Ndihlala kwisabelomali esomeleleyo kwaye ndifumana ityala lamatyala ekhredithi. Ngaba ndifanele ndiphume kwetyala ngaphambi kokucinga malunga negalelo kwisicwangciso sam 401k?
Impendulo:
Akunjalo. Nangona abanye abantu beza kuthetha ukuba uhlawule ngakumbi ukuhlawulwa kwetyala ngaphambi kokulondoloza nokutshala imali yakho, kungenangqiqo ukwenza zombini ngexesha elifanayo.
Isizathu sokuhlawula amatyala kuqala
Isizathu sokuba abantu bacebise ukuba uhlawula ityala ngaphambi kokuba ulondoloze kwaye utyalole imali yakho. Ingumyinge wezinga lentengo. Ukuba uhlawula umlinganiselo ophezulu wenzala kwi-matyala akho, ithi i-15% yehoyithi yepesenti yonyaka ehlawulwa ngumyinge waseMelika kule mihla, xa uhlawula xa ususile, ufumene i-15% yokuba ulahlekelwe. Ukuba ucinga ngokuhlawula ityala njengotyalo-mali, ufumana u-15% wokubuyisela utyalo-mali. Eyona nto ilungileyo kuyo nayiphi na imarike. Ngoko kuyaqondakala ukuba ubeke yonke imali yakho kwangoko de ihlawulwe ityala, kwaye uya kuhamba ufumane ukubuyela kwangempela kwenye indawo.
Nantsi ityala lokuncedisa inkokhelo elinokunceda ungayisebenzisa ukuze ubone ukuba unako ukugcina ntoni kwiintlawulo zentengo yekhadi lesikweletu ngexesha ngokwenza iintlawulo ezongezelelweyo kwi-credit card yakho.
Umatyala weBalaster wokubala
Kutheni Isizathu Esingaqhelekanga Sisoloko Senza Ingqiqo
Ingxaki ngale ngxabano ngabantu abahlala beziphatha ngokufanelekileyo.
Ukuba besenza, ininzi yethu ayiyi kuthwala ityala elikhulu kwindawo yokuqala. Kodwa sithwale sihlala sikwenza. Ukuba ulindele ukuhlawula ityala ngaphambi kokuba ugcine umhlalaphantsi kodwa ungalokothi ulawule ukuhlawula ityala, ngolunye usuku ungayibona ixesha lokuthatha umhlalaphantsi kwaye awukulungele ngokupheleleyo. Kwaye, mhlawumbi, usele matyala.
Esi sikhundla apho amaninzi ama-30, ama-40, ama-50 kunye namaxesha angama-60 afunyanwa ngokwabo kule mihla. Bamele bacwangcise umhlalaphantsi ngomzuzu wokugqibela .
Enye ingxaki kukuba eminye iminyaka utyalo-mali lwakho lungabuya ngaphezulu kwe-15%. Kwiminyaka embalwa ngaphantsi, kodwa ukuba uhlala utyalomali kwiimarike zexesha elide kwaye uqhubeka unika iminikelo rhoqo, imali yakho kufuneka ilindeleke ukuba ibone ukukhula kunye nokuphuma kwemali. Ngokomlando, imarike yemasheya ibuyele malunga ne-10% ngonyaka ngonyaka. Ngaphezulu, imali yakho ihlanganiswe kwi-akhawunti yerhafu yokutsalwa kwentela efana ne-401 (k) okanye i-IRA. Ngoko iyakhula ngokukhawuleza. Ukungaphumeleli kwiminyaka emibini okanye emibili kunokwenza umehluko kwimali yakho yokugcina.
Ukuqiniseka, ityala liyakhula ngokukhawuleza okanye ngaphezulu. Kwaye ndiyazi ukuba ndiza kufumana amazwana avela kubafundi abathi inkohlakalo iyatshatyalaza kwaye ndiyakhuthaza (andiyikho). Kodwa ukuthetha ngokuqinisekileyo, unakho ukuphuma kunye nokuphuma kwekhadi lesikweletu ngamanye amaninzi kubomi bakho. Ukuba uhlawula ityala kwaye ugcine ukhathalela umhlala-phantsi, kufuneka ugqitywe ngokunyaniseka kunokuba ungenjalo.
Xa Ukugcina Umhlala-phantsi kuqala Kukhethileyo
Ukulondoloza umhlala phantsi kungakhathaliseki ukuba ityala ayikho-brainer ukuba umqeshi wakho uhambelana neminikelo okanye inxalenye yeminikelo oyenzayo kwi-401 yakho (k).
Ngama-401 (k) umdlalo ufumana ukubuyela ngokukhawuleza kwimali yakho. Cinga nje ngebhonasi, ukunyuswa kwentlawulo, nantoni na. Kulula imali. Ngoko gcina ubuncinci ukuya kumlinganiselo wakho umqeshi uya kufana; ngokubanzi naphakathi kwe-3% ukuya kwi-6% yomvuzo wakho.
Kodwa ndithi ukusindisa ngenxa yomhlala-phantsi ngu-no-brainer nantoni na. Amatyala kunye nokugcinwa komhlalaphantsi izinto ezimbini, ngoko kutheni ucinga ngetyala kwisigqibo sakho sokufaka isandla kwi-401 (k) okanye isicwangciso somhlala-phantsi we-IRA? Ingaba unomlinganiso womqeshi okanye awukho, kufuneka uthathe uxanduva malunga neemfuno zakho zomhlala-phantsi kunye nezidingo zakho zemali zangoku. Isicwangciso sokuthatha umhlala-phantsi kufuneka sibe yinxalenye yesabelo-mali njengoko irenti yakho, imoto, ifowuni kunye nekhebula. Amatyala angafika okanye ahambe, umhlala-phantsi kufuneka ube yinto ephambili.
Sisalinga ukufumana indlela yokubeka phambili izibophelelo zakho zemali?
Nantsi i-infographic engasetyenziselwa ukukunceda ukuba uthathe isigqibo malunga nendawo ebalulekileyo yesicwangciso sakho semali ukugxila kulandelayo.
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.