Ziziphi iwakawaka zeeMinyaka eziyakwenza ngoku ukukhuphula imali yokugcina umhlalaphantsi

Yenza Uninzi Lwemali Yakho Yokusindisa Ukuhlawula Umhlalaphantsi Wakho Iphupha

Izifundo ezininzi kunye nophando zibonise ukuba iwaka leminyaka lilinde ixesha elide kwaye lide ligcine ukugcina ubomi babo emva kobomi . Oku kungenxa yokuba umhlala-phantsi uvakalelwa njengawo mgama okude xa uqala ukungena kubasebenzi kwaye kubonakala ngathi awuyi kufika khona. Nangona kunjalo, nabani na osondela kwiminyaka yabo yokuthatha umhlala-phantsi baya kukuxelela ukuba ixesha libaleka, kwaye ukwakha isidleke esinika isibeleko kuba nzima nakakhulu xa uqala kamva.

Kukho amanyathelo amabini afunekayo ukuba uthathe xa ubeka umhlaba wakho wokuqala msebenzi. Gcina okungenani iipesenti ezingama-20 zemali engenayo, kwaye ubhalise kwi-401 (k) icebo lenkampani yakho. Emva koko vumela iminyaka yomsebenzi oqulunqayo umlingo wabo kwiqanda lakho lesidleke. Nangona unokuba negalelo elincinane kwisicwangciso sakho somhlala-phantsi ekuqaleni, kungcono kunanto. Ngoko ngoku ukuba unesiseko esengqondweni, ixesha lokugxila ekuphuhliseni uqeqesho kunye nomnqweno wokukhupha imali yakho yokugcina umhlalaphantsi . Nasi isicwangciso-sinyathelo esi-3 sokwenza uninzi lwayo lokugcina umhlalaphantsi nokwakha ubutyebi ngekamva lakho.

1. Thatha inzuzo yomqeshwa wakho 401 (k) Umdlalo

Awufuni ukushiya nayiphi na imali yamahhala etafile, kunene? Abaqeshi abanikezelayo ukufanisa igalelo lakho baya kukwenza ukufikelela kuma-3-6 ekhulwini lomvuzo wakho wonyaka. Fumana indlela umqeshi wakho anika ngayo igalelo elifanayo kunye nokuqinisekisa ukuba unika imali eyaneleyo kwi-401 yakho (k) ukuze ufumane ipesenti zomlinganiso wakho womqeshi.

Ngoko ke, ukuba wenza i-$ 50,000 kunye nomphathi wakho ulingana nama-401k ukuya kuma-5 ekhulwini, qi ni sekise ukufaka i-$ 2,500 kwi-nyaka.

2. Fundisa iRoth IRA kuMax

Kutheni ungayifaki yonke into engama-401k? Uvuyo ucele. Impendulo inxulumene neenzuzo zerhafu ezizayo. Iminikelo yakho engama-401k inqunywe kwingeniso yakho engenayo kunyaka owenzayo.

Kodwa uyifumana irhafu kuloo mali xa uyayihoxisa umhlala phantsi. Ngakolunye uhlangothi, iminikelo kaRoth ayinako ukuhlawula irhafu kunyaka owenzayo.

Xa uvula iRoth, wenza njalo ngenzuzo yerhafu yerhafu. Uza kuhlawula irhafu ngemali eya kwi-akhawunti kodwa zonke iirhafu zokurhoxisa kwixesha elizayo zihlawule irhafu (kubandakanywa nemivuzo yakho iqokelele kuyo yonke loo minyaka). Ngonyaka, unako ukufaka isandla kwi $ 5,500. Ukongeza, unako ukuboleka umrhumo (kungekhona umvuzo) nangaliphi na ixesha ixesha lokuhlawula irhafu kwaye ngaphandle kwesigwebo, ukuba ufuna.

3. Ukwandisa Iminikelo Yakho Yogqirha Njengoko Uqala Ngomsebenzi Wakho

Kukulungele ukuqala encinci ekuqaleni, ngokukodwa ngomvuzo wokuqala. Kodwa njengoko ingeniso yakho iyanda, kufuneka ukuba u- 401 (k) wakho umnikelo . Phuma kwi-401 yakho (k) xa kunengqiqo kwaye ufike ngokusondeleyo kunokuba unyaka ophezulu uncedo lwe-18,000. Eminye i-401 (k) izicwangciso zinikela ngokunyuka kwegalelo lonyaka lonyaka we-1-2 ekhulwini eyenza inkqubo ilula kancane. Nge-automation, awuyi kuqaphela ngokucacileyo umahluko kwiintlawulo zakho kwaye uya kuba uhlawula kuqala.

Xa kuziwa ekuthatha umhlalaphantsi kuninzi inyaniso kwilizwi elithi "ixesha yimali." Inzala ethandwayo yenza ukubahluko omkhulu kulabo abatyala ixesha elide.

Kwaye inzuzo engaphezulu unokuqokelela ithuba elihle leqanda lakho lokukhula.

Uxhasomali lwama-401 (k) kunye neRoth linikeza okulungileyo kwiimbini zombini. Ufumana ukuphulwa kweerhafu kunye negalelo lomqeshi kulo nyaka ukusuka kwi-401 (k) negalelo. Emva koko, xa umhlala phantsi, xa iirhafu zingaba ziphakamileyo, ufumana ukunikezelwa kwentela kwiRoth. Yimali ekhululekile iza kwaye iya!

Smart. Uhlakaniphile kakhulu.