Nangona iintsapho zokunyamekela eMelika zihlukeneyo, uphando luka-2015 luthi "umlondolozi" ophethe umfazi wesibini oneminyaka engama-49 ojongana nesihlobo. Abanye abanonophelo banikezela ubuncinane ubuncinci beeyure ezingama-21 zokunyamekelwa ngeentlawulo ngeeveki, kwaye phantse ama-25 ekhulwini kwabanonophelo sele ngoku iMillennials (phakathi kweminyaka eyi-18 ne-34 ubudala).
Ukongezelela kumncedisi kunye nenkxaso yenkxaso yabazali asebekhulile, abaninzi abantu abadala baseSandwich baziva bexinzelelo olunxulumene nokwanda kwezemali kubantwana babo. Ngokwe-2013 ingxelo evela kwi -Pew Research Centre , abazali baye baba negalelo ekunikeni inkxaso ngenkxaso yabantwana babo abadala. Olu xhasayo ludlula ngaphesheya kwekholeji, kwaye ngaphantsi kwesigamu sabantwana abadala abaneminyaka engama-60 ubudala nangaphezulu (i-49 ekhulwini) banikezela uhlobo oluthile lwenkxaso-mali yabantwana babo.
Ukunciphisa uxinzelelo kunye nokuxhalabisa ngeli xesha elinzima ebomini, kubalulekile ukulungiselela kwangaphambili kwaye ube nezicwangciso xa ufuna ukunyamekela abazali asebekhulile ngelixa uzama ukuqalisa abantwana bakho ukuba babe ngabantu abadala. Enye ingxaki yokujongana nengxaki yentsapho enzima kwixesha elifanelekileyo xa uthatha izitshixo zeemoto ezivela kubazali bakho kwaye ubapha umntwana wakho.
Ingozi enkulu kunazo zonke kulabo bazinzileyo phakathi komngcipheko wokunyamekela ukuzinakekela kwakho ngelixa uzama ukunceda wonke umntu.
Nazi ezinye iindlela ozithathayo ukukhusela impilo yakho yemali kunye nemvakalelo xa uqhubeka nokubonelela ngenkxaso kwaye ufumaneke kubathandekayo bakho.
Nceda abazali bakho bahlakulele isicwangciso sokufumana umhlala-phantsi osisigxina.
Ukuba 'nenkokhelo yemali' akuyona nto ininzi kuthi siziva sikhululekile. Ukuba nencoko nabazali bakho kunokuba ngumngeni, ngakumbi ukuba baye baqashwa xa kuthethwa ukuthetha ngemali.
Uphononongo olwenziwa ngo-2014 olwenziwa nguCaring.com lubonise ukuba i-half-half-child's boomers esecatshungulwayo yayingene kwiintetho nabathandekayo ngezihloko ezinjengezokwelapha, izifiso, izicwangciso akufanele zikwazi ukuzinyamekela zona, okanye indlela yokuhlawula nya mekela. Kubalulekile ukuvelisa isihloko ukukhusela ingozi abaya kukhupha iqanda lokuthatha umhlalaphantsi. Ukukhathazeka kwexesha elide liyinyani kwaye kukho amathuba okuba ngamalungu angama-45 abesibini abatshatileyo baya kuhlala kuma-90 abo.
Isicwangciso sengeniso sokuthatha umhlalaphantsi sinokukunceda ukuphepha enye yezona mpazamo ezinkulu zomhlala-phantsi abantu abazenzayo-ukuchitha imali kakhulu kungekudala. Imiba eyahlukahlukeneyo inefuthe kwimali engenayo yomhlala-phantsi njengezinga lokubuyisela imali yokugcina imali kunye notyalo-mali, kungakanani ixesha lokuthatha umhlalaphantsi kulindeleke ukuba ligcine, ukunyuka kwamaxabiso, irhafu, ukuchitha imali, inzuzo yexesha elilodwa, Ukhuseleko lweNtlalo , ipensheni, njl.
Qhubeka ugcina imali yakho yomhlalaphantsi.
Inkcazo yeSizwe soMngcipheko wezeMhlala-phantsi evela kwiziko loPhando lwezeMhlala-phantsi eBholasji yaseBoston yafumanisa ukuba ngaphezu kwengxenye yesigxina semakhaya asebekhulile asemngciphekweni wokungakwazi ukuhlangabezana ngokupheleleyo neemfuno zabo zokufumana umhlalaphantsi. Yingakho kubalulekile ukunyamekela umhlalaphantsi wakho kuqala. Ukubonelela ngokwaneleyo ukufumana umlinganiselo omkhulu womqeshi kunokwenzeka indawo efanelekileyo yokuqala.
