Simba iroro rekutsvaga rinotungamirirwa zvikuru pamwe nehuwandu hwemagetsi eWGBT ekuwedzera kwekuwana simba: Vashandi vevadzidzi vanobatana nemabonde vanobhadhara madhora mazana manomwe nemazana manomwe kupfuura vezera ravo vakarurama, uye vanhurume vanoita zvepabonde vanowana $ 8,000 mamwe.
Uye hazvikuvadzi kuti inenge 80 muzana yevamwe varume vanoita zvepabonde vari kurera vana, kuchengetedza anenge madhora 233 000 pamwana kunyange vasati vasvika yekoroji.
Asi zvose izvo zvakawedzerwa mari yakawanda hazvidi kushandura kune mari yakakwirira zvikuru. Maererano nePrudential's 2012 Bhuku rezvemari yeHGBT Financial Experience , mhuri dzepabonde imwechete dzaive nehuwandu hwemadhora 6 000 chete mukuchengetedza kupfuura dzimba dzakarurama.
Izvi zvinoreva sangano re LGBT, iro ini ndiri chikamu, iri kushandisa mari yedu pane zvatinoda zvikuru. Uye isu tine chido chikuru chekuchengetedza uye mari yekukurumidzira: Kwenguva yakareba ndiyo iyo iyo LGBT vanhu vanogona kubudiswa mumatunhu makumi maviri nemasere ekutaura kwavo zvepabonde, uye ndeye 14 chete iyo nyika ine kuchengetedzwa kwevanhu vanoita sedender. Uye apo mamiriyoni ekurasira masangano uye misha iri kuwedzera kuwanda, hurumende dzakawanda dzisati dzisina kuchengetedza vanhu vanoita sangano munzvimbo dzakadai sedzimba dzokurasikirwa, misha, uye misha yevanamukoti.
Izvi zvinoreva kuti isu tinogona kuparadzana kubva kune vakomana vedu vega kana vakadzi kana kuti tamanikidzwa kudzokera kumakamuri kuitira kuti tisasarurwa.
"Zvinonyanya kukosha kudarika vanhu vakaroorana vakasiyana-siyana kuti vave nechokwadi chokuti vari pamapeji akafanana mune zvehupfumi uye vane hurongwa hwehupfumi huri munzvimbo," anodaro Brian Thompson, A Certified Financial Planner akatarisa munharaunda ye LGBT.
Hezvino izvo zvekuti vanhu vanoita zvepabonde vanofanirwa kunge vachiita sei kudzivirira ramangwana ravo remari.
Taura Mari
Ndiyo hurukuro yatinofanira kuva nayo tisati taroora, asi vanhu vakawanda, vakarurama kana kutier, havaiti. Isu tinowanzoputirwa mumanzwiro erudo kufunga nezvemari.
Kurumidza kuenda pane gare gare, taura nezvemari nemangwana rako kana iye zvino wawakaroorana naye. Kurukurai paunomiririra mune zvemari semunhu mumwechete kana semurume nemudzimai. Ziva kuti iwe une mari yakawanda sei, kwaunenge uripo, uye kuti iwe wakasimwa zvakakodzera. Taurira zvikwereti zvako, kusanganisira makadhi emakwereti, zvikwereti zvemotokari, zvigadzirwa zvemishonga, vadzidzi vechikwereti uye zvikwereti.
Ziva izvo zvinangwa zvako uye zvinowirirana ndezvipi. Kunyange kana zvinangwa zvako zvisingafani, ziva kuti unogona kutsigirana pakuzadzisa zvinangwa zvako. Sezvo CFP David Rae anobva kuLos Angeles anoti, "LGBT vakaroorana vanoda kuwana chaivo, gara pasi nemamwe makuru anokosha, uye uise zvakanaka nezvakaipa. Bvisa zvinhu zvako zvose uye chikwereti chako chose. Unogona kushamisika kuti unogona sei kubudirira kana ukashanda pamwechete. "
Iva neAimergency Savings Account
Nemhaka yehuwandu hwemabasa uye kusarudzwa kwevanhu vanoratidzwa neBGBT vanhu, zvakanyanya kukosha kuti tive nenhoroondo yekuchengetedzwa kwekukurumidza. Zano rinowanzochengetedzwa ndekuchengetedza mari yekugara kwemwedzi mitatu kusvika kumitanhatu.
