Mamiriro ako ega ega ndiye chinhu chikuru
Vamwe vanhu vachakupa mutemo wechigunzva pakuponesa kwekurega basa, se "iwe unoda kuchengetedza 10% yemari yako". Izvi zvinonzi mitemo 10% yekuchengetedza . Kutevedzera mutemo wakadaro kune nani pane kusaponesa zvachose, asi mutemo mumwechete hauna kushandiswa kune wese.
Kana iwe uchiwedzera, iwe unoda kuwedzera kuchengetedza kuti uchengetedze mararamiro ako ehupenyu mukurasira. Vanowana mari yakakwirira vangada kuchengetedza 20% kana 30% yezvavanoita.
Ndinoziva kuti iwe unoda kupindura nyore nyore nezvekuwanda kwekuchengetedza kubhadhara uye ini ndinoda kuti mhinduro yacho ive nyore se "kuchengetedza $ 436 pamwedzi". Iyo inongoshanda chete nenzira iyo. Kufanana nekuvaka imba, iwe unofanirwa kuronga zvirongwa uye uone kuti chii chaunoda. Ipapo iwe unogona kusarudza kuti ichadhura zvakadini uye kuti ichazotora nguva yakareba sei.
Sezvo nezvakawanda, zvinhu zvakawanda zvaunoda kuponesa zvinoenderana nemamiriro ako ega. Shandisa zvinhu zvinotevera kuti uverenge mhinduro yako yemunhu:
- Kushuva kupedza mukutora basa
- Zera nhasi
- Yakarongwa basa rekurega basa
- Wakave wakachengetedza sei
Ngatitarisei pane imwe neimwe yezvinhu izvi kuti tione kuti inobata sei mari yako yaunoda.
Anoda Kubhadhara Mari Inoshandiswa
Kukura kwemararamiro aunoda kuva nawo muhutano, iwe unoda kuwedzera. Kana iwe uchingotanga uchiri muduku uye ukagara pamba, nekugara uchichengetedza mwedzi mumwe nomumwe unogona kukwanisa kuwana mararamiro akanaka ekurega basa.
Zvakadini zvakakwana? Inogumira!
Kuti uwane pfungwa yakaoma yekuti iwe unoda zvakadini, iwe unogona kufungidzira iwe uchada mari inenge $ 100,000 kune $ 5,000 ose pagore rekusunungurwa mari inoda kubva pakachengetwa. Izvo zvinoreva kana iwe uchida $ 50,000 kubva muhomwe (pamwe nezvose zvaunogona kuwana kubva kune Social Security uye / kana pensions) iwe uchada mari inenge $ 1,000,000 yakachengetwa.
Vamwe vanhu vanoona mamiriyoni emadhora emadhora ekutora basa uye vanodedera nemafungiro ekuedza kuva mamioneyeri uye zvino havaponese zvachose. Izvi hazvina kunaka. Usarega izvi zvichiitika kwauri. Shingairira kuita zvigadziriswe zvigadziriswa zvinokubatsira kuchengetedza zvakawanda . Nyaya imwe neimwe inoverenga.
Uye yeuka, vanhu vakawanda vanowana nzira dzakanakisisa dzokurarama zviduku munguva yekurega basa . Kana iwe uine Social Security uye mubhadharo, iwe unogona kunge usingadi chinhu chaunenge mamiriyoni.
Current Age
Nguva yakawanda yaunayo usati wasvika, iwe unenge usingadi kuchengetedza mwedzi woga woga kusvika kune zvinangwa zvako. Kana uine nguva shoma, iwe uchada kuchengetedza zvakawanda.
Uyezve, kana uine nguva yakawanda, iwe unogona kupa chikamu chikuru chezvikwereti zvako kune dzimwe nzira dzakasarudzwa dzengozi dzinogona (asi kwete chechokwadi) dzekuwana mari yakakwirira. Kana uchinge uine nguva shoma, yakadai sekuva mumakore mashanu ekurega basa, unoda zvakawanda zvakapiwa kune dzimwe nzvimbo dzakachengeteka kuitira kuti kudengenyeka kukuru mumusika hakurevi zvirongwa zvekurega basa.