Oku kuya kunceda ukuqinisekisa ukuba awushiyi nayiphi na imali yamahhala kwitheyibhile. Kodwa ungaziva ngathi ufuna ukuma apho. Qhubela phambili ukuya phezulu nangaphezulu kwayo nayiphi na iminikelo ehambelanayo ukuze ufumane uninzi lwama-akhawunti ahlawulwe irhafu afana ne-401 (k), 403 (b), i-Roth IRA, okanye i-Akhawunti ye-Savings Health (HSA).
Ngaba uthathe ixesha lokubala ukubhaliswa komhlalaphantsi ukuze ubone ukuba uhamba ngendlela efanelekileyo? Ukuba awuqinisekanga ukuba ufunayo kangakanani ukugcina umhlalaphantsi wakho awodwa. Njengomthetho wesithupha, abaninzi abantu bafuna ukudubula ukuze bathathe indawo engama-70 kuya kwe-90 ekhulwini yengeniso kumhlala-phantsi, kodwa ukuba unenkxalabo malunga neendleko zonyango kunye / okanye uceba ukuhamba ezininzi, unokufuna ukudubula phezulu. Eyona nto: qhubeka ugcina kwaye ugweme ukukhusela iqela lakho lokuhlala umhlalaphantsi ukuze uxhase abanye.
Hlola iindlela zokuhlawula ukunyamekelwa kwexesha elide.
Kubantu abaneminyaka yobudala engama-65 nangaphezulu kunamathuba engama-70 ekhulwini lokufuna uncedo oluthile lwexesha elide.
Indlu ekhulayo yolondolozo okanye iindleko zokunakekelwa kwindlu ingaba yindalo ebalulekileyo kwintsimi yentsapho. Enye indlela yokuxhasa ngononophelo lwexesha elide ngowama-inshorensi-kodwa le migaqo-nkqubo ayithethi kwaye ingaba nzima ukuxhomekeka kwiimbali ezithile zonyango. Unokuphangela kwakhona ukuba ubone ukuba urhulumente wakho unikezela inkqubo yokubambisana yenkathalo ende. Ukuba uthenge umgaqo-nkqubo ngeyodwa yale nkqubo kwaye usebenzise zonke iinjongo, unako ukugcina inani lempahla elinganayo ne-inshorensi oyithengileyo kunye neMedicaid iya kuthatha yonke ibhajethi. Inkonzo yomshuwalense wexesha elide ayikhoyo wonke umntu kwaye ayinakho ukuhlawula. Nangona kunjalo, kufanele ukuba yinxalenye yengxoxo yenjongo yemali.
Cinga ukubeka eceleni imali kwicebo lekholejini.
Ukuba ucinga ukuba iindleko zokunyuka kweendleko zempilo kunye nokunyamekelwa kwexesha elide kwakuyinkathazo, mhlawumbi akudingeki ukuba ukhumbule ukuba ayiyeki apho. Ukufundiswa kunye nemirhumo kuye kwaphakama ngokugqithiseleyo kwiminyaka emibini edlulileyo. Ukuba uhamba ngendlela efanelekileyo ukuze ufikelele kwiinjongo zakho zokufumana umhlala-phantsi ungaqala ukucinga malunga nokulondoloza kwiikholeji yabantwana bakho. Ucwangciso lwezemfundo lithetha okungaphezulu nje kokulondoloza kuma-529 amacebo okugcina iikholeji. Ezinye iindlela zokunciphisa iindleko zekholeji ziquka ukuya kwiikholeji zeminyaka emibili okanye kwiikholeji kawonkewonke. Ukufundiswa kwezifundo, izibonelelo kunye neenkqubo zokufunda umsebenzi zizinye iindlela zokukhuthaza abantwana bakho ukuba bazibandakanye ngokuzimeleyo kwimfundo yabo yeekholeji.
Yakha uphinde ubuyekeze amaxwebhu amalungiselelo olwabiwo.
Kungokwemvelo kuba bantwana abadala ukuba bazive bengakhululekile ukubuza abazali malunga nezicwangciso zabo zezindlu. Ukuba ubeke ngokufanelekileyo, le ngxoxo ingaphezulu nje "ofumana oko" ingxoxo. Wonke umntu udinga isicwangciso sendawo esisiseko, kwaye kubalulekile ukuqaphela indlela yokwakha isicwangciso esiliqilileyo sempahla esifezekisa ngaphezu kwesicwangciso sokudlulisa ubutyebi. Ukucwangciswa kwezindlu kukuncedisa ukudlula kwizinto ezibalulekileyo zentsapho okanye amabali. Isicwangciso esilungiselelwe kakuhle sinokukhetha umqhubi ukwenza imisebenzi ebalulekileyo. Amaphepha abalulekileyo afana nokuthanda, amathenda, izikhokelo zonyango eziphambili, amagunya ezokwelapha kunye namaxesha angapheliyo anganika abazali kunye nabathandekayo ngoxolo lwengqondo ukuba bayaziqonda iimfuno zabo kunye neenjongo zabo.
