Yintoni eyenzekayo ngoKhuselo loLuntu?
Into enzima kunye neNkqubo yoKhuseleko loLuntu kukuba iya kuba nexesha elinzima kakhulu ukuqhubeka nokuxhaswa ngemali kwiminyaka emininzi njengoko abantu abadala bebekhulile behlala emsebenzini. Oku kuthetha ukuba inzuzo ingatshintshiswa ukuze incedise ukuxhasa abantu abaninzi. Umdala ukuqala ukudweba kwiNtlalo yoKhuseleko sele ishintshile, njengokuba kukho imali ehlawulwa inyanga nganye. Ukhuselo lweNtlalo luyaqhubeka luze lube luhlala phantsi, kodwa ngeli nqanaba, kunzima ukucacisa ukuba zeziphi iingeniso eziza kubakho kwaye ziphi na ubudala ozokwazi ukuzifikelela kuzo. Kufuneka ubeke ingqalelo kwiinguqu ezenziwe kwiNkqubo yoKhuseleko loLuntu njengoko utshintsho lunokuchaphazela umhlalaphantsi wakho.
Uya kufumana ingxelo yoKhuseleko loLuntu yonke iminyaka emihlanu eya kubhala uluhlu lwakho oluxhamliweyo lwenyanga, kunye nenzuzo kumlingane wakho okanye kubantwana ukuba uya kudlulela, kunye nemali oyakufumanayo xa ukhubazekile.
Isixa owenza unyaka ngamnye kunye nenani leminyaka ukuba unganise kwinkqubo inokuchaphazela nemali oyifumanayo. Kufuneka ufumane le ngxelo yonke iminyaka emihlanu ukususela kwiminyaka eyi-25 ubudala. Kufuneka ubeke ingqalelo kwiimali ezidweliswe kwaye uqaphele utshintsho unyaka unyaka.
Ngaba Ndifanele Ndixhomekeke kwiKhuseleko loLuntu njengeNgxenye yokuMhlala phantsi?
Kule ngongoma, akubonakali kuyindlela efanelekileyo yokuxhomekeka kwiKhuseleko loLuntu njengendlela eyona nto yokuxhasa umhlalaphantsi wakho. Kwaye ngoku abaninzi abantu abadala abahlala kuphela kwiNgxowa-mali yeNtlalo-ntle bafumana ixesha elinzima lokufikelela. Ukuba ufuna ukuthatha umhlalaphantsi ngokufanelekileyo, kufuneka ugcine umhlalaphantsi ngokwahlukileyo kwinkqubo yoKhuseleko loLuntu. Ungabandakanya ukuKhuseleko koLuntu njengenxalenye yesixa-mali esiza kuwugcina okanye usijonge njengengeniso yebhonasi engaba khona xa uthatha umhlalaphantsi.
Ndingayifumana njani iSicwangciso soMhlalaphantsi?
Indlela elula yokulondoloza umhlala-phantsi kukuba usebenze indlela yakho ukuze ugcine i-15 ekhulwini yengeniso yakho ngomhlalaphantsi ngamnye ngonyaka. Oku kuya kuquka umdlalo wakho womqeshi ukuba unayo. Unokufaka imali kwisicwangciso somhlala phantsi ngomsebenzi wakho, oya kuba ngu- 401 (k) okanye 403 (b) . Kufuneka utyalomke ubuncinane ukuya kumdlalo wakho womqeshi. Emva koko, unokufuna ukwenza iRoth IRA . I-Roth IRA iya kuphuma emva kwentela, kodwa awuyi kuhlawulwa irhafu xa ufika kumhlalaphantsi. Oku kuthetha ukuba usenokuba nentlawulo encinci ukususela apho umrhumo wakho uya kuba ngaphantsi kweekhefu zakho. Isixa esiphezulu esinokubamba iqhaza ngo-2017 yi-$ 5,500.
Oku malunga ne-$ 458 ngenyanga. Emva kokuba uxoxile loo nto, unako ukufikelela kwisixa ofaka isandla sakho kwi-401 (k) uze ufikelele kwiinjongo ezili-15.
