Mitemo YeChimbwa Inogona Kuve Yapera - Iko Pane Zvishomanana Zvisingashandisi
Kana iri panyaya yemari, zvinhu zvinoshandiswa panhanho yekono uye izvo zvechokwadi ndezvechokwadi nezvekusarudzwa kwemabasa. Zvisarudzo zvakawanda zvekurega basa zvinoramba zvichiitwa zvichienderana nouchenjeri hunowanikwa. Dzimwe nguva, nehanho, izvo zvinokonzera chisarudzo chakanaka asi kazhinji chigumisiro chinosiya munhu wacho nemigumisiro yakanaka - kwete huru. Pasi panomwe nhepfenyuro dzekusununguka dzichiri kuwanda mune zvekugadzirisa nzvimbo.
1. Tora Social Security Early - Zvingave Zvisipo
Vanhu vakawanda kwazvo vachiri kufunga kuti vanofanirwa kutora Social Security pamakore ekutanga .
Ichi chisarudzo chakanaka chechikamu chiduku chevanhu. Kunyanya kune mumwe munhu akaroora uye aiva mukuru wemutoro, kutora Social Security kutanga kungava kukuvadza ramangwana rako rekuchengetedza mari. Panzvimbo ye "kutora Social Security pakutanga, tora iyo iyo ine mari zvine musoro. Izvozvo zvinoreva kugadzira hurongwa hwehuwandu hwemari, kazhinji mukukurukurirana neyanyanzvi. Kuongorora uku kunofanirwa kutarisira hupenyu hwehupenyu, hwekare uye huripo hwemamiriro ekuroorana, murume nemudzimai uye vanopukunyuka kubatsirwa, kutengesa kwezvinhu, uye zvido zvehupenyu hwemazuva ose.
2. Medicare Inofanira Kuvhara Zvose Zvandinoda Kurapa
Vanhu vazhinji vanofunga kuti kana vachinge vava nemakore makumi matanhatu nevashanu havazofaniri kunetseka pamusoro pemari yekurapa nokuti Medicare ichavhara iyo mari . Kunyange zvazvo kurapa kwaMedare kunotanga pa 65, kunongotora hafu yehutano hwako hwose hwehutano hwakabatana. Panzvimbo pe "Medicare ichaifukidza," kurarama mupfungwa ye Medicare iri chikamu chehutano hwako hwehutano hwehutano.
Iwe unogona kunge unoda mushonga we Medicare Supplement kana Medigap kuti ubatsire kuvhara matanho ekuparidzirwa.
3. Usarega Kubva IRAs uye Retirement Accounts Kusvikira Makore 70 ½
Kune vamwe vanhu izvi zvinonzwisisika, asi kune vamwe, zvinopusa zvakashata. Paunotarisa pamari yako yekurega mari yose, iwe unofunga nezvezvinhu zvako zvose uye zvitubu zvemari sezvikamu zviduku.
Zvino, sekuisa pamwe puzzles, iwe unovaisa pamwechete kuti uite mufananidzo. Paunotarisa nenzira iyi, pane dzimwe nguva unowana mufananidzo wakanaka (semuhupenyu huzhinji huripo) nekubvisa kubva kumabhadharo epamberi kare - kwete gare gare. Zvakare, nzira yekugadzirisa panguva yakanakisisa yekuregeresa mari ndeyekuita chirongwa chokubvisa mari chinotarisa zvose zvinowanikwa mari.
4. Kuraramira Kuda Nezvaunofanirwa
Nhamba dzechido hazvivimbisi uye makambani anokwanisa kudhura zvikamu. Mari yako yezvemari iripo iyo inofanira kushandiswa kugadzira mararamiro akanaka kune iwe. Paunomanikidza-kuedza hurongwa hwako kurwisana nekudzoka kwakasiyana-siyana, kuwedzera kwezvinhu uye kutengesa zvinhu, iwe unowanzoona kuti zvakanyatsonaka kupedza mukuru pane dzimwe nguva. Zvingava zvakanaka kurarama chete kubva kune chibereko uye zvikamu asi izvo zvingasave zvichibvira zvichienderana nezviyero zvako. Icho chinangwa chikuru asi usati waita chirongwa chinotenderera pfungwa yacho.
5. Chengetedza Chikwereti Chese uye Usaita Mari Nezvose
Kazhinji kambani dzinoshandisa chikwereti sechikamu chesangano rakasimba rezvemari. Mari yezvemari inobudirira mhuri inogona kunge iri nani pakutsvaga nzira yakadaro panzvimbo yekuisa pfungwa pakuderedzwa kwematokari. Sezvo nhumbi dzako dzichikura, chikwereti chakanaka chaunotakura chinogona kukura zvakare.
Kune vamwe vanhu vane chikwereti chinonzwisisika asi kana uine dambudziko rine chikwereti munguva yakapfuura, kana iwe iye zvino une chikwereti chakakura, usapinda mubhadharo nemari yakakura chikwereti. Kana iwe usina kukodzera zvakakosha, kubata chikwereti chimwe kunogona kuva chinonzwisisika.
6. Tora Lump Sum
Makambani mazhinji anopa penheji anopa mubairo wekubhadhara mari yekusarudza. Vanhu vazhinji vanofunga kuti vari nani pane kutarisira mari uye kuti vanogona kuwana mukana wakakwana wekudzoka nokuisa mari iyo. Purogiramu yepensheni inoshandiswa zvepamutemo, uye kana inotarirwa maererano nemigumisiro inogoneka uye tararamiro yehupenyu, chikwama chemari chisarudzo chingasava chisarudzo chakanakisisa. Mari yako yekusununguka haisi iyo iwe unodzidza kuisa mari. Kana iwe ukatora homwe yemari, ipe iyo kumudzidzisi wezvemari ane rekodi yepamusoro yekudzoka kwakaratidza kana usatora chikamu chemari.
7. Ronga Sezvo Kana Iwe Usingazorarami Makore Akareba
Hupenyu hunotarisirwa hunochinja hutano hwakawanda hwekusarura. Vanhu vakawanda kwazvo vanoita chisarudzo "chero bedzi" kana vachifambisa mangwanani, kana, chokwadi, nhamba dzinotitaurira kuti zvinowanzoitika ndezvokuti vachagara kwenguva yakareba. Zvipfeko zvezvemari zvinofanira kuitwa, zvishoma, sekunge iwe uri kurarama makore mashomanana apfuura mavhareji ekutarisira hupenyu . Ramangwana rako iwe uchakutendai kuburikidza nokutarisa nayo nenzira iyi. Ita zvirongwa sokunge iwe unoda kupa munhu ane makore ane makore makumi mana nemasere nokuti iwe mukana, iwe uchararama kwenguva yakareba kupfuura iwe unofunga.