8 Nzira dzakanaka dzekubhadhara mitero yako yeMutero

by Jean Chatzky

Saka iwe pachako unowana mari yakanaka yekubhadhara mitero (kana iwe une imwe munzira ), uye iwe wakasarudza kuzviisa. Zvikuru izvo! Uye iri mukana wakanaka: Gore rapera, mutengo wekubhadhara mutero waiva $ 2 900, iyo inogona kufamba munzira yakareba mumusika kana kune zvimwe zvikamu zveurongwa hwemari yako. Hewa huse huse hwepamusoro-sarudzo dzekufunga.

01 Kubhadhara Chikwereti Chakwereti-Chikwereti Chekwereti Chekwereti

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Kana iwe uine chikwereti chakakwirira chekwereti chekwereti chikwereti, ichi ndicho chekutanga "kushandiswa kwako," anodaro Cynthia Meyer, anoronga mari yeFinese Finesse. Ndizvo nokuti kudzoka pamari yako kwakaenzana nemari yekutora - inorimbidzwa uye haina ngozi. Kana chikwereti chechikwereti pane kadhi rako rechikwereti chiri 24 muzana, somuenzaniso, ipapo dhora rose iwe unoisa kune chikwereti ichocho chiri kunyanya kuona kudzoka kwemazana makumi maviri - zvakanyanya kupfuura iwe ungangopinda mumusika!

Zvakadini nezvimwe zvikwereti, sekuita kubhadharwa kune vamwe vadzidzi vako, zvikwereti zvako, kana mari yako yokubhadhara? Pre-retirees vangada kuwana mari yekubhadhara mari vasati vasara, asi nokuti mari yebhadha yako ichava shoma (kufarira mazana kune federal mudzidzi wechikwereti kune 6-7 kubva muzana, zvikwereti zvinokwana 3-4 muzana, uye zvose zviri mutero -deductible) iwe unoda kuongorora kudzoka kune mamwe maitiro.

02 Kuzvipira Kuzoshandisa Kwemangwana nekukurumidza

"Hausi kunyanyisa, asi mubvunzo unotevera ungadai uri: Une bhadha yakanaka here?" Anodaro Meyer. Zvakanaka iwe unoda kuponesa mwedzi mitatu kusvika kumitanhatu yekugara mari yekuchengetedza mvura yakakwana, asi kubhadhara kwako pachako-kunenge madhora 3,000 - kunogona kukuponesa kubva munyika inokuvadza. Kuva nemari iyo yakaderedzwa mumakosti ekuchengetedza mvura zvinoreva kuti haufaniri kuisa iyo kutengesa kutsva kana bhizimusi risina kutarisirwa paVisa yako. Kwete, anodzoka pamari uye mari yemisika haisi zvishoma, asi izvi zviri pamativi. Basa rekusimudzira stash ndekuvepo kana iwe uchida.

03 Kuonana neMatepi Pabasa Rako Kubata

Ndiwo wechitatu pane urongwa, asi ingangodaro iwe wekutsvaga mari iwe unogona kuita zvikwereti kuti kadhi rechikwereti chikwata chekudzoka kudzoka: kubata chero mari inoshandiswa nevanoshandira inopiwa muchirongwa chekurega basa nekuwedzera mari yauri kupa kune yako 401 (k) kana 403 (k). (Kana uine kadhi rechikwereti uye uchida kuchengetedza kubhadhara, inangwa yekuita zvose, kana zvichibvira.)

Tim Maurer, mutungamiri wemari uye munyori we Simple Simple , anoti imwe nzira yekusunungura mari yakawanda yeiyi (kana chimwe chezvimwe zvinosarudzwa pane urongwa urwu) ndeyokuderedza kubvisa kwako. Ingova nechokwadi chekuwedzera michero yako yekurega basa panguva imwechete kuitira kuti urege kutsvaira mari yakawedzerwa mubhadharo rako.

