Disemba 31 iphinda iphinde ifike, kwaye siya kufuna ukuqala ukucwangcisa ukucwangciswa kweerhafu ekupheleni konyaka we-2017. Ngokuqinisekileyo, kunikezwe ukungathembeki malunga nokuba iCongress idlula i- bill yeRhafu yeNdlu, ingqungquthela yeSenate, into ephakathi, okanye akukho nto (!), Ekupheleni konyaka kuya kuba yinto engakumbi yokujolisa.
Ndiyifumene loo myalezo kwibhokisi yam imeyile iveki eveki. Kwafika, njengoko unokulindela, kumgcini-akhawunti wam othembekileyo.
Kodwa ingahle ifike kwiiyiphi zeebhokisi zakho zeposi. Nangona iWashington igxininisa kwizoqoqosho lwelizwe, kuya kuthi ngamnye kuthi angene kwizoqoqosho zethu-ngeso liso lokwenza ukuhamba kwemali phambi koDisemba 31 oya kunciphisa iindleko zerhafu ziza ngo-Apreli. Kodwa kuqala, ukusuka kuJill Schlessinger, uManyanisi weBhodi oyiNtloko yeCFP, isilumkiso:
"Ndandisoloko ndikholelwa entliziyweni yam iintliziyo ukuba ukuba ufuna ukuzama ukumnandi, unokuzisola ... Sifanele siqaphele ngendlela esenza ngayo ezi zigqibo zihamba phambili."
Ngaloo nto engqondweni, nantoni na oku kufuneka uyenze ngoku:
Qala ekuqaleni. Ukuqala, ichaza i-CPA Ed Slott, apho ihlala ikhona-nentlawulo yakho yerhafu ukusuka kunyaka ongaphambili. Yona imephu yakho yendlela ekubanjwe ngayo kunye neentengo ezithathile ngaphambili.
Yenza uninzi lwemali kunye namakhredithi angenakufumaneka kwixesha elizayo. Njengoko ubheka imbuyekezo yakho yangaphambili, qwa lasela ukufumanisa iintlawulo ezingenakufumaneka kwiminyaka ezayo.
Ukuncitshiswa kweerhafu zorhulumente kunye neendawo zendawo ku-block block, umzekelo. Ngaba unokukwazi ukuhlawula ezinye zeerhafu zonyaka ozayo kulo nyaka ukuze uthathe ixabiso elincinci? Unokufuna ukuhlawula iirhafu zepropati ngaphambi kokuba zingenakucatshulwa ngonyaka ozayo, utsho uSlott. Ukuba ungumntu oqhelekileyo wenza i-$ 50,000 ukuya kwii-60,000 zama-$ 60,000, ukuba unayo ikhaya, unokuhlawula i-$ 10,000 ukuya kwii-15,000 zamawaka kwiirhafu zexabiso kunye neerhafu zerhafu.
"Ukuba awufumani ukuncitshiswa, okokuba irhafu yakho inokunyuka ngamawaka," ushilo. Olunye uhluthiso olunokuthi lupheliswe luquka ezo zindleko zonyango, iindleko zokuhamba (nangona xa kuqhagamshelana nomsebenzi) kunye ne-prep tax. Buza i-akhawunti yakho ukuba unakho ukuhlawula ngoku ukubuyisela i-2017 ngoku, utsho u-Elde Di Re, uMlingani kwi-EY yoNcedo lwaBathengi beeNkonzo zabasebenzi.
