Zvechokwadi, unogona kusimuka pa 55, kana wakaronga zvinhu izvi.
Nguva refu
Kana ukasimuka pa 55, uchifunga kuti iwe uchava nehuwandu hwemararamiro ehupenyu, iwe uchada zvinhu zvako kuti uwane mari kune imwe nguva yakareba kupfuura munhu anenge abhadhara gare gare.
Zvinoreva kuti unofanirwa kukudziridza kurongeka kwakarurama kwezvaunofunga kuti uchapedza gore negore. Ipapo iwe unokwanisa kuenzanisa izvozvo nemamwe magwero ekurega mari yako iwe unofunga kuti iwe uchakuwana iwe.
Social Security haizotanga kusvika makore makumi matanhatu nemaviri, pakutanga, uye kune zvikwereti uye zvigadziriswa pakuwana mari yekurasira mari mari isati yava nemakore makumi mashanu nemapfumbamwe nehafu. Zvinoreva kana iwe ukasimuka pamakumi mashanu nemashanu, iwe unoda kuva nemamwe magwaro iwe unogona kupinda mukati, kunyanya kwemakore mashomanana. Imwe nzira: unogona kufunga kushandisa 72 (t) kubhadhara kuti ubve paIRA pazera rako .
Uye kunyange zvazvo iwe unogona kutanga Social Security pa 62, kune zvikonzero zvakawanda zvaungafunga nezvehutano hwakasiyana hwehupfumi hwevanhu huri kutanga huri nani pane imwe nguva yekare.
Health Care Costs
Ramba uchifunga; Medicare chinyorwa hachizotanga kusvika kusvika makumi matanhatu nemashanu. Kana uri kuronga kubhadhara pa 55, iva nechokwadi chokuti uchava nechivimbo chekuchengetedzwa kwehutano inshuwalisi iyo ichakupa iwe kusvikira wava kukodzera kuMedare.
Nokuda kweAne Affordable Care Act, iwe unobvumirwa kuti uwane ruzivo pasinei nemamiriro ezvinhu akambovapo. Iwe haugoni kuenzaniswa nemamiriro ezvinhu ehutano aunayo, asi pasinei naizvozvo, kuparadzanisa pakati pemakore 55 ne65 kunogona kudhura, munzvimbo inosvika $ 400 kusvika ku $ 1 000 pamwedzi zvichienderana nemhando yeurongwa waunosarudza.
Kana hutano hwako hwehutano huripo kuburikidza nemushandirwi wako, ivo vanowanzowedzera 75% kana kupfuura kwemari. Vakawanda vekare-vakasiya-tarisiro vanotarisira kushamiswa kwekutenga kushandiswa kwavo. Chinhu chakanakisisa chaungaita ndechokugadzirisa, kana kufunga nezvebasa rekasa-rega rinopa hutano inshuwarisi.
Kuzadza Nguva Yako
Imwe nguva yezororo inonzwika zvakanaka, asi vamwe vanowana ruzivo haruna kuzadzika sezvavaifunga kuti raizove. Paunofunga nezvekurega basa rekutanga, fungisisa pamusoro pezvaunoda kuita nenguva yako nemari yako.
Semuenzaniso, kana iwe uine zvinhu zvinodhura zvinodhura, iwe unoda kuongorora kuti mari yakawedzerwa paunoona mari yakawanda yaunoda kwemakore mazhinji ekurega basa.
Kana iwe usati uri wekusununguka, unogona kufunga kutanga bhizinesi duku. Maererano neKauffman Index, mugore ra2014 pamusoro pe14 yekutangira kwose kwaiva nevashambadziri vane makore makumi mashanu nemakumi matanhatu nemashanu.
Iwe unogona kushandisawo ruzivo rwako rwekutanga kutanga bhizinesi rekubvunza kana kutora chido chekutanga pane basa rokuita mari.
Zvichida iwe haugoni kushanda, asi pane unoda kuzvipira, kana kubatsira kubatsira vazukuru. Chero zvingave zviripo, iwe unotofanira kuwana zvinhu zvaunotarisira mberi kana kuti kubvisa mari hazvizonzwi zvakakosha zvikuru.
Kana ukasarudza kusununguka pa 55 haisi kutarisa zvakakunakira iwe, funga kufambisa nguva yako yekurega basa kusvika kune 62. Kune vakawanda, izvi zvichava zvakakwanisa kuitika.