Umyinge Wokuhlala Umhlala-phantsi Umhlala-Meyi Ngomhla
Mhlawumbi ngaphantsi kokucinga kwakho.
Umyinge wokuLondoloza umhlala-phantsi kwi-20-Somethings
Phakathi kwemivuzo emininzi kunye nemithwalo yemithwalo yemboleko yemali eyimithwalo yemithwalo enzima, izigidi zeminyaka zijongene neminye imingeni enkulu yokugcina umhlalaphantsi. Kodwa, ngokucwaninga ngo-2017 eBhangeti, i-Millennial ihamba phambili xa kufikelelwe ekuncediseni ngokukodwa kwisicwangciso somhlalaphantsi.
Ngokuphathelele ubuninzi abawusigcine, iSixeko seTransamerica se-Retirement Studies siqikelela ukulondolozwa komhlala-phantsi kumashumi eminyaka kwi-31,000. Ngokwe-Fidelity, umlondolozi oqhelekileyo kufuneka abe nenjongo yokufumana umvuzo wonyaka owodwa ogcinwe ngumntu oneminyaka engama-30. Emva kokucinga, uneminyaka engama-25 ubudala kufuneka alindele ukuba nama-25 ukuya kuma-50 ekhulwini kuloo manani.
Iinkcukacha ezivela kwiBhodi yeZibalo zabasebenzi zibonisa ukuba umyinge oneminyaka engama-25 ubudala ufumana umvuzo wonyaka wama-40,352. Ukusebenzisa le nombolo, into engama-20 engama-31,000 e-$ 000 kwi-savings ingakwazi ukuba yindlela efanelekileyo yokufikelela umvuzo weminyaka ogcinwe nguminyaka engama-30.
Umyinge wokuThengisa umhlala-phantsi kwi-30-Somethings
Emva kokuba ufake i-30s yakho, umfanekiso wakho wezezimali unokuqalisa ukutshintsha. Unokuba uzuza ngaphezulu kodwa utshintsho lobomi, njengokutshata okanye nokuba nabantwana , lunokwandisa iindleko zakho. Iindleko eziphezulu zingenza ukugcina umhlalaphantsi kunzima.
Ngokutsho kweNkcazo yezoQoqosho, umlinganiselo wokugcina umhlala-phantsi wabantu baseMelika abaneminyaka engama-32 ukuya ku-37 ngu-31,644.
Loo nani ukhulisa ngokukhululeka ukukhusela ekupheleni kweminyaka engama-30 no-40s. Kule ngongoma, imali yokugcina umhlala-phantsi ikhula kuma-67,270 ayi-Amerika ase-38 ukuya ku-43 ubudala.
Ingumntu oqaqambileyo kodwa uneminyaka engama-30 engama-70 ehamba phambili egcina isantya? Umvuzo wonyaka we-median wama-35 ukuya ku-39 ubudala ubudala ngowama-50,752, ngo-BLS. Ukunyaniseka kukucebisa ukuba umyinge oneminyaka engamashumi amathathu anesihlanu ubudala uhlawule kabini umvuzo wabo ogcinwe umhlalaphantsi, ukuphakamisa loo mivuzo kathathu ngeminyaka engama-40. Ngokusekelwe kumanani e-EPI, i-thirty-somethings are missing the mark.
Umyinge wokuThengisa umhlala-phantsi kwi-40-Somethings
Ngama-40s akho, unokuthi uhambele kwiminyaka yakho yokufumana imali kwaye uthwale ityala elincinci. Kodwa ithemba lokuhlawula abantwana bakho kwiikholeji lingafaka uxinzelelo kumandla akho okugcina umhlalaphantsi.
Amerika asekuqaleni kweminyaka engama-40 anemizuzu engama-67,000, njengoko inani le-EPI libonisa. Kubantu abaneminyaka engama-44 ukuya kwengu-49 abaneminyaka engama-49 ubudala, ukugcinwa okulinganiselwe ku-$ 81,349. Imali iqalisa ukunyusa kodwa ngokubanzi, abasindisi kuma-40 abo banomsebenzi wabo owanqunyulwa.