Nokuti tinotarisana nezvengozi dzisingawanzoiti, tinofanira kuchengetedza mari yekugara kwemwedzi mitanhatu kusvika kumwedzi gumi nemaviri kana zvichikwanisika.
Kana iwe newawakaroorana naye muchigara mune imwe nyika umo maigona kuregererwa paunodzoka kubva pausiku hwako, iyo ndiyo nhoroondo yako yekuchengetedzwa kwekukurumidza iyo ichakubatsira kuti uwane kusvikira unoshandiswa zvakare zvakare. Kana mumwe kana iwe vaviri iwe uchida kutarisirwa kwenguva refu uye usingadi kuisa njodzi yekuenda kumusha unochengetwa wakwegura, ndiko kuchengetedzwa kuchaita kuti iwe ugone kupinda mune-kumusha kwepamusha kana kumusha unoshamwaridzana nemusha.
Vhura kero yekuchengetera pabhangi kana chikwereti chekambani pasina chekunyora, kubhadhara mari, debit kadi, kana zvimwe zviitiko zvinokosha. Usabatanidza iyi nhoroondo kune imwe sarudzo yekubuda kwemari yemagetsi ekufambisa (EFT). Iyi mari inofanira kuva yakaoma kusvika, kunyange zvisingaiti.
Zvakanyanya kuoma kubvisa mari iyi kwekupera kwevhiki kuenda----, nzira yaunenge uchida kuishandisa.
Kana uchinge wasvinudzwa, gadzira purogiramu yakananga kubva kumushandi wako munyaya ino. Kana iwe unowedzera kutarisa kupinda mune ino kukura kwekuda kwekuita mari, inokura nokukurumidza. Kunyange zvakadaro, chero chiyero chiri nani kupfuura pane.
Invest
Vhura purogiramu yako yekurega basa inobhadharwa nevanoshandira, yakadai sa 401 (k), pension, SEP kana Simple IRA, kana mumwe akawanikwa kwauri. Zvadaro, shandisa zvishoma zvishoma zvinotarisirwa kuti uwane huwandu hwemushandisi mutsara kana mufananidzi wemukana aripo kwauri. Kwete kuita saizvozvo kusiya mari patafura.
Mipiro yezvikwereti zvakadaro inowanzoshandiswa ne-pre-tax dollars. Izvozvo zvinoreva kuti mushandirwi wako anowanzoisa mari yaunotsanangura ino mubhuku iyi isati yaitwa IRS. Iwe uchabhadhara mitero pamari yaunodzinga kubva kubhuku iyi mushure mokunge musara uye mari yako yakaderera, asi iwe unenge uri mubhasikiti yemutero wepasi.
Kana iwe uine mari iripo yekuisa mari mushure mekunge iwe uchibva kunze kwekambani yako-inorambidzwa basa rekurasikirwa, ita mari muIvidual Retirement Account (IRA), yakadai sedare reIra kana Roth IRA . Kana iwe uchiri nemari inowanikwa yekutsvaga mari, ita mari mukodha yekwereta inotengesa. Kuisa mari munhoroondo idzi kunogonawo kuva yakashandura. Kana uchinge wazarura maakaunti ako, sarudza zvakananga mazviri kuburikidza nemushandi wako.
Chengetedza mari yakakwana yekutenga chikwata chenyika yemakero. Iko mari yekose yemari yemari yemari inoshandiswa kune imwe mari inosanganisira yose yeAmerica yemari. Kana iwe uine mari yakakwana kana iwe unofarira, ita mari imwe neimwe muhombe-guru index index, medium-cap index index, uye duku-cap index fund. Nhepfenyuro yemari inowanzova nechepasi yekushandisa mari uye haitengi mutero kana mari yekubhadhara.
Life Insurance
Tinowanzofunga chete nezve inshuwarisi yehupenyu patinotanga mhuri. Saka vazhinji vanoita zvepabonde vasina kuronga kuva nevana havazvifungi zvakanyanya. Asi inshurensi yehupenyu yanhasi inopfuura kungobatsirana neshamwari uye nhengo dzemhuri patinopfuura.
Zvidzivirire Kune Vanokwereta
Zvikwereti hazvinyangari kana iwe wapfuura. Zvichienderana nerudzi rwechikwereti chaunacho uye nezvemari yako, vadiwa vako vanogona kubhadhara chikwereti chako. Funga kuwana inshuwarisi yehupenyu kubhadhara chikwereti chako mushure mokunge wapfuura.
