Hambisa kwi-Defensive To Offensive ngeSicwangciso sakho seMali
Unyaka ngamnye, baninzi abahlala phantsi abaphoqelelwe ukuba baqeshwe kwangaphambili. Enyanisweni, ngokwe- Employee Benefit Research Institute , malunga nesiqingatha sabathathe umhlala-phantsi bangena kumhlalaphantsi ngaphaya kocwangciso. Kulabo baqala ukuhlala phantsi, kuphela ikota yesithathu abakhethayo ukuhlala phantsi ngokuzithandela. Ipesenti ezimashumi mane anesibhoti esesethathe umhlala phantsi ngenxa yemicimbi yezempilo okanye ukukhubazeka; Iipesenti ezingama-26 zaphoqeleka ukuba zithathe umhlalaphantsi kwangaphambili ngenxa yokunciphisa okanye ukuvalwa kweenkampani; kwaye i-14 ekhulwini yahlala umhlala-phantsi ekusebenzeni njengomnakekeli weqabane okanye ilungu losapho.
Kungakhathaliseki ukuba ziphi iimeko ezikhokelela ekubeni uthathe umhlalaphantsi ngaphambili kunokucwangciswa, into enye iyinyani: unokufuna ukucinga kwakhona isicwangciso sakho semali kwixesha elifutshane kunye nexesha elide. Izicwangciso zakho zokuqala zimele zibuyiselwe ngokupheleleyo, kwaye unokufumanisa ukuba izinto ozibhalileyo azifuneki. Kungakhathaliseki, kukho amanyathelo onokuthatha ukusuka ekuzikhuseleni ukuhlaselayo ngesicwangciso sakho sezimali.
Into enokuyenza Ukuba Uphoqelelwa ukuba ube ngumhlala-phantsi
1. Hlola izibonelelo zakho. Nangona mhlawumbi ungazange ulindele ukufuna kwakhona, kuya kufuneka uqikelele nini kwaye njani uqala ukubetha nayiphi na inzuzo ekhoyo kuwe. Oku kuquka izinto ezifana noKhuseleko loLuntu , iinketho zokunakekelwa kwezempilo, kunye neenzuzo zeqabane lakho. Ukuba awukwazi ukufaka ibango loKhuseleko loLuntu ngenxa yokuba awuzange ufikelele kwiminyaka yobudala engama-62 kwaye ulinde uneminyaka engama-65 ukuba ufaneleke kwi- Medicare , unokufuna ukukhetha ezinye iindlela zokunakekelwa kwezempilo.
2. Hlaziya utyalo lwakho mali. Uya kufuneka wenze ezinye izigqibo malunga ne- 401 (k) yakho , i-akhawunti ye-IRA kunye nezinye iimali-mali. Kungaba ngcono ukuyeka ukuhoxisa nayiphi na imali kwimithombo ukuze ulondoloze imali yakho yokugcina umhlalaphantsi. Ngaphandle koko, kuya kufuneka uqale ukuphelisa iindleko zakho ukufanisa imali engenayo kwi-investments yakho.
Ukuba ezinye iimali-mali azikunikezi ukubuyiselwa kwakho kulindeleke, njenge- investment real estate , kungcono ukuba uthengise kwaye ulondoloze imali. Khumbula ke, ukuba ukuthengisa utyalo-mali kungabangela irhafu yerhafu xa uthengisa ngenzuzo. Kwakhona, cinga ngomyalelo apho uhoxisa kwiakhawunti yakho yotyalo-mali. Ukusuka kwerhafu yerhafu, kubonakala kunengqiqo ukuhoxisa i-akhawunti ehlawulweyo kuqala ukuvumela ukuba 401 (k) okanye i-IRA iqhubeke nokukhula kwerhafu.
3. Cinga ngemali yakho yomhlalaphantsi. Ukuba unempesheni , kufuneka uqwalasele ukuba ungayithatha njengemali okanye uyifumane kwizitolimende zenyanga. Zombini ezi zinto zinokusebenza kakuhle, kodwa kuxhomekeke kwimeko yakho. Ukuba ungumalimi olwazi okanye usebenza nomcebisi wezezimali, unokufumana ukuba isamba semali sinenzuzo ukuze ukwazi ukwakha kuyo kunye nefa elifanelekileyo. Ukuba ufuna ukuthembela kuyo njengenxalenye yengeniso yakho yenyanga, ukuyifaka kwizitofu kungcono kakhulu. Hlalani nikhumbule ukuba ukuba umhlala-phantsi wakho uxhaswa ngemali ngenye indlela usebenzisa i-dollar emva kwentela, iintlawulo zakho zempesheni zihlawulwa ngokukodwa. Oku kubalulekile ukuba uhlale unembono njengoko ulawula ukurhoxiswa kwii-akhawunti ezihlawulisiweyo okanye zentlawulo ukwenzela ukunciphisa uxanduva lwakho lwerhafu .
4. Qikelela ukuba ixesha elide imali yakho iya kuhlala ngayo. Musa ukungena ngempembelelo ngaphambi komhlalaphantsi. Khangela ingeniso yakho kwaye uqikelele ukuba ixesha elide liza kuhlala lixhomekeke kwiindleko zakho kunye nohlahlo lwabiwo-mali. Uza kubona apho ufuna ukulungiswa kunye nendlela ekuchaphazela ngayo indlela yokuphila.
Gxininisa kwiindleko ezinkulu zokuqala, ezifana nezindlu kunye nokunakekelwa kwezempilo. Emva koko, zero kwezinye iindleko kuhlahlo lwabiwo-mali, ezifana nokuthutha, ukutya, ukuzonwabisa, ukunakekelwa komntu kunye nokuhamba. Thelekisa iindleko zenyanga zonke zokusebenzisa ikhaya lakho kwindleko onokuyidralela kwi-Social Security kunye nakwii-akhawunti zakho zomhlala-phantsi. Emva koko, into ekulindeleke ukuba ufumane ixesha lokuphila ukuze ufumane ingcamango yokuba imali yakho ingahlala ixesha elingakanani, ngokusekelwe kwinqanaba lakho lokurhoxisa. Ukuba unobungozi oza kufutshane, ungadinga ukuhlaziywa kwemali yakho okanye ucinge ngendlela onokuvelisa ngayo ukuhamba kwemali eyongezelelweyo, nokuba ngumsebenzi opheleleyo okanye wexeshana okanye ngokutyalomali kwimveliso engenayo ingeniso.
Ukuba unemibuzo eyongezelelweyo kwesi sihloko kunye neminye imiba enxulumene nokuthatha umhlalaphantsi kwangaphambili, nceda ukhupha le e-ncwadi, iimeko ezingalindelekanga kwi-retraite. Ukuba unemibuzo ecacileyo kwiimeko zakho zeemeko, isinyathelo esilandelayo esinqununu ongayithatha kukuba ufune ingcebiso yomsebenzi oqeqeshiwe.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.