Iindleko Neengozi zokungena kwi-401k yakho Ngaphambi kokuhlala phantsi
Ngoko, kutheni sihlala singenangqiqo nge 401k yethu ngeendlela esingaze sibe nazo ngezimoto? Ngamanye amagama, kutheni siboleke kwi-401k yethu? Umlobi wezeMali uChris Hogan uye wachonga ngokuchanekileyo (kunye neentloko ezingalunganga) izizathu zokuba abantu bathathe imali ngaphandle kwama-401k.
Indlu Ehlawula Intlawulo
Oku kubonakala kunengqiqo emgangathweni njengoko uhambisa imali ukusuka kwelinye utsalo-mali ukuya kwelinye - ukujonga ukuxabiseka kwekhaya xa uhlala kwikhaya lakho. Kodwa oku kuthetha ukuba unamacala amabini-mboleko - omnye kwindlu, omnye umhlala phantsi. Kwimeko enzima kakhulu, unokufuneka uthengise indlu ukuze uhlawule umhlalaphantsi wakho.
Umtshato Womntwana okanye Ukuphucula Impilo
Oku kubonakalisa isimo sengqondo esiphila kuso namhlanje ngokubhekiselele kwimali exhaphakileyo phakathi kwabantu baseMerika. Yenza ingqiqo yokuchitha i-20,000 yeedyayi yakho yomhlala-phantsi yomhlala-mnye kwisiganeko sosuku olunye, imoto entsha okanye i-home remodel. Unokwenza izikhumbuzo ezintle okanye ujabulele iikhabhinethi ezintsha, kodwa iziphumo ziya kuba zininzi kwaye zihlale zihlala njalo.
Iindleko zeKholeji
Unokuboleka imali ukuhlawula ikholeji, kodwa awukwazi ukufumana imali mboleko ukuze uhlawule umhlalaphantsi wakho. Sebenzisana nomfundi wakho ogqithisiweyo ukuba ufumane enye indlela yokuhlawula ikholeji.
Ewe, imfundo yekholejini iyisipho esihle kubantwana bakho - kodwa ke ishiya imali eyaneleyo yokuba abantwana bakho abangeke bakuxhase. Ukuba ufanele uhlawule iikholeji yakho, zikhona ezinye iingcebiso zokulinganisela ukuhlawula imfundo yengane yakho kunye nokulondoloza umhlalaphantsi.
Ukuphucula iindlela zokuphila
Ngaphambi kokuba udibanise kwi- 401k yakho, qonda indleko yangempela kunye nomngcipheko wokwenza njalo.
Ukushiya i-chunk ebalulekileyo yemali kwi-akhawunti yakho kukubeka iindlela ezintathu. Okokuqala, ngokucacileyo, iqanda lakho linyama liyancitshiswa. Okwesibini, ulahlekelwa kuyo yonke into enomdla oza kuzuza. Oku kungaba yimali eninzi xa uboleka isixa esiphezulu seminyaka emibini. Okwesithathu, iiplani ezingama-401k azikuvumeli ukuba negalelo uze uhlawule nayiphi na imali ehlawulwayo. Oku kubeka ngokucacileyo isicwangciso sakho sokugcina umhlala-phantsi sokubamba umhlala-phantsi.
Ekugqibeleni, ukuba ulahlekelwa ngumsebenzi ngelixa unomboleko obalaseleyo, uya kufuneka uhlawule yonke imali ehlawulwayo kwixesha elifutshane okanye ubhekane neerhafu ezibalulekileyo kunye nezohlwayo.
Ngundoqo: Gwema imali engama-401k mboleko ngaphandle kwimeko yokwenene nengxamisekileyo. Jonga igalelo lakho ngokuzenzekelayo kwingxowa-mali njengemali eye yahamba ngonaphakade. (Oko kuya kukwenza umangaliswe xa usuhlala phantsi!) Yenza i-fund yexesha elixakekayo kwiindleko zokuhlala kwinyanga ezintandathu ukujongana neemeko ezingalindelekanga. Gcina ukuthenga okubalulekileyo njengezindlu, iimoto kunye nemitshato.
Ungaze uvumele iiminqweno zanamhlanje zibeke ukhuseleko lwangomso.