Ngaba uthatha umhlala-phantsi kwiminyaka yobudala ukuhamba ngokuhlakanipha?
Idata ye-US Census Bureau ibonisa ukuba iminyaka yobudala yomhlala-phantsi e-United States ineminyaka engama-63 ubudala. Nangona kunjalo, iminyaka engama-63 iya kuthatyathwa njengeminyaka yobudala bokuthatha umhlalaphantsi malunga nendlela i-Social Security and Medicare inzuzo ngayo.
Idatha ye-US Census Bureau ibonisa ukuba ubude obude bomhlala-phantsi buyiminyaka eyi-18.
Umhlalaphantsi Umhlala-mali ulinganiselwa nguRhulumente
Umyinge weminyaka yobudala yomhlalaphantsi uhluka ngoburhulumente. Kwilizwe ngeendleko eziphezulu zokuphila, njengendawo yaseNew England, ubudala bomhlalaphansi obude buphezulu.
Abantu basebenza ixesha elide kuba kufuneka bafumane umhlalaphantsi kwilizwe labo. Kwilizwe elinomsebenzi ongaphangeliyo, ubudala bomhlalaphansi buphantsi. Abantu abangenakufumana umsebenzi baphoqeleka ukuba baye kumhlala phantsi ngaphambi kokuba bafune. Enye yeendawo kunye nobudala bokuqala umhlalaphantsi ngummandla we-Appalachian.
Ukhuselo lwezeNtlalo kunye neMpilo yomhlalaphantsi
Ukhuseleko lweNtlalo lusebenzisa ixesha elipheleleyo leminyaka yokuthatha umhlalaphantsi esikhundleni sokuba ininzi yethu ingacinga "njengomyinge" okanye iminyaka yobudala yomhlalaphantsi. Ubudala obuhlala phantsi komhlalaphantsi, oboniswe njenge "FRA," ngumlinganiselo apho ufumene inani lakho elipheleleyo loNcedo lweNtlalo. Unyaka wakho wokuzalwa unquma ukuba yi-FRA yakho. Nabani na oneminyaka engama-62 ubudala ngo-2017 okanye ngaphaya kweza kuba ne-FRA ezi zigaba ukusuka kuma-66 ukuya kuma-67 ubudala. Ukuba unabango inzuzo ngaphambi kwe-FRA, ufumana inzuzo encitshisiweyo, kwaye ukuba ubango inzuzo emva kokufikelela kwi-FRA, ufumana inzuzo eyongeziweyo.
Uncedo lweMedarela luqala ngo-65 ubudala.
Ukuba uthatha umhlalaphantsi phambi kweminyaka yobudala engama-65, kuya kufuneka ube nesicwangciso esikolweni ukuhlawula i-inshurensi yezempilo yangasese uze uvumelekile ukuya kwi-Medicare.
Ukuba Ukufutshane Nomhlalaphantsi
Kungakhathaliseki ukuba uneminyaka yakho, ukuba uneminyaka engama-5 xa ucinga ukuba uya kufuna ukuhlala phantsi , kufuneka uqale ukucwangcisa ngoku. Ukwakha imali yokugcina imali, qulunqa izicwangciso ezisekelwe kwiminyaka eyahlukeneyo ukuqala ukuKhuseleko loLuntu, kwaye uqaphele ukuba uzakufuna phi ukuchitha unyaka ngamnye.
Musa ukulinda unyaka ofuna ukuhlala phantsi ukuqala lo cwangciso. Xa ulungele ukulungeleka, kuya kuba ngcono xa uya kuba ngumntu ongenakho umsebenzi ekuthathe umhlalaphantsi ngaphambilana naxa ucebile.
Ukuba ufuna ukuthatha umhlalaphantsi kusasa - kwaye ngethuba lokuqala ndiyathetha nayiphi na ixesha phambi komyinge wokuhlala umhlalaphantsi - kuya kufuneka ucebe iminyaka emininzi kwimhlalaphantsi kunokuba umntu oqhelekileyo uya kuba nayo. Unokuchitha i-25, 30, okanye iminyaka engama-40 ngomhlalaphantsi. Kukho izinto ezininzi zokuqwalasela ngaphambi kokuba uthathe umhlalaphantsi kwangoko, njengendlela uza kuhlawula ngayo iindleko zonyango, impilo yakho (ixesha elingakanani uhlala kuyo), kwaye uza kwenza ntoni ngexesha lakho.
Uyakufuna kwakhona ukuvavanya xa uqala ukuKhuseleko loLuntu, nendlela yokuqalisa ukudibanisa i-akhawunti yomhlala phantsi ukwenza izinto zibe lula ukulawula.
Ukuqhawula kwiRhafu
Ukuhlala phantsi kubonisa utshintsho olukhulu endleleni yokuphila. Kwamava am, abantu abaninzi bahamba phambili ngokuguqulwa ngokuqhubekayo ukusuka emsebenzini wesikhathi esigcwele ukuya kumhlala-phantsi wokugqibela. Oogqirha kunye nabanye abaqeqeshi njengabagcini-zimali okanye amagqwetha kaninzi banako ukunciphisa ishedyuli yabo yomsebenzi iintsuku ezine ngeveki, emva kweentsuku ezintathu ngeveki, njalo njalo. Ukuba unako ukulungiselela oku, kukuvumela ukuba uqhubeke nokusebenzisa izakhono ozifumene kwaye usebenze iminyaka emdlulileyo kwiminyaka yobudala bomhlalaphantsi, kodwa ngexesha eliphantsi.
Ukuba awuzange ulondoloze ngokwaneleyo, ukwandisa iminyaka yakho yokuthatha umhlalaphantsi ukususela kwiminyaka yobudala engama-62 ukuya kwiminyaka eyi-65 yokuthatha umhlalaphantsi kunokuthatha impembelelo enkulu kwimpumelelo yakho yemali yesicwangciso sakho somhlalaphantsi. Esinye sezizathu kukuba i-Medicare iqala ngo-65 kwaye ngaphambi kokuhlawula unyango lwezempilo ngokwakho kunokubiza. Kwakhona, ngokusebenza ixesha elide, uneminyaka emithathu eyongezelelweyo yokwenza imali ekunokulondoloza esikhundleni sokurhoxisa kwi-savings.
Ukusebenza ixesha elide - Ngokuqhelekileyo i-Smart Move
Kwabo bacwangcisa ekusebenzeni ngokwexesha elidluleyo lomhlalaphantsi, cingisisa malunga nexesha oza kuqalisa inzuzo yakho yeNtlalo yeNtlalo. Abanye abantu bacinga ukuba baya kuphinda kabini baphinde baqalise ukuKhuseleko lweNtlalontle ngethuba ngeli xesha beqhubeka nokusebenza-kodwa ukuba uqala izibonelelo kusenokwenzeka, ungancika kumyinge we- Social Security limit - okuya kufuna ukuba uhlawule ezinye iinzuzo emva kokuba wenza imali.
Njengoko siphila ixesha elide kunanini ngaphambili, abantu abaninzi kufuneka baqwalasele ukuyeka umhlalaphantsi kude kube seminyaka engama-70. Ukubeka umhlalaphantsi kude kube yilapho ungasakhathazeki xa ufika khona. Emva koko unako ukuphumla kwaye ujabulele iminyaka yakho yomhlalaphantsi.