1. Tsanangura kuti chii chaunenge uchiraira pakutanga chinoreva kwauri maererano nemakore
Kune vamwe, kubvisa kare kare kune makore makumi mashanu; kune vamwe, ava nemakore makumi matanhatu. Kunyange kusiyana kwemakore mashanu kunogona kuita zvakakosha pamutengo wemari yaungada iwe, saka danho rokutanga mukugadzirira kubhadhara nguva yapamberi nderokutora nguva yakareba kana zuva.
Iwe zvino unoda kujekesa izvo zvingadikanwa kuti zviitike nezera iroro, zvakadai sekuwanda kwaunoda kuponesa, uye kuti chii chaunogona kutenga. Mutemo unorwadza wechigunwe chinonzi murairo we4% unoti unokwanisa kubvisa madhora 4 000 pagore pamadhora zana ezana emazana emari. Kana iwe uchifunga kuti uchapedza $ 40,000 pagore iwe unoda $ 1,000,000 yakachengetwa. Uyu mutemo usina kujeka hauna kukonzera mitero, kutengesa kwenyika uye mamwe mitsva yemari yakadai seSocial Security, asi iyo inotangira nzvimbo.
Sezvaunowedzera pamusoro pekufungidzira kwako pakupedzisira zvose zvinotevera zvinofanira kuverengerwa:
- Hupenyu hwako hwekutarisira uye kuti hunoita sei makore akawanda iwe uchada mari yekurega mari.
- Paunokwanisa uye unofanira kutanga kutora Social Security mazano.
- Iwe uchazadza sei mari yehutano inshuwarisi kusvikira uchisvika makore makumi matanhatu, iyo ndiyo apo iwe unokodzera Medicare.
- Maitiro ehupenyu hunoita sezviitiko zvitsva zvinogona kuwedzera mari, kana kuzviita zvingakuita mari.
Kana uri kufunga kuti unoda kubhadhara mukati memakore mashanu, iwe unoda kutsanya-tarisa kuronga kwako . Makore mashanu angaratidzika kunge akareba kwenguva refu, asi inofamba nekukurumidza uye haundi kumirira kusvika gore raunotora basa kuti utange kugadzirisa zvinhu.
2. Sarudza kana iwe uchifunga kuti iwe "uchashanda" mukurega basa
Vamwe vanotsanangura basa rekurega basa rekare sezuva ravasisina kuzoshanda mubasa ravo kana basa ravo, asi vanoda kuda kuwana mari yekutsvaga basa idzva, chido chekuita kana chido.
Kune vamwe, kurega basa kunoreva kuti vachasvika pane imwe nzvimbo apo havazomboshandisi mari zvakare.
Kana tsanangudzo yako yekurega basa rapfuura inoreva kuti haufaniri kutsvaga mari ipi neipi inoita kuti uwane hutungamiri iwe uchada kuchengetedza zvikuru kune avo vanofunga kuronga mari neimwe nzira kana imwe.
Kunyange kana uchironga kuramba uchishanda chikamu-nguva, ramba uchifunga mupfungwa kuti nhamba dzakawanda dzinoratidzira kuti vanhu vazhinji vakaronga kuramba vachiita mamwe mabasa emubhadharo havaiti izvo-zvichida nekuti havagoni kuwana basa, kana kuti ivo vanochinja pfungwa dzavo uye vasarudza kuti vangada kurarama zvishoma uye vane nguva yavo vakasununguka.
Kuuya nekufungidzirwa nokukurumidza kwekuti iwe une zvakakwana kuti uite basa rekukwanisa kushandiswa zvakakwana Kukwanisa Kurega, Kuchengeta Kwakadzika Kunopa A Hongu / Kwete Mhinduro semutungamiri.
Kuti uwane huwandu huwandu hwehuwandu hwaunoda kubhadhara, 4 Matanho Ekutora Kuti Zvakawanda Zvokutasvisa zvichakufamba sei kuburikidza nekuita.
3. Ita hurongwa hwekutsvaga hune hutano hwepamusoro hwekubudirira
Kana uchinge waverenga kuwanda kwemari uye mari yeramangwana iwe unenge uchida, iwe unoda kupedza nguva uchitsvakurudza nzira dzakasiyana-siyana dzaunogona kugadzirisa kuchengetedza uye mari yekuti iwe uwane mari yakajeka uye yakavimbika yekubvisa mari .
Iyi haisi nguva yekuita zvisarudzo zvenguva pfupi, kunze kwe-cuff. Funga nezvehuwandu hunoziva nezvehutano hwako, makore ekudzidziswa uye ruzivo rwakatora kuti uwane ruzivo urwu, uye muwandu wemari yakakubhadhara pamusoro pehupenyu hwako.
Mari yaunosarudza iye zvino inoda kupiwa mari yako yekusara, uye iwe haugoni kuita zvikanganiso, saka tora nguva yekuongorora tsvakurudzo, uye usanonoka kutsvaka rubatsiro rwakagadzirirwa ruzivo.
Uye yeuka, mari yakanakisisa yekusimwa mari inosarudzwa nokuti inhengo yehutano hwakarongedzerwa hwakanaka , husina kutengwa pececemeal.