Oku kukhokelela kumbuzo ocacileyo: uyichaza njani umvuzo wonyaka? Umvuzo wakho oneminyaka engama-22 uhlukile kumvuzo wakho kwiminyaka engama-35. Umvuzo we-Denote ngokusekelwe kwisixa ohlawulwa ngawo kwixesha ngalinye. Ngamanye amagama, ukuba uneminyaka engama-35 ufumana i-$ 40,000 ngonyaka, kufuneka ube ne-$ 40,000. Ukuba ngaba uneminyaka engama-45 ufumana i-$ 50,000 ngonyaka, kufuneka ube namaxabiso amathathu, okanye i-150,000 $, igcinwe.
Awaziyo Imali Oya Kuyenza
Ewe, awuyazi ukuba uza kuzuza iminyaka elishumi okanye ezimbini kwixesha elizayo. Nangona kunjalo, ngenxa yeenjongo zokucwangcisa, unokwenza iprojekthi ukuba awuyiyo indlela efanelekileyo. Kukho iindlela ezimbini zokusingatha oku: mhlawumbi uthathe umvuzo wakho wangoku kwaye ungeze iipesenti ezi-4 ngamnye ngonyaka-oko kukunyuka kwamaxabiso kunye neepesenti eziyi-1 - okanye ukhethe inani onokuthanda ukulifumana ngexesha lokuguqula iminyaka ethile. Umzekelo, ukuba injongo yomntu ukufumana i-$ 90,000 ngonyaka ngelixesha abaneminyaka engama-35, kuya kufuneka baqale ukugcina ngezinga elilinganayo nolu hlobo.
Okubonakala ngathi i-Massive Savings Rate
Ezi manani zinokukwenza uzive ngathi ucela ukuba ugcine ama-sum. Kulo mzekelo ukhankanywe ngentla, umntu uya kufuneka agcine i-$ 40,000 ngeminyaka yokuqala yokusebenza yobomi bakhe (iminyaka engama-25 ukuya ku-35), elandelwa i-$ 90,000 ngelixa yesibini yokusebenza yobomi bakhe (iminyaka yobudala 35-45).
Ngamanye amagama, kwakufuneka aphindwe kabini kwisilinganiso sokulondolozwa kwakhe ngelixesha lesibini elisebenzayo (iminyaka engama-35 ukuya ku-45), ixesha elithile apho mhlawumbi ekhulisa abantwana, ehlawula imali , kwaye mhlawumbi uyayinyamekela abazali bayo. Kwenzeka njani oku? Ngamandla okutyalo-mali . Ngexesha elishumi leminyaka yokuqala yokusebenza yobomi bakho, iminikelo yakho iya kuvela kwiholo lakho. Emva koko, uya kuqala ukufumana amanqaku amaninzi , inzala kunye neenzuzo ezinkulu.
Ezi ziza kudlala indima enkulu ekuncediseni ukukhula okukhawulezayo kwe-akhawunti yakho yomhlala-phantsi ngexesha leminyaka embalwa yokugqibela yobomi bakho bokusebenza. Ngamanye amagama, imali yakho iya kwenza imali. Akufuneki ukuba ugcine imali yonke kwi-paycheck yakho; isixa olimalileyo siya kukhula ngokwakho njengoko uqhubeka nokunikela.
Qhubeka Ukhumbula
Ukuba inani lexeshana libonakala lincinci, zama ukugxininisa kuphela ekujoliswe kuyo. Emva koko, ingongoma yomsebenzi ukulungiselela indlela ongayilondoloza ngayo imali eyaneleyo yokuthatha indawo engu-85% yomvuzo wakho wokuphela ngexesha lokuthatha umhlalaphantsi. Ukuba awuyithandi umzamo wokuzama ukubetha ezinye iinjongo zokulondoloza nge-35 ubudala, 45 okanye i-55, nantsi enye indlela: yinqumle indlela enokuthanda ukuyifumana ngayo ngonyaka ngexesha lomhlalaphantsi.
Sebenza ngokubuya ukusuka kule nombolo ukuze ubone ukuba uninzi kangakanani olufunekayo ukulondoloza inyanga zonke, ukuqala ngoku. Udinga i-$ 1 yezigidi ukuhlala kumvuzo wama-40,000 wamawaka ngonyaka ngomhlalaphantsi, ngokwemigaqo ye- 4 yeepesenti . Ungayisebenzisa le tafile ukuze ufumanise ukuba ungakanani okufuneka ubeke eceleni nganye inyanga ukwenzela ukwakha i-portfolio ye-$ 1 yezigidi.
Ngokomzekelo, ukuba uneminyaka engama-34, awukho nto egcinwe kumhlala-phantsi okwangoku, kwaye ufuna ukuhlala phantsi ngo-65 kunye ne-$ 1 yezigidi ukugcina imali, kuya kufuneka uqale ukulahla i-$ 750 ngenyanga, uthatha iphothifoliyo yakho eyenziwa kwimbali yeemarike Umyinge wexesha elide elingama-7 ekhulwini.