Ngaba wenza iphutha nge-akhawunti ye-529?
Kodwa ama-akhawunti angama-529 awayenawo wonke umntu. Enyanisweni, kukho izizathu ezilungileyo ezihlanu zokuphepha ukuvula i-akhawunti ye-kholeji engama-529 kumntwana wakho.
Ukugcinwa Kwakho komhlalaphantsi kuphantsi
Ukuqala i-akhawunti ye-529 yemfundo ephakamileyo yemfundo yakho ibonakala iyisenzo somzali onoxanduva.
Kodwa inyaniso iyona nto inomdla kakhulu ongayenza inzala yakho kukucwangcisa umhlalaphantsi wakho. Abantwana bakho banokuhlala bethabatha imali mboleko yomfundi, kodwa akukho bani uya kukuboleka imali yakho yobudala.
Ngaba ucebise ibhajethi yakho yenyanga ngokuthatha umhlalaphantsi? Ngaba uhlala ugcina ngokwaneleyo ukuhlangabezana nezidingo? Oko kufanele kube yinto ephambili kuqala. Abantwana bakho baya kukubulela xa bengenakukuxhasa ngenkxaso yomhlalaphantsi.
Ngomlinganiselo 401 (k) ukulinganisela kakuhle ngaphantsi kwe-$ 100,000-kunye nokulindela komntu ukunyuka-abantu abaninzi kufuneka babeke imali engaphezulu kwiminyaka yabo yegolide.
Uyakulungeleka kwiRoth IRA
Ukuba ufanelekele i- akhawunti yomhlala phantsi kaRoth , cinga ukuvula ngaphambi kokuba ucinge nge-akhawunti ye-529. Iingeniso zerhafu eziphambili zifana-ubeka imali yentela emva kwentela kwaye ujonge ukukhula kwentela kwi-akhawunti.
Unokwenza ukurhoxiswa kwiRoth IRA ngaphandle kwesigwebo semali ephakamileyo yemfundo.
Ukuba usufikelele kwiminyaka yobudala engama-59 / 1/2, enyanisekileyo kubazali abaninzi beekholeji, uyaziphepha ukuhlawula irhafu kunoma yikuphi ukukhula.
Ngaphezu koko, i-Roth IRA ayithethi ngokuchasene nomntwana wakho xa kuthethwa kubalo lwezemali. Okufanayo akunakutsholwa nge-akhawunti ye-529, edlalwa ngokuchasene nawe njengempahla yabazali.
Njengebhonasi, ukuba umntwana wakho angasebenzisi yonke imali kwi-Roth IRA yakho ekolishi, unemikhwaphu eyongezelelweyo yomhlalaphantsi!
Abantwana Bakho Ngaba intsha
Inzuzo yerhafu ephambili ye-akhawunti ye-529 kukuba imali yakho iyakha inkululeko. Kodwa ukuba umntwana wakho ufuna ukungena kwikholejini, ukulondoloza kwakho akunaxesha elinjalo lokukhula.
Ukongezelela, xa umntwana wakho esecaleni lemfundo ephakamileyo, mhlawumbi kufuneka ubeke imali yakho yokugcina imali kwiindawo ezikhuselekileyo zokukhula, ukuze ufumane imali xa ibhajethi yokufundela ifika. Imirhumo kunye nemingcipheko ehambelana ne-akhawunti ye-529 ingaba yongezelela nayiphina inzuzo yerhafu malunga nokukhula okuncinci kwemali.
Ngakolunye uhlangothi, ukuba abantwana bakho bangabantwana, i-akhawunti ye-529 ingaba nengqiqo kuba unethuba lokukhula.
Kungenzeka ukuba Ufanelekile Uncedo
Enye yezinto ezinzima kunabo bonke abazali ukuba baphendule ukuba ngaba baya kulungela ukufumana uncedo lwezemali. Uninzi lweentsapho ezifumana umvuzo ophakathi luya kufumana inkxaso, kodwa kuya kufuneka zihlawulele i-chunk efanelekileyo yokufunda kunye neendleko.
Sekunjalo, ukuba ungowokugqibela komyinge we ngeniso, unokufumana ilungelo lokufumana uncedo lwezezimali, kwaye i-akhawunti ye-529 iya kubalwa nawe ekubaleni ukuxhaswa.
Eli lixesha elihle lokujikeleza kwakhona phezulu kwoluhlu uze uzibuze ukuba ulungele ukuthatha umhlalaphantsi.
Yenza isingeniso sakho sokusindisa kuloo ndlela phambi kokuqala i-akhawunti yokulondoloza ikholeji.
Umntwana Wakho Akaya kwiKholeji
Sonke sifuna ukuba abantwana bethu baphumelele ngokwabo nangomsebenzi. Kodwa abanye abantu abangekhe bathambekele kwimfundo ephakamileyo.
Ukuba unomntwana, kunokuba nzima ukuxelela. Ngexesha lokuba umntwana wakho usemtsha, unokugweba ukuba ngaba udibene nekholeji.
Ungazikhohlisi. Ukuba umntwana wakho akanakwenzeka ukufumana idigithi emva kwesikolo esiphakeme, kukho indawo engcono kwimali yakho kune-akhawunti ye-529.
Ehlelwe nguElizabeth McGrory