Kuthiwani Ukuba Ndifuna Ukuthatha Umhlalaphantsi Ekuqaleni?
Ukuba ufuna ukucwangcisa ukuthatha umhlalaphantsi kusenjenjalo, kuya kufuneka ugcine umhlala phantsi ngaphandle kwe-akhawunti yakho yokugcina umhlalaphantsi. Ngeke ukwazi ukudweba kwi-Social Security yakho kuze kube yilapho ufikelele kwiminyaka yobudala yomhlalaphantsi okwangoku engama-67 kubantu abazalwa emva kowe-1960. Ngeke ukwazi ukurhoxisa imali kwi-akhawunti yakho yomhlala phantsi uze ube ngu-59 ½. Ukulondoloza umhlala phantsi ngaphandle kweakhawunti yakho yomhlalaphantsi kuya kukuvumela ukuba uyeke ukusebenza ngexesha elidala. Kunceda ukuthetha nomcebisi wezemali ukufumanisa indlela engcono yokutshala imali ukuze ukwazi ukuvelisa imali engenayo yomhlalaphantsi kwiminyaka engaphambili kwaye unqume ukuba uzakufuneka uthathe umhlalaphantsi kangakanani.
Kutheni Ndifanele Ndiqhubeke Ndikhokelela kwinkqubo yoKhuseleko loLuntu?
Unyanzelekile ngokomthetho ukuhlawula ukhuseleko loLuntu. Ukongezelela, uKhuseleko loLuntu luya kunceda abantu abafelwa abazali okanye abakhubazekileyo kwaye abakwazi ukusebenza. Kuyakucasula ukuhlawula kwinkqubo engenakukuhlawula ngendlela efana nayo okwangoku kodwa ngokwenene inceda abantu abayidingayo. Ukongezelela, abaninzi abantu abahlala phantsi njengamanje bathembele kwiNtlalo yoKhuseleko njengomthombo wabo wokufumana umvuzo. Nangona izibonelelo ziguquka ngaphambi kokuba ufikelele kumhlalaphantsi, unceda abantu abafuna uncedo lwakho.
Unokujonga kwakhona kwiNtlalo yoKhuseleko njengenzuzo enokunciphisa inani olidingayo ukuze uncede ukuxhasa abazali bakho njengoko bekhula . Iintlawulo zeNtlalo-ntle zinokubancedisa ukufaka ezinye iindleko zazo. Iintlawulo zeMedricare zingancedisa ukunyamekela impilo yabo njengoko zikhula. Oku kuya kukunika ingeniso eyongezelelweyo ongayisebenzisa ukuyilondoloza umhlalaphantsi wakho. Abazali bakho banokuxhomekeka kwinkqubo yoKhuseleko loLuntu ngelixa unethuba lokugcina kunye nokucwangcisa ngaphandle kokuxhomekeka kakhulu kumhlalaphantsi wakho.
Ziziphi ezinye iinzuzo ezifumaneka kwiNkqubo yoKhuseleko loLuntu?
I-Medicare enye inzuzo onokuyisebenzisa xa ususa umhlalaphantsi. I-Medicare ingasetyenziswa ngokubambisana ne-inshorensi yakho yempilo, nangona abanye abantu bathembela kuyo njengonyango yabo yonyango. I-Medicare inokukunceda ukujongana neendleko zempilo ezandayo eziza kuwe. Enyanisweni, oku kungaba yinxalenye enkulu yeendleko zakho zenyanga kunye ne-Medicare inokunceda ukugcina ezo ndleko ziphantsi. Unokufuna ukubheka ezinye iinketho ze-inshorensi ezongezelelweyo ezifana nokukhubazeka okanye i-inshorensi yexesha elide ingakumbi ukuba i-dementia okanye ezinye izifo zihamba kwintsapho yakho. Oku kunokuthi ulinde de kube usondele kuminyaka yomhlala-phantsi kwi-40s okanye 50s yakho.