamhlanje "bancinci" kunezizukulwana zangaphambili zabemi abadala.
Kodwa, iminyaka engafanelekanga ivelise umlinganiselo othile wokunciphisa ubuchule bokuhlalutya kwengqondo. Ngoko, kubalulekile ukuba wonke umntu abe nabantu abanokuba nethemba ukunceda ngezigqibo zemali kwiminyaka yabo emva. Esi sangqa singenziwa ngamalungu entsapho, abaqeqeshi bemali okanye ukuxuba zombini.