Usave Uchitya Kuverenga. 5 Nhanyo Dzakatangira Kutanga Kuponesa Nhasi.
Kana iwe uine hanya nezvekuve nemari yakachengeteka musoro mumutambo, iwe hausi woga. Pane dzimwe nhamba dzinotyisa dzisingatauriri kukutyisidzira iwe, asi pane kukukurudzira kuti utange kuponesa panguva yakanakisisa yakakwanisika: Nhasi.
Tora somuenzaniso zvinotevera:
75% yekusununguka kwevakuru veAmerica vane mari inopfuura $ 30,000 mukuchengetedza.
1 mu6 vatanhatu vekuAmerica vanorarama vari pasi pe 22,500.Vanhu vanhu vamunoziva.
Nhasi pane vanhu vashanu vanoshanda pamusana pekusiya basa. Asi pakazosvika 2050, pachava nevashoma vanopfuura vatatu vanoshanda pamusana pekusiya zvekare. Izvi zvinoreva vanhu vashoma vashoma vachitsigira mararamiro edu ehurumende.
America 55 uye yakakura inofanirwa ne20% yekushungurudzwa kwose, kazhinji nekuda kwezvokurapa uye yemari yemari.
Chimwe chetatu chevaAmerica vose vane zero zvakasimba kuti vachave vakasununguka mukurega basa.
Vanhu vazhinji vanozvibvunza pachavo kuti vakapinda sei mumatambudziko aya. Vanoshamisika kuti vangadai vakaita sei zvakasiyana. Ndezvipi zvavakanga vangaita kuti vazviise zviri nani mune zvemari kuitira kuti vanakidzwe chaizvo nemakore avo ekurega basa mushure memakore avo ose ekushanda zvakaoma?
Pano pane mhinduro imwe chete yemhinduro kumubvunzo uyu: tanga kuchengeta mangwanani. Iwe unogona kutora chiito pakarepo nekuisa hurongwa mukuita kuti utange kuponesa ikozvino. Unotenda kana kwete, kunyange kutanga chirongwa chekuchengetedza mumakore ako makumi maviri zvakakodzera kutanga. Hungu, iwe uri kutora mari yako chaiyo yekutanga uye unoda kufarira kuishandisa pahupamhizha huno hutsva huchiwana kuzvimiririra mune zvemari kunogona kutenga iwe.
Asi iwe uchange uine mufaro wakawanda mumugwagwa kana iwe ukaisa matanho anogadzirisa munzvimbo inotangira nokukurumidza sezvinobvira kuitira kuti usafanira kunetseka gare gare.
Iwe unogona kunge uchifunga kuti zviri nyore nyore zvakataurwa pane zvaitwa kuti utange hurongwa hwekuchengeta. Zvinogona kunge zvichityisa pakutanga. Nokuda kwechikonzero ichi, ndinoda kuputsa pasi mumatanho.
Kana iwe ukakwanisa kutevera matanho mashanu aya uye ukaapedzisa kune zvakanakisisa zvekugona kwako, ipapo kana makore ako ekurega basa achisvika, uchakwanisa kunakidzwa nekuzvivaraidza, shamwari, zororo, uye zvinhu zvose zvaunofanira kufara kana izvo zviya zviripo pano .
Dzvitsai Kuponesa Kwamuno Nhasi Nezviitiko Izvi
1. Ita yako yekukurumidza mari yekuchengetedza mari.
Mari yako yekukurumidzira inofanira kushandiswa pane chimwe chinhu uye chinhu chimwe bedzi-zvinoitika. Iyi ndiyo mari yaunoda pakarepo pane chimwe chiitiko chimwe chezvinhu zvehupfumi zvekuchinja sekuita sekurasikirwa kwebasa kana dambudziko rinodhaka remari. Ndinokurudzira kuti vanhu vane mari yakakwana mumari yavo yekukurumidza yakawanda mari yekubhadhara mwedzi mitanhatu yemari yako yakasimbiswa. Mari inowanikwa mune imwe nguva yekuchengetedza mari inofanira kuiswa munzvimbo iyo iwe unogona kuibudisa pakarepo, yakadai semari yemari yemari.
2. Sarudza mari yemari mikuru mukati memwedzi 12 kusvika ku18.
Usapukunyuka mari yako yekukurumidzira kune imwe nguva yemari. Kana iwe uchiziva kuti une mari yakawanda inouya, iyi mari inofanira kuiswa kunze kwekuwedzera kune mari yakashata mari.
3. Ita mupiro wepamusoro kumushandi wako wekodzero 401 (k).
Kunyange zvazvo kwete makambani ose anopa sangano rinokodzera 401 (k) , avo vanoita kazhinji vanowanidza makumi mashanu kubva muzana yekutanga 6 muzana yemari yako yakachengetedzwa.
Izvi zvinowanzobhadhara mari kwauri. Iva nechokwadi chekutarisa nevashandirwi vako kuti vaone kana vachipa ruzivo rwakakura ichi uye vanozvishandisa kana vachiita.
4. Tanga mari yeRoth IRA.
Mipiro kune Roth IRA inogadzirwa nematare emitero mushure mekunge inogona kubviswa chero nguva ipi zvayo isina mhosva. Kana ukangosvika 59 nehafu, zvose zvinorega zvisingabhadhara mutero, uye hapana chikonzero chekugovera makore.
5. Mad kunze kwema 401 (k). Mushure mekunge mabhadhara Roth IRA yako, edza kuwedzera ma 401 (k) ako.
Muna 2016, mupiro wepamusoro ndewe $ 18,000 (pamwe newedzerwa kuwedzerwa mari ye $ 6,000 kana iwe uri nemakore makumi mashanu kana kupfuura).
Dzivisa kuva imwe yenhamba dzinotyisa uye tanga kuponesa nhasi. Iwe uchange uchifara zvikuru mangwana kana iwe uchidaro.
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete.
Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo