Kodwa ubuchule bokuba ubomi obude bubhekisela ekuqwalaseleni umbuzo omkhulu xa kuhlanganiswa isicwangciso sezemali: Ziziphi iintlobo ozifunayo ukuba uphakathi kwabo bantu ukuba bafumane olu hlobo lobomi?
Luhlobo luni lwesicwangciso sokuthatha umhlala-phantsi lungafumana uneminyaka eyi-100-nangaphezulu?
Cwangcisa ngokuSebenze isikhathi eside ...
Masithi uqale ukusebenza ku-25, uyeke kwi-65, kwaye uphile iminyaka engama-95. Leyo minyaka engama-40 emsebenzini kunye no-30 ngomhlalaphantsi. Yenza izibalo, uthi uWalter Updegrave obhenca kwi-RealDealRetirement.com: Kusebenza kwiminyaka eyi-1.3 esebenzayo ukuxhasa unyaka wokuthatha umhlalaphantsi. Uthi: "Abantu namhlanje baya kuba nexesha elinzima lokwenza loo nto," ushilo. "Baya kuba nzima ukuxhaswa ngokwabo iminyaka engamashumi amabini."
Kodwa uvuma ukuba uqhubeka nokusebenza akulula nje ngokuba uthi ufuna ukuqhubeka usebenza. "Namhlanje, ama-48% abantu bahlala phantsi ngaphambili kunokuba bekulindeleke," utsho, kwaye akusoloko ekhethiweyo. Ukugcina umvuzo wokufumana imali kuya kufuna indlela eyahlukileyo yokucinga ngomsebenzi, mhlawumbi ukuhamba ngebhayisikili kunye nokuphuma kwabasebenzi, ukudweba i-time-time arrangements okanye isivumelwano sokubonisana nomntu owayesakuba ngumqeshi, okanye ukuxhoma umkhonto wakho.
Ngamanye amazwi, kuya kuthatha ingqalelo kunye nokucwangcisa. "Ukuphila ku-100," i-Updegrave ithi ngokucacileyo, "akuyona ibhonasi enkulu yexesha elongezelelweyo."
... Neninzi Ngenjongo
Kodwa oko akuthethi ukuba kufuneka ukuba yi-slog. UTim Maurer, umbhali we "Imali elula: A-Non-Nonsense Guide to Personal Personal Finance," ithi xa unikwe ukhetho phakathi kokulondoloza ngokugqithisileyo ukufumana umhlalaphantsi omdala okanye ukusebenza ixesha elide ungumdlali wexesha elide-njengoko usebenza into oyithandayo.
Uthi: "Yilokho izizukulwana ezincinane sele zilindele," utsho. "[Umsebenzi wam] ndibona abantu abanomdla kakhulu ekufumaneni umsebenzi abonwabileyo kwaye banokuyenza ngokungapheliyo." Oku kuphilileyo, kungekhona nje kwimali yezimali, kodwa kwi-medical one. "Kubonakala ngathi asikhenxwanga ngomhlalaphantsi ongapheliyo. Sifanele ukuba senze, "u-Maurer uthi. Iingcali zonyango zithi zibhetele, ngokucwangcisa i-dementia kunye ne-Alzheimer kunye [nezinye izifo zenyama]. "
Dive In Benefits Your Headfirst
Ngethuba sisesifundweni somsebenzi, kubalulekile ukuba sicinge ngendlela enokuthi-kwaye ngokukhawuleza-ihlabathi elisebenzayo lidibana nathi. Uluvo lokusebenza kwelinye inkampani okanye imboni kwaye uhlala khona ixesha elide-lihle kakhulu, "kutsho i-Updegrave. "Abantu abayi kuba neminye imisebenzi, kodwa kunye neentlobo ezahlukeneyo zemisebenzi kunye nobudlelwane bomqeshi." Xa usebenza kumqeshi wemveli (ngokukodwa enkulu) amathuba okuba ufumane 401 (k) okanye enye icebo lomhlala phantsi, mhlawumbi ngomdlalo womqeshi. Xa unkontileka ozimeleyo, i-onus ikuyo ukuvula i-akhawunti yomhlalaphantsi-mhlawumbi i-SEP IRA-kwaye uyixhase rhoqo. Kwaye njengoko ujikeleza ngaphakathi nangaphandle kweziganeko zomsebenzi ezahlukeneyo, kukuya kuwe ukugcina iithebhu malunga nokuba uyasindisa ngokwaneleyo, ingaba iafa zakho (kuzo zonke izicwangciso zakho zidibene) zichanekile ngokufanelekileyo, kunye nendlela oqhuba ngayo kwiinjongo zakho. .
Ukuba oku akunjalo into oziva ukhululekile ukuzenza ngokwakho, umgangatho wonyaka wezezimali kunye nomcebisi wezemali unokunceda.
