Kutheni na amanani aphezulu kangaka? Ukuboleka isiqhwithi esipheleleyo sezinto ezininzi. Kubaqalayo, abantu bahlala ixesha elide, kaninzi bengenamali eyaneleyo yokulawula umhlalaphantsi kunye neemfuno zonyango. UKim Parker, umbhali okhokelayo ekuhlolisweni kwe-Pew ka-2013, wathola ukuba umntu oyedwa kwaba-7 kuma-40s no-50s abo anika uncedo lwezezimali kubazali asebekhulile. Esi sisiphumo sokukhula komhlalaphantsi kunye nezindleko ezandayo zokunakekelwa kwezempilo-iiprojekthi ze-Investmentity Investment ezineminyaka engama-65 ubudala, ngo-2017 ziya kuchitha imali engama-275,000 kwiinkonzo zempilo ngaphezu kobomi babo bonke, iipesenti ezi-6 zanda ngaphezu 2016.
Okwangoku, i-age apho sinezingane ziye zahamba ngokukhawuleza kwimizuzu emibini edlulileyo, oku kuthetha ukuba abantu banako ukukhulisa abantwana ekupheleni kweminyaka engama-40 kunye nama-50s okuqala. Kwaye imarike yomsebenzi onzima kunye nenkokhelo ebolekayo yemboleko yabafundi iye yahlala iminyaka eminyaka ihlala ekhaya ixesha elide . Ingxenye yabantu abadala abadala abaneminyaka engama-40 ukuya kwengu-60 abavunyelwe ukuba baxhaswe ekuxhaseni abantwana abadala ngemali, nokuba inxalenye okanye ngokupheleleyo.
Ukunamathela kwisandwich kunemiphumo emibi: emoyeni, ngokomzimba nakwezemali. Ukuba ucinga ukuba unokuya kwisiqwenga, sekuyisikhathi sokuthabatha izikhetho zakho kwaye wenze ucwangciso oluncinane ngaphambili.
Thetha Abazali Bakho
Iingcali zokwakha ukuzinza ziya kukuxelela: Lawula ezo zinto ungazilawula, uze ushiye abanye ngaphandle.
Le ngcebiso efanelekileyo kule meko. Kungaba nzima ukuba uqikelele ukuba ngaba abantwana bakho baya kubuya ekhaya lakho njengama-boomerang , kodwa ubuncinane uqala ukufumana indlela ebonisa ukuba abazali bakho bahlala njani kwiimali zabo kwixesha elizayo. Kusenokwenzeka nokuba ube nexesha lokubanceda bahlasele iimeko zabo.
Qala ngokuthatha isitoreji sempahla nabazali bakho, uthi uChris Rogers, uMphathi wePhothifoliyo neCarroll Financial kuCharlotte, NC. Kubalulekile ukwazi ukuba ngabazali bakho bahlala phi ngokwezimali ukuze ungaboni kakuhle xa bephelelwa yimali-kunye, unako ukubanceda. Thatha i-stock of any debt and liabilities, iipropati ezifana neepensheni zabo kunye neNtlawulo yeNhlalakahle yeNtlalo, kunye ne-inshurensi yempilo, kunye nento abayichithele ngokubanzi xa kuthelekiswa nento abanayo. Ukuba abanqweneli ukuqala le ngxoxo-okanye ukucacisa ngamanani-okuqondakalayo, uRogers uthi, njengoko esi sizukulwana sihlala sibucala malunga nezimali zabo. Kodwa uya kufuna ukuqhubeka ujikeleza malunga nombandela de ube nolwazi oluninzi ngangokunokwenzeka.
Qinisekisa abazali bakho ukuba awuzami ukuthatha ulawulo lwemali yabo okanye ukhethe ukuzimela kwabo, kodwa ukuba uzama ukuvavanya lakho ikamva; ngamanye amagama, ngokuba nale ngxoxo, bancedisa wena kunye nabazukulu babo.
(Leso sinzima kakhulu ukuxhathisa.)