Khangela ingqalelo isicwangciso sakho sokunika isibonelelo . Enye yeenguqu ezinokuthi zihamba ngendlela yethu yinyuka ekuncitshweni okuqhelekileyo kwiingxowa ezili-12,000 kunye ne-24,000 zamawaka ezibini. Njengakwixesha elidlulileyo, ukuba uthabatha ukutsalwa okuqhelekileyo, awuyikwenzela (kunye nakwezinye izinto). Kodwa ukwanda kuya kuthetha ukuba kubantu abathile abaye baxela kwixesha elidlulileyo, akusayi kuba neengqiqo kwixesha elizayo. Ukuba uyakrokrela ukuba ungomnye wabo, unokufuna ukunikela okungakumbi kuncedo kulo nyaka kwaye wazi ukuba uyafumana inzuzo. Enyanisweni, ukuba unesiva, unokufuna ukukhawulezisa iminikelo yakho kwiminyaka ezayo ngokubeka imali kwenye yezibonelelo ezixhaswe ngabaxhasi ukuba amaziko emali azinzile njengezibonelelo. "Masithi uthe wanika i-$ 1,000 kwi-alma mater yakho, kwaye ucinga phantsi kwalo mgaqo-mitsha weemithetho unokwenza uthabathe umlinganiselo oqhelekileyo unyaka wonke," kusho uDi Re.
Ungabhala isheke ngoku i-$ 5,000 okanye i-$ 10,000, kwaye ufumane ukuncitshiswa kwesixa-mali ngo-2017-emva kwexesha, usasaze imali kwi-alma mater yakho. Yaye ukuba ucinga ukuba uya kuqhubeka uyenza? Ewe, asisoze sichaza ukuba awuyikuxhasa izizathu zakho ezizithandayo. Kodwa ukuba ufuna imali eyongezelelweyo ukuhlawula ngaphambi kokuhlawulwa kweminye imithwalo echithwe ngaphambili, ukunyusa izipho zakho ngo-2018 kunokukwenza ingqiqo yemali.
Rethink yakho ityala. Enye yezona zigugu ezinkulu zinguqu kukunciphisa inzala kwimali-mboleko. Okwangoku, inzala kwimali-mboleko engama-$ 1,000,000 ichithwa, kodwa loo nto ingaba yincinci-kwaye inzala yokubanjiswa kwemali mboleko kwindlu yesibini kunye neengxowa-mali zokulingana ekhaya zingasuswa. Unokusondela njani loo nto? Ukuqhuba amanani. Jonga ngokutsha amatyala akho kwaye ubone ukuba kuyaqondakala ukuba uyihlawule ngoku okanye ukhawuleze.
Zibuze: Ukuba ndiyisebenzisa imali ukuze ndiyihlawule, "yintoni na loo mali eyenza mna?" Kusho uDi Re. Ukuba bekuhleli kwi-akhawunti yasebhanki efumana ipesenti ezili-1, ukuhlawula umboleko wakho kungayifaka imali kwi-pocket yakho. Ukuba ityala imali kwiimarike apho ufumana imali ephezulu yokubuya, mhlawumbi akunjalo. Qalisa iimeko ezifanayo kwiimali-mboleko zabafundi ezingahle zilahlekelwe ngumdla wokunciphisa.
Unzima kakhulu kumhlalaphantsi. Ekugqibeleni, uSchlessinger uthi, nangona sasinomzuzwana "xa sixakekile" xa sinexhala lokuba kuya kuba nomda wokugcina imali kwi-akhawunti yomhlalaphantsi, ngoku ikhona etafileni. Ngaba ufuna i-bongo enkulu kunayo yonke ibhakethi yakho ekucwangceni konyaka? Ukuxolisa phantsi komhlalaphantsi yindlela yokwenza. Kwiimali zokugqibela zakho zokuhlawula, bump up umhlalaphantsi wakho umnikelo. Tshela umqeshi wakho, umzekelo, ufuna ukubeka iipesenti ezili-15 kwiiveki ezimbalwa zokugqibela zonyaka. Ukuba ubeka imali kwi- IRA-Roth, yendabuko okanye i-SEP- ude ufike kwirejista yokufakela irhafu (ngaphandle kwezandiso) ukuze ungene imali. Ulondoloze ngakumbi umhlalaphantsi kwaye unciphisa uxanduva lwakho lwerhafu ngeli xesha, utsho.
Kunye neHayden Field