Funda malunga nokuqokelela ukhuseleko lwezeNtlalo, i-Medicare kunye nokunye
1. Awunayo Imfuneko yokuQiniseka koKhuseleko loLuntu ngenxa yokuba uthatha umhlalaphantsi
Abaninzi abahlala phantsi bathi ukwesaba okukhulu kunemali. Enye indlela yokukhusela ingeniso yakho yesikhathi esizayo kukuba wenze isigqibo esinqununu malunga nokuba uza kuqala nini ukukhuseleko lwakho loluntu.
Ukhuselo lweNtlalo lubonelela ngenzuzo yokuhlaziywa kwexabiso lentengo ngokuhlala kwakho.
Ngenxa yokuba uthatha umhlalaphantsi kwi-62, akuthethi ukuba kufuneka uqale ukuqokelela ukuKhuseleko loLuntu kwi-62 . Uya kufumana inzuzo enkulu ngokulinda ukuqokelela uze ude, kwaye kukho ezinye izicwangciso zoKhuseleko loLuntu ezizibini ezitshatileyo ezingasebenzisa ukufumana ngaphezulu kwezibonelelo ezihlangeneyo kunokuba ziza kufumana ukuba ngamnye enze isinqumo sakhe ngokuzimeleyo.
Njengokuba kunjalo, izibini ezitshatileyo ezenza izigqibo ezicwangcisekileyo malunga nendlela kunye nexesha lokuqokelela iingeniso zingafumana amawaka amaninzi kwiingenelo ngaphezu kwexesha lokuphila ngokubambisana kunabo abaqokelela kusasa ngaphandle kokuhlalutya. Unokusebenzisa i- Calculator Social Security Calculator ukuze ubone umehluko phakathi kwesigqibo esilungileyo kunye nehlwempu.
Ngoko ukuba uyalibazisa ukuqokelela ukuKhuseleko loLuntu, uthatha umhlalaphantsi njani? Abaninzi abahlala phantsi kufuneka baqwalasele ukusebenzisa imali yabo yokugcina iindleko zabo zokuthatha umhlala-phantsi ngelixa belibala ixesha lokuqala loKhuseleko loLuntu.
Oku kungayifaka kwisixa esiphezulu semali engenayo emva koko kwaye kukuncede ukhuphe imali yakho.
2. I-Medicare Ayifuni ku-65
Uncedo lweMagare aluyi kuqali de ufike ku-65. Ukuba uhlala phantsi ngowama-62 uya kufuneka uqiniseke ukuba unako ukufumana uncedo olufanelekileyo lwe-inshorensi yezempilo ukuya kwiminyaka engama-65 xa u-Medicare uncedo luqala .
Ngomthetho ononophelo wokuNakekela , uqinisekisiwe ukuba ufumane ingxelo nokuba unemiqathango ekhoyo ngaphambili kwaye awukwazi ukuhlawuliswa ngaphezu komntu onempilweni. Kodwa intengo ingahluka ngendawo kunye nabaninzi abahlala phantsi abo abaqeshi bakhokhela i-inshurensi yabo bayagcinwa yindlela i-inshurensi yezempilo eyabiza ngayo.
Kwakhona, gcinani engqondweni, i-Medicare ayifihla zonke iindleko zonyango, abaninzi banokuthenga i-coverage yezempilo eyongezelelweyo ukuze bancedise ama-Medicare. Fumana izicaphulo kwiindleko zomshuwalense wezempilo ukwenzela ukuba ungakha le ntlawulo kwibhajethi yakho yomhlalaphantsi .
3. Qinisekisa iiAkhawunti zeRhafu zomhlala-phantsi zokuLawula ukuLawula okulula
Ukuba unemali kwi-IRAs, i-401 (k) okanye ezinye izicwangciso ezixhaswe ngumqeshi, cinga ngokuhlanganiswa kwezi cwangciso ezahlukeneyo zomhlala phantsi kwiakhawunti enye. Abantu abaninzi bakholelwa ukuba imali yabo ikhuselekile xa isasazeka kwiifisi ezininzi ezahlukeneyo. Inyaniso yindlela xa usebenzisa i-capitalist known capitalist you can create a portfolio diversified by having multiple types of investments all held in a single account. I-asethi esezantsi nguwe-ayiyiyo impahla yefenimali yezezimali. Oku kuthetha ukuba kukho ukhuseleko oluncinci ngenxa yokuba i-akhawunti isasazeka kumaziko amaninzi emali.
Esinye isizathu sokudibanisa: kwimithetho yobudala engama-70/2 ifuna ukuba uqale ukuhambisa ukusasazwa kwiakhawunti yakho yomhlalaphantsi. Kulula kakhulu ukulandela le mithetho xa i-akhawunti yakho yomhlalaphantsi ihlanganisiwe.
Qhubeka ugcine engqondweni, nangona akudingeki ukuba uthathe imali ngaphandle kwe-IRA yakho okanye amanye ama-akhawunti angaphantsi komhlala-phantsi ukuya kuma-70 ½ ubudala, kuba abanye abantu bangaba nengqiqo ukuba baqale ukuthatha ukurhoxiswa ngaphambi kokufuneka wenze njalo. Kuya kuxhomekeka kwibakethi yakho yentela kunye kunye neminye imithombo yemali engenayo. Ukufumanisa ukuba oku kulungele wena, unokunqwenela ukusebenza nomcwangcisi wokuthatha umhlala-phantsi ojongene nokunceda abantu bathathe isigqibo malunga nendlela efanelekileyo yerhafu yokusebenzisa imali yabo yomhlalaphantsi.