Dzidza Kusiyana Kwakasiyana Kwazvo pakati Panofara uye Vasingafari Vakaroti
Kusarura kunowanzoratidzwa semubayiro weupenyu hwekushanda uye dambudziko; semutambo wokupedza mutambo wokupedzisira. Asi muzvokwadi, kurasikirwa ndeimwe chikamu chehupenyu; imwe yaunofanirwa kugadzirisa zvose mafungiro nemari, sezvawakaita pakutanga mhuri kana kuchinja mabasa.
Unonyatsogadzirira sei uchagadzirisa kuti unofarira zvakawanda sei shure kwebasa rako. Izvi zvinokosha nekuti zvinokwanisika kuva nehutano husina mufaro.
Mukutsvaga kuwana mimwe mhinduro, ndakadzidza zvakakwana vanopfuura 1,350 vakatsaura kubva kumatunhu 46. Zvakawanikwa zvakazova hwaro hwebhuku, Iwe Unogona Kurega Nokukurumidza Kupfuura Iwe Unofunga .
Tsvakurudzo yakaratidza zvakasiyana siyana zvakasiyana pakati pevanhu vanofara uye vasina kufara. Heano zvitatu zvezvikonzero zvikuru zvekusafara pakubhadhara:
1. Kusakwanisa Kuziva Chinangwa Chenyu Mari
Vaya vanofambira mberi vanofara vanonzwisisa kuti pfungwa yekuponesa ndeyokuvabatsira kuti vafarire zvinhu zvavanoda panguva yekurega basa. Pasinei nokuti iri iri kufamba kana kupa kune izvo zvinokonzera kuswedera pamwoyo yavo, vanofambira mberi vanofara vane chinangwa chemari yavo. Vakare kare vakasika zviratidzo zvemazuva avo emashure. Vanoziva kuti vanoda kuwona nyika. Kana kuti ine pfuma yemakomo. Kana tanga nheyo. Kana kuti bindu chete uye uverenge pavanenge vasina kutarisana nevanokudzwa. Chiratidzo ichi chinogona kuchinja mumakore kwechikonzero chipi nechipi chezvikonzero, asi kana vakarova basa rekurega basa, vanofara vashandi vese vanoziva kuti vanoronga sei kushandisa nguva nemari zvino zvavanogona.
2. Kuva neRatio Yakagadzikana Pasi pekutanga
Pfuma Yakanakisisa iri nyore kwazvo: Ndiyo mari yemutero mushure mekunge iwe une chokuita nehuwandu hwemari yaunoda . Chero ani zvake anogona kuverenga yavo Ratio Ratio. Ingotora mari yemari yaunofanirwa kuva nayo kana kuti iwe unayo pakubhadhara mari (Social Security + pensions) chero ipi zvayo inowanikwa mumvura inoshandiswa), kusanganisira iyo dendere rako rinofanira kubudisa, uye kuritanidza nezvaunotarisira kushandisa mwedzi woga woga kurarama kusununguka iwe unoda: Ita / Ida = Rich Ratio.
Somuenzaniso, Jennifer anoda kuenda kune imwe nzvimbo, saka anoda $ 8,000 pamwedzi. Ane peni penhenda kubva panguva yake achishanda nekambani yekambani ($ 1 000 / mwedzi), pamwe neSocial Security pazera remakore 62 re $ 1,800 / mwedzi. Akachengetedza $ 1 000 000 muna 401 (k).
- Jennifer's Have = $ 1,000 (pensions) + $ 1,800 (Social Security) + $ 4 100 (5 muzana ye 401 k) pamwedzi) = $ 6 900
- Jennifer's Need = $ 8,000
- Jennifer Rich Rich = $ 6,900 / $ 8,000 = 0.86
- Jennifer's Rich Ratio iri pasi pe1, saka hatigone kufunga kuti iye "akafuma," uye anowira muboka redu risina kufara retireeti.
Zvino tarisai Aroni. Anoda $ 4,000 pamwedzi kuti asunungure zvakanaka. Akatobhadhara imba yake, naizvozvo ari kurarama chikwereti pasina. Aroni anewo mudiki wepensheni ye $ 1,300 / mwedzi. Anogamuchira $ 1,800 kubva kune Social Security mwedzi mumwe nomumwe uye ane $ 400 000 mumakore ake 401 (k).
- Aroni Ane = $ 1,300 + $ 1,800 + $ 1,650 (5 muzana ye 401 (k) pamwedzi) = $ 4,750
- Zvinodiwa naAroni = $ 4,000
- Kukosha Kwakapiwa naAroni = $ 4 750 / $ 4,000 = 1.18
Pasinei nokuti Aroni ane mari shoma mubasa rake rekusunungurwa uye mari shoma yakakosha kupfuura Jennifer, anonyatsogadzirirwa kuti ave nemufaro mukuru kurega.
3. Zvichiri Kubhadhara Imba
Vanofambira mujeri vanobhadhara chikwereti chavo kana kuti vari mukati pemakore mashanu ekubhadhara kwavanenge vabhadhara.
Kusiyana naizvozvo, zvikamu zvizhinji zvevasina kufara vakaroora vane makore 10 kana kupfuura kusvikira imba yavo ichishandiswa.
Saka, kana uri kuronga kuenda kune imwe nzvimbo, tenga imba yaunogona kubhadhara zvachose kuitira kuti iwe usati wakasungirirwa nemamwe makore ekubhadhara mari. Yeuka, kutenga uye kutamira kune imwe imba itsva zvinowanzodikanwa kutama mari, zvitsva zvitsva, mabhanhire, makumbo, cable uye TV-hook-ups, nezvimwe. Mari dzinogona kuwedzera nokukurumidza.
Uye usati wasarudza kuti kashandisi yakagadziridzwa kana kuti yakagadzirirwa pasi ichaita kuti basa rekushandira riwedzere kunakidza, yeuka kuti purogiramu yekuvandudza kwemisha yese ine nzira isinganzwisisi yekuendesa kune rimwe basa. Usati wazviziva, iwe uri pakati pekugadzirisa kwakakosha uye chimwe chinhu chakakosha chechinhu chako chokubvisa chikafu chave chaenda. Dzivisa izvi kuburikidza nekuvandudza kwemisha huru (uye kugadziriswa) usati wasimuka.