Siya nhaka
Kana pane imwe kana vanhu vakawanda iwe unoda kubva kune imwe nhaka, inshuwarisi yehupenyu inogona kubatsira. Iwe unogona kusiya nhaka kune nhengo dzemhuri, shamwari, vekare vaibatanidzwa, uye vana vanokurera.
Ipa Charity
Iwe unogona kusiya zvipo kune zvipo kuti uone kuti masangano ako aunoda achienderera mberi.
Medical Care
Utano hwezvehutano hunogona kutora zvinodarika makumi matatu kubva muzana zvekuregererwa kwemunhu, uye vanhu vasina kuponesa zvakakodzera vanoda rubatsiro. Inishuwarenzi yehupenyu inogona kusanganisira zvigaro, zvakadai sokufambisa kwekufambisa kubhadhara mari, iyo inobvumira kubhadhara mutero kusingabhadharwi kuchipatara mune zvimwe "zvinotyisa" mamiriro ezvinhu.
Nguva Yenguva Yakarera Inishuwarenzi
Nepo tiri panheyo ye inshuwarisi, zvakakosha kuti LGBT vanhu vafunge kutenga inshurensi yenguva refu (LTCI). LTCI imwe yezvikamu zvakaoma zvikuru zvekurapa nokuti kazhinji inoda kubatsira kwepanyama kwevamwe. LTCI inogona kubva kune rubatsiro kumba kumba nezvinhu zvakakosha, zvakadai sekubika, kudya, uye kuchenesa, kubatsira kurarama, izvo zvinotarisa kune hupenyu hwomunhu zuva nezuva.
Nemhaka yekuti vakawanda vanhu vanoita zvepabonde nemurume mumwechete vakaroorana havana vana, zvakakosha kuti tinzwisise zvatinotarisira pane zvikamu zvakasiyana zvehupenyu hwedu uye hutano. Upenyu, zvechokwadi, hune dzimwe pfungwa. Ziva zvaunoda kana uri kurarama makore ako akasara pamashoko ako.
Nemari yemari isina kukwana kana inshuwarisi, zvisarudzo zvekuti iwe unotarisirwa sei zvingasara kune hurumende kana muchengeti waakagoverwa kwauri. Iwe unoda kurarama kunze kwemakore ako akasara maererano nemashoko ako, kwete ayo evanhu vatatu.
Nakidzwa
Kukurira dendere rako mazai chirongwa chenguva refu. Hapana anotarisira kuti iwe uchengetedze mwedzi gumi yekurarama mari, kubhadhara mari yose yekubvisa mari, kubhadhara zvikwereti zvako uye kuva noupenyu hwose mugore rimwechete. Uyu marathon, kwete sprint. Gadzira chirongwa chemari kuti uwane zvinangwa zvako zvemari munguva. Iwe unogona kutarisa pane chimwe chinangwa pane imwe nguva kana kupatsanura uye kukunda. Izvi ndizvo zvisarudzo iwe, kana iwe neshamwari yako munofanira kuita pamwe chete.
Nezvose izvi, usakanganwa kufara. Kuchengetedza uye kuisa mari inonakidza, asi inosanganisira nzira yekuseka mari. "Ita mari yekunakidza pamwedzi woga woga, saka iwe unogona kutora zororo iroro," anodaro Rae. "Iwe haungagoni kuzvidya nenzara kune muviri unoshamisa, uye iwe haugone kushaya nzara yako yekushandisa kuva mupfumi uye uchifara."
Kune zvakawanda zvishandiso zvatinokwanisa kuzvizvidzivirira isu, vatakaroorana vedu, uye mhuri dzedu sevanhu vamambo. Inogona kutonzwa sokuti kune matanho akawanda kwazvo atinokwanisa. Zviri mune zvose zvatinofarira kuti tive nemapurani ehurongwa hwemari kuti tive nechinangwa chedu chemari nezvido zvedu. Izvo zvakasimba isu tiri semunhu mumwe nemumwe uye takaroorana, kusimba kwatakaita semunharaunda. Ne simba iro rinouya rugare rwepfungwa, uye iwe haugone kuisa kukosha pane izvozvo.