Gcina njengoko Unako, Xa Unakho
Okwangoku, usenokuba uqhelanise neengcebiso zokugcina iipesenti ezili-15 zengeniso yakho, ngamnye unyaka, ukuxhaswa iimfuno zakho zomhlalaphantsi. Le mali ingaquka i-dollar efana. Kodwa kwenzekani unayo ibhilikhi yezokwelapha ezingalindelekanga, okanye zombini abantwana bakho bangena kwiikholeji zabo zeendleko ezixabisa kakhulu? "Ubomi abukho mgca," u-Maurer uthi. "Ndiyincoma ukugcina njengoko unakho xa unako, ngokukodwa kwiminyaka yakho emncinci, xa ukugcina kulula." Kuloo minyaka, xa ungekho amathuba okubamba iindleko ezinkulu zokunyamekela abantwana, ukhuthaza ukunweba ukusindisa 20 ekhulwini. "Eyona nto inokwenzeka xa idibana. Ingeniso ephindwe kabini / akukho nendlu yabantwana-yithuba apho ndincoma ukukhawuleza ukugcina imali, "utsho.
Unokutsala umlinganiselo wokulondoloza xa unabantwana ngokuzondla iidola zakho ezibunzima, kodwa qiniseka ukuba uyayiphakamisa xa isidleke singenanto.
Invest in Health yakho
Ngokwe-Investment Fidelity Investment '2017 Inkxaso-mali yokuThengiswa kwezeMpilo kwiNkcazo yezeMpilo, isibini esinesibini esingama-65 kufuneka sicwangcise ukuchitha imali engama-275,000 kwiinkonzo zempilo ezingenakudliwa ngexesha lokuphila kwabo-isibalo esingabandakanyeli ukunakekelwa kwexesha elide kunye neendleko zekhaya lononophelo (ngaphezulu abo ngomzuzwana). Iipesenti ezingama-6 zixhuma ukusuka kwinombolo ye-2016, kwaye ixhomekeke kakhulu kwiipalamama eziphezulu ze-Medicare, i-copays, i-deductibles, kunye neendleko zonyango.
Esi sizathu esikhulu sokuba u-Erin McInrue Savage, umongameli wophicwaningo ku-AgeWave, uthi ukutshala imali kwimpilo yakho yenye yeentsika zesicwangciso somhlala-phantsi esakhiwe ukuhamba. Enye indlela yokwenza oko kukukwenza ngegalelo eliqhelekileyo kwiAkhawunti yokuThengiswa kweMpilo (HSA) ukuba ufanelekile.
Enye kukuqinisekisa ukuba uhlala uphilile. Njengoko iCloudveland Clinic noDkt Michael Roizen kunye nam incwadi encwadini yethu ethi "AgeProof: Ukuhlala ixesha elide ngaphandle kokugqithisa kwemali okanye ukuphuka i-Hip," kukho izinto ezine onokuzenza okunciphisa ukuvela kwesifo esingapheli ngama-75 ekhulwini:
- Gwema i-toxin (ingakumbi umsi we-cigarette)
- Yidla ngempilo (ukuphepha iswayi elula kunye ne-syrups, i-saturated kunye ne-trans and i-carb elula)
- Vuka uphume (ama-10,000 amanyathelo ngosuku luqala ukuqala)
- Phunyezwa isicwangciso sokunciphisa uxinzelelo.
Izifo ezingapheliyo, kwirekhodi, i-akhawunti engama-84 ekhulwini lweenkonzo zonyango. Imali eninzi ukuze ukwazi ukulima kwakhona kwizicwangciso zakho zomhlalaphantsi.
Ithemba leZona ziPhezulu, Ukuqinisekiswa kokubi kakhulu
Ekugqibeleni, kunceda uqaphele iinketho zakho zokuhlawula ekhaya-okanye ukunyamekela ngononophelo lwexesha elide ukuba kufuneka kube yimfuneko. Inkcazo yonyango yenkxaso yexesha elide yinto ekhethekileyo, kodwa ixabiso elinobuchule kwaye kunzima ukufaneleka xa usuwela i-50s yakho. Iimbini ezimbini ezincinci, ezitsha, iinketho zokuqwalasela: I-annuity echaziweyo (ngamanye amaxesha abizwa ngokuba yinshuwalense yesikhathi eside) othengayo kuma-50s ukuya kuma-60s, kodwa ungadalanga uze ufike kuma-80 okanye ngaphezulu. Imali inexesha elininzi lokukhula ukuba inzuzo ingabaluleka. Okanye umgaqo-nkqubo womshuwalense wobomi bomshuwalense, apho inzuzo yokufa iyakuthatyathwa ukuhlawula ukunyamekelwa kwexesha elide ukuba uyayidinga. Thetha kwiproputha yomshuwalense wobomi malunga nezo zikhetho.
NoEllie Schroeder