Setha iilindelwe ze-Kids Who Should Be Self-Suit
Xa kuziwa kubantwana bakho, kukho umehluko omkhulu phakathi kwabo bafika kwiinyawo zabo okanye bafumana okwesikhashana ukusukela kwi-backback kunye nalabo abonakala behlala ngokusisigxina kwinkqubo yokuhlawula iintsapho. Ingxaki, uRogers uthi, xa unabantwana abakhulileyo bexhaswa ukuba ngubani omele akwazi ukuzixhasa. Uthi: "Ngamanye amaxesha unothando olunzima luyimfuneko." Ukuba uyavuma ukuxhasa ngemali umntwana omdala uya ngento efana nokuqhawula umtshato okanye ukulahleka komsebenzi, qiniseka ukuba kucacile ukuba uza kubaxhasa ixesha elide, yintoni na ezo nkxaso ziya kubandakanya, kwaye zeziphi iimbopheleleko zabo zide zihlala phantsi kwephahla lakho okanye zithatha imali yakho.
Esinye isicwangciso kukuboleka imali esikhundleni sesipho kwiintwazana zakho ukuba ziseengxaki zemali. Ukuba uhamba kule ndlela, uRogers uyabhala, fumana amagama ngokubhaliweyo.
Khawucinge Ngezinto Zakho Ezingqondweni
Xa uxhasa abantu abadala abasweleyo okanye abadala abaxhomekeke kwizezimali, uyabaxhasa ngokwasemoyeni. Ngokutsho kwePew, phantse umntu wesithathu kula maqela avumelekile ukuba azive ephawuleza, kwaye isayensi isitsho ukuba ukuxinezeleka kwexesha-ukuvakalelwa kwexesha elingenalo ngokwaneleyo-kubangele ubomi obonwabisayo. Abasetyhini ngokukhethekileyo bachaphazelwa yinto, kuba bezokulindeleke ngokuqhelekileyo ukuba banakekele abantwana okanye amalungu omndeni asebekhulile.
Abantu abaninzi kule meko bajolise ngakumbi ekunciphiseni iindleko kunokufumana ixabiso, utshilo uSarah Newcomb, u-economist wokuziphatha kunye nombhali we "Uthintele: Imali, i-Psychology kunye nendlela oya kuhamba ngayo ngaphandle kokushiya iMilinganiselo yakho ngasemva." Le mpazamo enkulu. Nangona ukunyamekela umzali ngaphandle kokuzisa uncedo lomsindisi kunokukugcina imali ethile, loo mali ingabakho kwiindleko zentlalo yakho yempilo, umgangatho wobomi kunye nemveliso.
Iindleko ezinkulu kakhulu, nokuba kunjalo, ziba ngabalamano bakho nabazali bakho. I-Newcomb ithi ulwalamano phakathi kwabazali nezingane luhlala luhlahloka xa abantwana bethatha indima yomncedisi. Ufanele ucinge malunga nokuba ubomi bakho bemihla ngemihla buya kuba njani xa ugqiba ukugcina imali ngokunyamekela umzali wakho, "ushilo. "Ngokuqhelekileyo iindleko ezinkulu kunokuba zibe nolwalamano olunalo nalo mzali."
Gwema i-Martyr Narrative
Ekugqibeleni, iNewcomb icebisa ukunikela ingqalelo kwiibali esizixelela zona ezibangela iingcinezelo esizivelayo. Ucebisa ukuba abantu abaziva bexutywe ngesiqalo baqala ngokuzibuza imibuzo embalwa: Kuthetha ntoni kuwe ukuba ube ngunyana, intombi okanye umzali olungileyo? Ingaba le ngxelo ingabachaphazela njani iingcinezelo zemali okanye zengqondo ozivelayo? Umzekelo, iNewcomb ibona ukuba abanye abantu bacinga ukuba umzali omhle uhlawula iikholeji, okanye ukuba unyana okanye intombi enhle akayi kubafaka abazali babo kwikhaya labahlengikazi. Khawucinge ukuba uhlala "ulandelelwano lomfel 'ukholo" wokuzincama zakho iimfuno zokunyamekela bonke abantu.
Isinyathelo esilandelayo singabuyela kwezinye iindlela ongakhetha ngazo ngaphambili. Mhlawumbi ukholelwa ukuba umzalwana wakho akanakuxanduva, ngoko kufuneka uqhube umama kuzo zonke izigulane kunye nokupheka. Okanye ukholelwa ukuba ukuqesha i-nanny kubantwana bakho kwenza ube ngumzali ombi. Ukuqaphela nokuphonononga kwakhona ezinye zezi ndaba kunokukhulula ngokukhululeka.
NoEllie Schroeder