Kurega basa ndiro chisarudzo chikuru. Pamwe chete newanano, kurambana, kuva nevana, nekufamba, ihwo humwe hukuru hwekuchinja hupenyu huchasangana nawo. Kutsvakurudza kunoratidza kuti vanofara zvikuru vanobva vatanga kuronga makore anenge mashanu vasati vasarudza basa rekurega basa . Zvinosuruvarisa, vanhu vazhinji vanovamirira kusvika kuminiti yekupedzisira, yakadai apo apo kambani yavo inopa kutanga-kubhadhara purogiramu. Zvakanakisisa kutanga kutanga kuronga kwenguva refu usati wavawo!
Tanga tsananguro yako nekutsvaga mune izvo zvinhu zvinotamba muchisarudzo chekurega basa pamakore akasiyana-siyana. Vose vanoenda kumusha vanofanirwa kushanda kuburikidza nekuverenga kuti vaone kuti mari yavo inogona kuramba yakareba kwenguva yakareba sei - asi mumwe munhu anoda kudzokera kumakore makumi mashanu ane zvakasiyana-siyana zvepfungwa dzinofungidzirwa dzavanoda kushandisa kana dzienzaniswa nomumwe munhu anoda kudzokera kumusha makumi manomwe.
Mamwe mashizha mashomanana anotevera anokufambisa kuburikidza nekufunga kwekuti mafungiro anochinja nezera, nekutarisa zvinotora kuti upiwe basa ne40 , 50, 55, 62, 65 kana 70.
01 Kusimuka pa50
Kana iwe uchida kurarama zvishoma uye usina mari yakawanda, funga mararamiro asina kukwana emararamiro ehupfumi, akadai kugara muRV mumusasa wevasasa, kubvisa mubhadharo yakaderera kune dzimwe nyika , kana kugara mudiki gorozi iri munzvimbo umo mune imomo motokari yako isiri yakakodzera. Kana mararamiro aya ainakidza kwauri, kubvisa basa pakutanga kunogona kukushandira - kunyange iwe usina mari yakakura yekuchengetedza mari.
Kana iwe wakagara uine munhu anofarira basa, "Chimiro" kana kuti anonyanya kuvepo, uye iwe une mari yekuchengetedza basa rekurega basa, pane zvimwe zvisiri zvemari zvaunofunga kuti iwe unofunge kaviri usati warega. Unogona kuwana kubhadhara kunakidzwa kwemwedzi mishomanana, asi pasina purojekiti yekushanda, nguva yakawanda yekuzorora ingakwegura iwe. Vashandi vebhizimisi uye vashandi vekushanda ndivo avo vanonyanya kunetseka mukurasikirwa.
Chero chero rudzi rwaungave iwe, kuti uve nehubudirira hwekurega basa pakutanga iwe unofanira kufungisisa kuti uri kubhadhara sei mari yekuchengetedza utano - uye iwe unofanirwa kuverenga nokuda kwekuti mari yako ingada kuvhara makore makumi mana (kana kupfuura) kurarama mari.
Cherechedza: Kana iwe uine mari yakakwana asi zhinji yacho iri mukati memakambani ekurega mari imwe nzira yekuwana mari yekuchengetedza mari nguva pfupi pasina kubhadhara chirango ndechekugadzira zvinonzi 72t zvikwereti kubva kuAlex account yako . Iyi sarudzo inokubvumira kutora mari kunze kwezera remakore 59 1/2 usingabhadharisi kutora chirango chekutanga.
02 Kubhadhara pa55
Chimwe chinhu chaunoda kuronga: iwe uchava nemakore gumi Mirivha isati yatanga, saka kana iwe ukavaka bhajeti yako yekubvisa mari inofanirwa kubhadhara mari yekutenga inshuwalhu yako yehutano .
Uye, kufanana nevaya vose vari kufunga nezvekurega basa, iwe unoda zvakare kusarudza zvauri kuronga kuita nenguva yako. Verenga nyaya kubva kune vamwe vakasiya basa uye ona kuti ndeapi maunoona navo. Apo iwe unoziva kuti chii chaunotarisira iwe uchave wakanyanya kuve nekubudirira kwekushandura pakuenda kumusha.
03 Kubvisa pa 62
Kunyange nekunonoka kweSocial Security kutanga zuva, kana uchigadzirira mberi, unofanira kukwanisa kuchengetedza zvakakwana kuti usiye pamba pa 62 uye uchengetedze hupenyu hwakanaka. Kuronga mberi zvinoreva kuti wakashanda nzira yako kuburikidza nezvinhu zviri mukutarisa kwekubvisa mari .
Funga iwe une chirongwa chakanaka? Kana iwe wakagadzirisa maakaunti, ziva yako Social Security inosarudza zvingasarudzwa, zive nhoroondo dzipi dzamuchazobva uye uchitarisa mitero yauchabhadhara pamubhedha , iwe uri kuita zvinhu zvakanaka.
04 Kubvisa pa65
Makumi makumi matanhatu nemashanu ndeyechokwadi chekurega basa kune vakawanda. Medicare inobatsira inotanga pamakore makumi matanhatu nemashanu, unogona kutanga kuunganidza Social Security chero nguva, uye hapana mimwe mitero yemutero wekubvisa mari inodzinga.
Iwe uchange uine zvisarudzo zvikuru zvekuita pane makumi matanhatu nemashanu asi: ndeupi rudzi rwehutano hwezvehutano hwezvehutano hunoda iwe, mararamiro aungaita nguva refu yekuchengetedza mari , uye kuti ungatevedzera sei kuguma kwekufunga kugadzirisa. Iwe uchafanirwawo kunge uine "kukurumidza" chirongwa - chinoreva chirongwa chekuti iwe uri kuenda sei kubvisa maakaunti, chii chinorayira, zvakadini, nezvimwe.
Uyewo, chenjerera, kune avo vanouya kuzotora basa rekusununguka kwemakore ekuzorora kuitira kuti Social Security yako isabatsiri HAI 65 - inenge makore 66 kana gare gare. Nokuti vazhinji venyu izvi zvinoreva kunyange kana mukasimuka pa 65 , iwe unenge wakanyatsomirira kurindira gore kana kuti usati watanga Social Social benefits.
05 Kusimuka pa70
Kana iwe uchida kupedza basa pa 70 nhau dzakanaka iwe uchawana huwandu hwehupfumi hwehupfumi hwekuchengetedza nekumirira kutanga mazairo pazera remakore makumi manomwe. Cherechedza: Hapana kubatsirwa kwekumirira kwema70.
Pane mamwe mashoko akanaka; zvimwe zvigadzirwa zvekurasikirwa zvinowedzera kukwezva nezera; annuities uye revers mortgages zvinhu zviviri zvinogadzirwa izvo, kufanana newaini, inovandudza nezera. Iwe uchazofanirawo kuronga pakutora IRA kuregererwa sezvinodiwa zvishoma zvakapararira zvinotanga pazera remakore 70 1/2. Kana iwe uchitadza izvi pane chirango chakakura, saka iva nechokwadi chokuti unovatanga panguva.
Kana uchinge uine mari muhurongwa, funga kubvunzurudza mazita ako ose ekuwana mari uye kuwana zvinyorwa zvako zvekugadzirisa zvigaro maererano nekuita.