Yilungelelanise kwaye uthathe uluhlu lwempahla.
Ingcinezelo yokubonelela ngononophelo ngabazali abakhulileyo kunye nabantwana ngexesha elifanayo baya kushiya igumbi elincinci elithile kwishedyuli yansuku zonke. Esikhundleni sokunyamekela zakho iimali zakho, ziququzelele kwaye zenze usebenze kakuhle kwisicwangciso sakho. Kukho iinkonzo ezininzi zezimali zokukunceda ufumane ubomi bakho bezemali. Uyakufuna kwakhona ukunceda abazali asebekhulile bahamba ngendlela efanayo kwaye bachonge apho kubakho amaxwebhu abalulekileyo. Akunzima ukuqokelela imali eninzi, ukutshekisha, utyalo-mali, ikhadi lekhredithi kunye neakhawunti yomhlala phantsi kwiindawo ezahlukeneyo zemali. Ngaphandle kwesikhokelo esilungileyo, inkqubo yokulandelelana kwezi akhawunti kunye nokuchonga indlela yokufumana ulwazi olubalulekileyo lunokuba ngumsebenzi ocinezelayo.
Funa ubuxhaswa bobuqu kunye nolwazi.
Hlola ezinye iindlela ezifana nokwabelana ngeembopheleleko zokunyamekela ngolunye ilungu losapho okanye othandekayo. Kwaye ukulula oku-1 okanye kwe-2-day kungenza umehluko omkhulu kwaye unciphise uxanduva. Inkxaso yenkxaso ingaba yimfuneko kwiimeko ezininzi. Unonophelo lwangaphakathi ekhaya kunye neenkonzo zonyango lwezempilo zasekhaya ziyimibandela embalwa yonyango olukhoyo. Amagqwetha anganceda ukudala amaxwebhu okucwangcisa iindawo ezibalulekileyo. Iinkonzo zezinjongo zemali zinokukunceda uhlale kwindlela kunye nesicwangciso sakho sezemali kwaye kukuncedise ukuba ufumane ibhalansi kunye nezinto eziphambili zokhuphiswano. Ukuthetha nomqulunqi ukunceda iindlela zokubuyisela ikhaya lomzali wakho ukuze lifikeleleke ngakumbi omnye umzekelo. Ukufumana i-Medicare okanye i-Medicaid consultant ingabonakala inenzuzo. Ukuba abantwana bakho bancinci, ukufumana uncedo lokuqhuba abantwana kunye nokuphuma esikolweni okanye kwizenzo kungaba yincinci encinci.
Gcina ulondolozo ngeenjongo ezifutshane kunye nexesha elide, ngelixa unika inkxaso kubazali nezingane.
Ukufumana ibhalansi phakathi kwezinto eziphambili ezikhuphisanayo ezifuna ixesha okanye imali inokubonakala ngathi ngumngeni onzima kwimpilo yethu yemali. Ukuhlala phezu kwemali, ukuhlawulwa kwemoto, imisebenzi yabantwana, ukugcina umhlalaphantsi kunye nokuncedisa ngeendleko zabazali abakhulileyo kunokukwenza kube nzima ukunamathela kwisabelo-mali. Isenzo sokulinganisela sithinteka ngakumbi xa ixesha lakho namandla akhokelela ngokunyamekela abanye. Kungabonakala kube ngumngeni ukujonga ngaphaya komsebenzi onokhathalelo wangoku, kodwa kufuneka uqhubeke ugxininisa ekuziseleni zakho iinjongo zemali zexesha elide. Ukuthatha umhlala-phantsi ngumzekelo owodwa ocacileyo wenjongo yexesha elide. Kodwa mhlawumbi akunjalo kuphela. Yakha uhlahlo lwabiwo-mali okanye isicwangciso senkcitho esinceda ugxininise ekukhuliseni ukonga kwakho kwiinjongo zobomi ezibalulekileyo ngelixa uthintela okanye ususe i-matyala enzala enkulu.
Iingcamango Zokugqibela
Indlela efanelekileyo yokujongana neembopheleleko zezemali ezijongene nesizukulwana seSandwich, nokuba ngaba yinto ephambili yinto okanye ikusasa elizayo, kukuba wonke umntu abe nesicwangciso sezemali (abazali abaguga, abantwana kunye nabanamathele phakathi). Unxibelelwano oluvulekileyo nolunyanisekileyo luyisisiseko sokuhamba nemingeni yesizukulwana sesiSandwich. Ukucwangciswa okucwangcisiweyo kuya kunceda ukunciphisa uxinzelelo lwakho lwezemali ukuba sele ususebenzisana nomsebenzi wokulinganisa okanye unokhathazeka ukuba unokukuloo ndawo kwixesha elizayo.