Vanopfuura makumi mana nevana vashoma kuti varege kubhadhara mari? Hazvisi Zvakare.
Kana uri umwe wemamiriyoni eAmerica ari kune rumwe rutivi rwemakumi mana uye haasati ava nechikafu chekurega basa chikafu, usaora mwoyo. Hazvina kunonoka, asi unoda kushandisa dzimwe nzira dzinokudzosera pamugwagwa.
Tarisa Kuti Unoda Zvakadini Mukurasikirwa
Ongorora zvingangoita mari yakawanda yaunoda kuti urarame paunenge uchitora basa. Usapindira nemazano anopesana pamusoro pokuti ungaverenga sei mari yacho.
Mufananidzo webhoppark inzvimbo yakanaka yekutanga. Funga kushandisa kushandisa mari yekugadzirisa purojekti kuti ikubatsire kuziva kuti iwe unoda kuva neiko.
Tora Zvaunowana Mitsva
Kana uchinge wava nemafungiro ekuwanda kwaunoda kubhadhara, tarisa kuti chii chichave chiripo kubva kune mamwe mabhuku kunze kwekuchengeta kwako. Semuenzaniso, chii chaunotarisira kuti Social Security rubatsiro pazera rekurega basa ? Iwe iwe kana wewakaroorana naye mune penheji kubva kune aimboita kana kuti iye zvino ari mushandi? Kana iwe une 401 (k) chirongwa, chii icho chaunotarisirwa nacho pachizvarwa chako chekurega basa ? Shandisa chimiro chekusimudza chekukura kuti urege kudzivisa.
Isa Zvinangwa Zvemari
Ita zvinangwa zvekusvika mari yaunoda kuti iwe uite musiyano pakati peHuman Security , pensions, uye chero ipi zvayo yemari yekurasikirwa yaunenge uine.
Max Out Your 401 (k)
Kana mushandi wako ane 401 (k) kana 403 (b) kana chimwe chirongwa chekubhadhara mari yezvipo, uye iwe hausi kutora chikamu, chengetedza nhasi uye edza kugovera huwandu hwakabvumirwa nemutemo.
Yeuka kuti kubhadhara mutero pamabhenekeri ako kunotadzisa kuputika. Kana uri mubatanidzwa wehurumende uye hurumende yebhadharo yebhasi ye 35 muzana, zvipo zvako zvinongokubhadhara chete masentimita makumi matanhatu emadhora ose aunoisa muakaunti yako. Kudzokorora 401k uye Retirement Plan Limits zvegore rino remitero uye zvakare kufunga kugadzira "zvikwereti".
Kana wako mushandi achienzanisa chikamu chemupiro wako, iyo mari yekusununguka iwe haufaniri kudarika. Wedzerai mubhadharo wenyu mubhadharo kumitambo yenyu yekusasiya uye iwe uchava nemari yakawanda yakawedzerwa ye $ 364,000, uchitora 50 muzana yevashandisi mutsva, pamwe chete nemadhora anodarika mamiriyoni.
Enda kuRoth
Kana iwe ukaita pasi pezvikamu zvekuwana mari, iwe unogona kugovera kuRoth IRA kuwedzera kune yako 401 (k) kana 403 (b) chirongwa. Mupiro hausi mutero-wakabviswa, asi mari inenge isingabhadhara mutero mukutora basa. Mupiro wepamusoro kune Roth IRA muna 2006, kana uri pasi pemakore makumi mashanu anopfuura $ 4,000 ($ 5,000 kana uri kupfuura makumi mashanu). $ 4,000 pagore richakura kusvika madhora 208,000 mumakore makumi maviri nematanhatu ari pa7 kubva muzana yekudzoka, uye iwe hauchazobhadhara mitero pane chero mari yaunowana muRoth IRA yako.
Usave Wakazvimirira
Kunyange pazera remakore makumi mashanu nemashanu kana makumi mashanu, iwe une makumi emakumi emakore nekuda kwekubhadhara mari yako yekubhadhara kukura, saka shandisa mari yakawanda mukunyatsotsvakurudzwa, zvikwata zvakaratidzwa, kana kuti zviri nani, pamwe chete .
Funga kuchinja kana kuderedza
Kana iwe uchigara mune imwe nzvimbo ine mari yakakura yekurarama, uchienda kune imwe nzvimbo inodhura uye kuisa mari yako yekuchengetedza mari inogona kuita kusiyana kwakakura mukukwanisa kwako kuunganidza dendere rakanaka egg.
Kana vana vako vakasiya dendere uye iwe uchiri kurarama muimba huru iyo yave ichikoshesa kukoshesa, funga kuitengesa uye kutenga imba shoma, isina kudhura. Iwe hauzoponesi chete pamutengo wako wekutora chikwereti, asi munzvimbo dzisinganyatsooneki sokudhura kwekupisa, kunotonhora, kuchengetedza, nekugadzirisa imba yako, mitero yemitero , nezvimwe. Unogona kukonzera mari yose yekurega kurega kana kushandisa vamwe vavo kuti ufare muupenyu hwako ikozvino.
Tora Mubhuku reChipiri
Kana iwe unonetseka pamusoro pekukwanisa kuunganidza mari yakakwana yekurega basa, funga kutora basa repiri uye kuisa mari yako.
Play Catchup
Mitemo yemitero iye zvino inobvumira ivo vanopfuura makumi mashanu kuti vape chikamu chiduku kune 401 (k) -ppe retirement retraite uye IRAs, saka vanogona kuita zvishomanana sezvavanenge vava pedyo nemakore ekurasikirwa. Shandisa izvozvi kana iwe uri kupfuura makumi mashanu.
Bvisai Chikwereti
Kana iwe wakatakura zviuru zvemadhora emari yekukwereta kadhi rechikwereti uye iwe uchibhadhara mari shoma mwedzi mumwe nomumwe , iwe unogona kubhadhara mari yako yekuenda kune imwe nzvimbo iri kuenda kune imwe kambani yako yekadhi yekwereti nenzira yekufarira. Kubhadhara chete kubhadhara mari shoma pamakadhi emakadhi ndeimwe yemhosva dzakaipisisa dzemari dzaunogona kuita. Tanga kushandisa zvese zvichibvira kumakero ako ekadhi rechikwereti uye kamwe chete pavakabhadharwa, sarudza kubhadhara chikwereti chakazara mwedzi mumwe nomumwe. Iwe uchashamiswa nemari yakawanda iyo inosunungura mari yekuchengetedza mari pane imwe nguva.
Mukuru iwe uri paunotanga kunyanya kuchengetedza zvekurega basa, zvakaoma iwe uchafanira kushanda pairi, asi zvinogona kuitwa nekutevera mazano ari pamusoro apa, saka usarega kusava nechokwadi kana kuora mwoyo kukuchengetedze kubva pakutanga, zvisinei yezera rako.