Enye ibhonkmark efanelekileyo yintlawulo yakho yangoku - enokubalwa ngokufaka yonke imali yakho kunye nezinye izinto kunye nokukhupha amatyala akho.
Ungakhathazeki malunga nokuhlala kunye nabahlobo bakho kule nombolo ebalulekileyo - kunoko, funda ixabiso elifanelekileyo elifanele ukubetha ngexesha ngalinye.
Kwii-20s zakho
Zama ukungakhathazeki kakhulu malunga nomnatha wakho xa uqala nje-ukuba uphuma ekholeji ngemali-mboleko yomfundi, kungenokuba kakubi kakhulu!
Kunoko, gxininisa ekwakheni umnatha wakho. Kufuneka uqale ngokukhawuleza xa unomsebenzi wakho wokuqala. Uninzi iinkampani zinikeza isicwangciso sokulondoloza umhlala-phantsi, i- 401 (k) okanye i- 403 (b) . Ukuba unalo hlobo lwesicwangciso somhlala-phantsi, ungasindisa wena kunye neRoth IRA . Ubuhle beeakhawunti zomhlala-phantsi kukuba xa imali yakho idluliselwa kwi-paycheck yakho kwaye ityala imali, inokukhula kwaye idibaniswe de uze uhoxise imali kwi-retraite. Ukubethelwa kwakho ngokufanelekileyo kukusekela ngokuzenzekelayo ukudluliselwa ngokuzenzekelayo okungenani ama-6 ekhulwini ukuya kwi-10 ekhulwini lomvuzo wakho kwiakhawunti yakho yomhlala-phantsi kwaye utyalomise kakhulu kwiimpahla.
Emva koko, ukudubula inetha lakho lokuqala elijolise ekujoliswe kuyo kwiminyaka engama-30.
Ubungakanani obuneminyaka eli-30
Xa uneminyaka engama-30 umgomo wakho kukuba ube nesixa esilingana nesiqingatha sakho somvuzo esilondolozwe kwi-akhawunti yakho yomhlalaphantsi. Ngoko ke, ukuba wenza i-$ 60,000 kuma-20 yakho, jonga u-$ 30,000 wenani elilinganiselwa kwiminyaka engama-30. Loo nto ibaluleke kakhulu ngokusindisa nokutyalomali.
Masihlale uqala ukutyalomali i-$ 3,466 ngonyaka (i-$ 288 ngenyanga) ukususela kwiminyaka engama-23; Ukuba i-akhawunti yakho yotyalomali ifumana iipesenti ezi-7 ngonyaka, uza kufumana i-$ 30,000 yenani elingama-30 ubudala.
Ukuba oko kuzwakala kukugqithiseleyo, okanye uqala ukuqala ngokuhamba phambili, ungakhathazeki: Ezi zikhokelo zokulondolozwa, akuyikho imithetho ebekwe kwiitye.
Ubungakanani obuneminyaka 40
Xa uneminyaka engama-40 , umnqweno wakho kukuba nexabiso eli-2 leemali zakho zonyaka. Ngoko, ukuba umvuzo wakho ufikelela kwii-80,000 zama-30 kwiingama-30 zakho, ngoko uneminyaka engama-40 kufuneka uzame ukubaluleka kwemali eyi-160,000.
Unokwakha inetha lakho ngezinye iindlela ngaphandle kokufaka isandla kwiakhawunti yakho yomhlalaphantsi. Ukufumana i-real estate enye indlela ekukhuliseni umnini wakho. Njengezinye iintlobo zezinto eziphathekayo zeemali, ixabiso lexabiso lempahla lixabisa ngaphezu kwexesha. Ekugqibeleni, inzuzo yokutyalo-mali kwi-real estate yinto yokuba inkokhelo yakho encinci ikhula ngokukhawuleza, njengoko inani lekhaya landa.
Ubungakanani beminyaka yobudala 50
Xa uneminyaka engama-50, umnqweno wakho kukuba nexabiso eli-4 lamaxesha akho umvuzo wonyaka. Ukuba ufumana i-$ 100,000 kwiminyaka yakho-40, ke umnini wakho ufanele ujolise kuminyaka engama-50 i $ 400,000. Oku kunokuba ngathi kuninzi, kodwa ngokuqala ukugcina kunye nokutyalomali kusasa ekudala, ixesha liya kusebenza umlingo oqulunqayo.
Yaye ukuba uqala kamva, gcina ngaphezulu.
Kwiminyaka engama-40 unokuba noonyana abakhulayo beya ekholeji. Musa ukuyihoxisa imali yakho yokugcina umhlalaphantsi ngenxa yabantwana bakho, abanobomi obude ukuze bazuze ngokwabo. Khuthaza abantwana bakho ukuba basebenze bafumane ezinye zeendleko zabo. Yaye ukuba uthe wawela emva kweenjongo zemali yakho, uze ubambe iqhosha elixhasayo ukuze ukhulise umvuzo wakho.
Ubungakanani beminyaka yobudala 60
Xa uneminyaka engama-60, uya kuba ngumzila onokulinganiswa kwamaxesha angama-6 wakho umvuzo wonyaka. Ukuba umvuzo wakho u-$ 100,000 ukuya kwii-160,000 zamawaka uhlawulela loo mali ngo-6, kwaye oko kukubaluleka kwakho.
Kule ngongoma, amanqaku enu axabisekileyo ayenayo amaninzi malunga nezinto ezifunekayo zomhlalaphantsi. Ngokuxhomekeka apho uhlala khona, kunye nendlela ophila kuyo, ezo zidingo ziyahluka. Umgaqo oqhelekileyo wesithupha ungathatha indawo engama-85 ekhulwini lomvuzo wakho wokuhlala emsebenzini.
Ukuba amaphupha akho omhlala phantsi aphezulu kwaye aquka ukuhamba okungaqhelekanga, ngoko unokufuna ngaphezulu. Ngenye indlela, ukuba ufuna umhlala-phantsi ophumlileyo kwindawo ehlawulekayo, ngoko uya kuyidinga ngaphantsi. Ekugqibeleni, ukuba ufuna ukuhlala phantsi ngaphambili, ngoko uya kufuna inetha elikhulu kunokuba abo badala bafuna ukusebenza baze bafikelele kuma-70 okanye ngaphezulu.