Amasu okufumana ingeniso angenise imali eninzi yokuchitha.
Unokufumana imali engenayo emva kokufumana umhlala-phantsi xa usebenzisa iindlela ezifanelekileyo zokufumana imali. Isibakala siqinisekisa ukuba isicwangciso sakho sokufumana imali siquka irhafu, ukhuseleko lwezeNtlalo, ukwabiwa kweefa, kunye neakhawunti yakho yomhlalaphantsi. Isicwangciso esininzi sokufumana umhlalaphantsi sibheka indlela ezi zinto zingasebenzisana ngayo, kunokuba zijonge kwisigqibo ngasinye sodwa.
Kukho izinto ezintathu eziphambili omele uziqwalasele xa uzihlanganisa iqhinga lokufumana ingeniso.
Kufuneka ujonge indlela nganye yezinto ezingezantsi ezinokubambisana ukuze unikezele imali engenayo yomhlalaphantsi kuwe.
1. Iinkqubo zeNkcazo zokuNikwa kweNtlalo
Abantu abaninzi baqokelela iintlawulo zeNtlalo ntle ngaphandle kokuqwalasela ukubaluleka kwangempela kwezi nzuzo. Ngaba uyaqonda ukuba kwiimeko ezininzi Iintlawulo zakho zeNtlalo-ntle zixabisa ngaphezu kwama-500,000? Ngaba unokwenza isigqibo malunga ne-$ 500,000 ngaphandle kohlalutyo lokuqala? Andiyathemba.
Kukho izicwangciso onokuzisebenzisa ukunyusa inani lemali engenayo oyifumana kwiintlawulo zeNtlalo. Ezi zicwangciso zezeNtlalo zoKhuseleko lwezeNtlalo zizona zixabisekileyo kwiibini ezitshatileyo zisebenzisa inzuzo yomtshato.
Kungcono ukusebenzisa i- Calculator Social Security ukuba uphuhlise isicwangciso-mali seNtlalo soKhuseleko lweNtlalo, kwaye kufuneka uqikelele kwaye uphononise indlela i -Intlawulo yakho yeNtlalontle iza kuhlawuliswa ngayo, kwaye njani ukukhutshwa kwakho kwesigqibo soKhuseleko lweNtlalo kuya kuthintela inani elipheleleyo lemali engenayo yentela emva kwentlawulo. uya kuba nayo yonke iminyaka yakho yomhlalaphantsi.
2. Inkxaso-mali yokuNciphisa iRhafu
Xa kuphuhliso lweqhinga lokufumana umhlalaphantsi, abaninzi abantu bayalibala malunga neempembelelo zerhafu kumhlalaphantsi. Akwazanga ukuba neentlawulo zeNtlalo zeNtlalo zihlawuliswa njani kunye nokuba irhafu yomhlalaphantsi iyatshintsha njani xa uthabatha imali ngaphandle kwee-akhawunti zomhlala phantsi, qalisa ukwabiwa kwakho okuncinane okufunekayo, utshintshe isimo sakho sokufakela irhafu, okanye uhlawule imali.
Xa ulungelelanisa ezi zigqibo, kubangele ukufumana ingeniso yerhafu emva kwakho. Njengoko usondele kumhlala-phantsi kubalulekile ukwenza ucwangciso lwerhafu olunzulu. Ufuna ukuba ne-balance of tax-taxing verse verses before tax tax . Ufuna ukuvavanya impembelelo yokuthatha i-IRA ukurhoxiswa kwangaphambili kwaye uthathe uxolo lweNtlalo kamva emva kokuthatha iNgcaciso yeNtlalo ngokukhawuleza kwaye uthatha i-IRA ihoxiswa emva koko. Ukusondela kwezi zigqibo ngendlela enengqiqo kunokunyusa ingeniso yakho yomhlala-phantsi emva komvuzo.
Into emangalisa ngecwangciso lokufumana ingeniso elibandakanya irhafu kukuba ayinanto enxulumene notyalo-mali owukhethayo. Nabani na ophuhlisa izicwangciso zengeniso esekelwe kuphela ekukhethweni kotyalo-mali ukwenza into enkulu. Imirhumo.
3. Utyalo-mali kunye nolwabiwo lweNkcazo yeNgeniso
Icandelo lokugqibela leqhinga lokufumana imali likhetha ukutshala imali. Oku kufanele kwenzeke emva kokuba uphuhlise isicwangciso sobango loKhuseleko lweNtlalo kunye nesicwangciso esibheka ingeniso yakho emva kwentela. Emva kokuba isicwangciso sakho sisekuqaleni, unokuqala ukubheka ukhetho oluthile lokutshala imali oluvelisa uhlobo lwenzuzo engenayo.
Enye yeemeko zokuqwalasela ingeniso yemali eqinisekileyo uza kufanisa nexabiso lemali engenayo ekhoyo.
Kufuneka kwakhona uqwalasele ukuba yiziphi iakhawunti ekubeka kuyo utyalo-mali ukuze isiphumo siphumelele ngakumbi.
Ukurhoxiswa kwiakhawunti yomhlala phantsi akukonke ukuhlawulwa kwentlawulo efanayo. Ingeniso yezoTyalo-mali ayithethi yonke inye. Kungenokuba inzuzo yakho ukubeka iintlobo ezithile zotyalo-mali ngaphakathi kwiRoth IRA yakho, apho zikhula khona-ntlawulo kwaye zihoxiswa ngaphandle kwentela, kunye nezinye iintlobo zotyalo-mali ngaphakathi kwamanye ama-akhawunti, kunokuba ibe nomsebenzi we-akhawunti nganye njengepotfolio .
Uyakufuna kwakhona ukufumana ixesha lokuthabatha ama-akhawunti ukuba unokuphuhlisa isicwangciso sengeniso esichaphazela utyalo-mali lwakho kwiimfuno zakho zokuphuma kwemali.
Emva kokuba ucwangciso lukhona, ungaqalisa ukuhlalutya imali ethile yomhlala-phantsi ukuze ubone ukuba ngaba kufanelekile.
Amashishini angeniso
Ukutshintshwa kwezicingo ngemali yakho yomhlala-phantsi kuyisimo esibi.
Naliphi na icebo lokufumana imali elibandakanya umngcipheko omkhulu unokuphelisa ukushiya engenakho imali engenayo. Ndibukele abantu abaninzi banokulahlekelwa phantse yonke imali yabo yomhlalaphantsi ngokulandela "into eqinisekileyo". Xa kuziwa kwisicwangciso esihle sokufumana imali, akukho nto ibetha indlela eyahlukileyo.