Kana iwe uchifunga kuti unoda kurega mapurisa , unofanira kutarisisa migumisiro yekuve nemakore akawanda mukurega basa. Iwe unodawo kuverenga kunze kwehomwe yehutano mari yekuchengetedza iwe uchasangana kusvikira iwe uchisvika makore makumi matanhatu (iyo iyo apo Medicare inotanga).
Kunyange mushure mokunge Medicare inotanga, iwe uchave uine inshurensi yepuriguru uye iwe unobhadharwa. Vanhu vakawanda vanoshandiswa kuva nehutano hwavo hwehutano hwakabhadharwa nevanoshandira avo vanofara kushamisika pamutengo wavanenge vachida kuvaka mubhajheji yavo mushure mokunge vasiya.
Kana uri kuwana kutanga kwekupedzisira pakuponesa kwekurega basa, unogona kudiwa kuti uite humwe hukuru hunochinja. Funga nokukurumidza kuderedza mararamiro ako (imba duku uye motokari, zvishoma kufamba uye kutengesa) saka unogona kuchengetedza zvakawanda. Kana iwe unogona kuronga kushanda kwenguva refu.
Yakarongwa Retirement Age
Apo pfungwa yekurega basa yakatanga, vanhu havana kurarama chero bedzi sezvavanoita nhasi. Nekuvandudzwa kwehutano hwakanaka, kana iwe ukasimuka pa 62 iwe ungangodaro uri kushandisa makore 25-35 mukurega basa. Izvozvo zvinoda chikafu chakakwirira chevha. Kana iwe usati watanga kuvaka dendere rako egg rinotora kushanda kwenguva refu.
Vanhu vakawanda vachave vari nani pakushanda kwenguva yakareba, kunyanya kusvika pazera remakore makumi manomwe. Nokushanda kusvika 70 unogona kunonoka kutanga kweHove Security Security uye kuwana mari yakawanda yemari yakachengetedzwa kubva kune Social Security pazera remakore makumi manomwe.
Pane zvakawanda zvinopinda muchisarudzo chekuti ndezvipi paunofanira kusiya basa . Kana uine imwe nguva yepfungwa mupfungwa, tanga kuronga basa rako rekurega basa nokukurumidza. Tsvakurudzo yakaratidza avo vanotanga kuronga kwemakore mashanu kubva pakubata basa vanofara zvikuru uye vanochinja kushandura vachienda kumusha.
Iripo Kuponesa
Kana iwe uine nhaka yemari kana uine huwandu hwemari yakachengetedzwa mu 401 yako (k) kana IRA, unogona kuva nemusoro wakanaka kutanga kuchengetedza zvekurega basa.
Kana iwe une imba kana bhizinesi, chenjerera nezvekuwanda kwezvinhu izvo zvaunofunga iwe kuverenga sekuwanikwa kwekurega basa. Somuenzaniso, kana uchida kurambidza imba yako funga nezvezvinoitika. Kana usina chikwereti uye wakatengesa imba ye $ 500,000 iwe unenge uchiri kuda nzvimbo yekugara. Kana iwe wakatenga pirati yekurasira kumba kumba kwe $ 350,000, zvekukosha kwako kwekugara kwemusha iwe unogona kufunga $ 150 000 kubva sekusarura mari-asi kwete yose. Gare gare muupenyu, iwe unogonawo kushandisa reverse mortgage kusunungura mamwe emari yakasara.
Kune avo vane mari yakagadzirirwa mamwe maitiro akaoma kuti vawane pfungwa yekuti iwe uri pedyo sei nekusangana nezvinangwa zvako zvekurega basa.
Kana iwe uri kutanga kubva pakutanga, unoda kuchengetedza zvakanyanya sezvinobvira, kana kufunga nezvenzira dzisiri dzenzira yekuchengetedza mari yakadai sokubhadhara mukamuri mumba mako, kurarama mararamiro eRV , kana kutamira kune dzimwe nyika .