Umyinge wokuLondoloza umhlala-phantsi: i-50s nangaphezulu
Ngethuba ufikelela kuma-50s, unokulindela ukuba ube nomtya okhululekile weemali ezibekiwe eceleni komhlalaphantsi.
Ukuguquka kwama-50 kunika ithuba lokukhupha imali yakho yokugcina imali, ekubeni unokuqala ukwenza iminikelo yokubambisa kumqeshi 401 (k) okanye i-akhawunti yakho yomhlalaphantsi. Kodwa, idatha ye-EPI ibonisa ukuba iziganeko ezingama-50 no-60 zisekho indlela ende yokuhamba.
Ngokutsho kophando, ukugcinwa kwemali yomhlala-phantsi kwemindeni eneminyaka engama-50 ukuya kweyesi-55 ngu-124,831. Kwiintsapho ezineminyaka engama-56 ukuya ku-61, i $ 163,577. Lezo zibalo zingaphantsi kweedola ezili-1 zeerandi ukuba iingcali ezininzi zincoma njengenjongo yokulondoloza umhlalaphantsi. Ngoxa uxolo loLuntu lweNtlalo luyakongeza ukulondolozwa komhlala-phantsi oselekhoyo, inzuzo yenyanga yomhlala-phantsi yomvuzo we-$ 1,329 ingenakwanela ukuzalisa isithuba.
Ukugcina Umyinge wokuThengiswa koMhlala-phantsi kwiNgcamango
Ngokubhekiselele ekusebenziseni ukulondolozwa ngokweminyaka yobudala njengempembelelo yesicwangciso sakho sokuthatha umhlalaphantsi, kubalulekile ukuqwalasela umfanekiso omkhulu.
Kuzo zonke iindidi, ukugcinwa komhlalaphansi ngokwemali ngu-$ 95,766, ngokwe-EPI. Ngokubanzi, idatha ibonisa ukuba amaMerika awalondolozi ngokwaneleyo umhlala-phantsi , kungakhathaliseki ubudala.
Njengoko uvavanya isicwangciso sakho, kubalulekile ukuba ungavumeli ukugcinwa komhlalaphantsi osemgangathweni ngeminyaka kukuphazamise kwiinjongo zakho. Nangona ingaba yindlela efanelekileyo yokuthelekisa ukugcina kwakho, imbambano ebalulekileyo kukuba ingaba ulondoloza ntoni ngoku kuya kukuvumela ukuba ube nomhlalaphantsi owufunayo.
Ukuba ukonga kwakho kungaphantsi komyinge weqela lakho leminyaka, lixesha lokuphinda ucinge ngesicwangciso sakho kunye nento ongayenza ukuze ubuyele kwi-course. Ngokomzekelo, ukuba awugcini ngokwaneleyo kwisicwangciso somqeshi ukuba ufumane igalelo elihambelana ngokupheleleyo, unokucinga ukuba ukwandisa ama-deferrals akhokhelwayo omvuzo. Okanye, ukuba awukwazi ukufikelela kwi-401 (k), unokusebenzisa i-IRA ukukhulisa imali yakho.
Ukuqwalasela ngokuchanekileyo malunga nexesha lakho lomhlala-phantsi kufuneka kwakhona. Ukuba unako ukugcina ngaphantsi kunokuba ungathanda, kufuneka ucinge ukuba uhlale ixesha lakho ixesha elide okanye usebenze ixesha elide emva kokuba uthathe umhlala phantsi ukuba wenze nantoni na. Ukubala ubuninzi obufunekayo ukuba uthathe umhlalaphantsi , ukhangela oko sele usilondolozile kwaye uqikelele ukuba uzakufuna phi ukufikelela kwiinjongo zakho kunokukunceda ukuba uyilole iplani yakho ngempumelelo.