04 Bhengai HSA

Kana uine chirongwa che-health deductible plan neAalth Savings Account, iwe unogona kuisa-kana kunyange zviri nani, chengetesa - madhora ako ipapo. HSAs mitatu isina mutero: Mari inopinda mavari isati yateresa kuburikidza nemubhadharo wokubhadhara (kana, kana iwe ukaisa mukati mako, uri mutero wakabviswa); inokura musero; uye haibhadharwi kubhadharwa chero bedzi paunenge uchishandisa mari yekurapa. Izvozvo zvinoreva kudarika mari yaunoshandisa munguva shomanana kuburikidza nekambisi inokuponesa iwe zvinenge 25 muzana pane zvose zvekurapa kwako. Asi iwe unogonawo kuisa mari iyo mubhuku uye ichibvumira kuti ikure.

Kana uchinge wava nemakore makumi matanhatu nemashanu, kutora kusashandiswa kwehutano kunorapwa sezvakaitwa 401 (k) kubvisa uye kubhadhara mutero pamutero wako wemutero uripo. "Kana iwe usina kutora mishonga yako yeHSA yegore [muganhu wemiriyoni inodarika $ 3 400 muna 2017], unogona kuwedzera mubhadharo wako wekubhadhara uye urikurima mumari yakawanda yemari," anodaro Meyer. "Zviri nani kupfuura Roth IRA, nokuti isati yateresa uye isingabhadharwi mutero."

05 Itai kuti ive IRA

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Kana iwe uri kuita mutsara panzvimbo yebasa rako rekurega basa - kana usina imwe - IRA ndiyo inotanga kumira mumugwagwa wekurega basa. Asi iwe unoda Roth IRA kana chetsika imwe here? Heino misiyano: Unogamuchira kubhadhara mutero pamari inopinda muchirongwa cheIRA. Iyo inokura mutero-yakatambiswa, asi iwe unobhadhara mutero wemari kana iwe uchikwevera mari kunze (iwe unogona kuita kutanga pazera remakore 59 ½ uye unofanira kuita pazera remakore makumi manomwe nemakumi mashanu). NeRoth, hapana kubhadhara mutero mazuva ano - asi kana iwe uchinge wanyora mubhuku rekusiya basa, iwe unotora mutero usingabhadhari. "Roth [IRA] kazhinji inonzwisisika kana iwe uchifunga kuti uri mubhakoni imwe yemutero kana yakakwirira mukurasikirwa," anodaro Meyer.

Izvo hazvinawo zvinodiwa zvekutora, izvo zvinoreva kuti iwe unogona kupa mari kune vagari venhaka yako, uye kune zvakawanda zvinogadziriswa - muzviitiko zvakawanda iwe unogona kuwana pamari usingatongwi, kusanganisira dzidzo kana kutenga imba yako yekutanga.

06 Kutenga muIndam policies

Saka, wakabvisa mabhokisi ose uye iwe unoda kuita chimwe chinhu nemari yako yekubhadhara ine mukana wekubhadhara guru. Kana kana ... zvikuru.

Misika yemabhiza yakaona kukura kwakakura kubva pakuderera, uye iyo yekambani yemombe yakaenderera mberi mugore rekutanga raTrump, rinotungamirirwa mune chikamu nekutarisira kwebhizimisi reGOP rekodzero yemutero. Kunyange zvazvo mumusika pakupedzisira wakarova huccup muchimiro chekutanga-February kururamiswa, vashandi venguva yakareba vanofanira kugara vachirima muzvikwata, uye zvingava pfungwa yakanaka yekuisa mari yeTrump mupfungwa. Kunzwisisa, zvechokwadi, kuti Washington inzvimbo isingazivikanwi, Mutungamiri ane telegraphed kuti anoda kushandisa pazvivakovheni uye kuderedza mitemo, iyo yose inogona kupa mikana yekutsvaga. Zvinotaridzikawo kuti pasi peMutungamiri Trump, purogiramu yenguva pfupi inofarira icharamba ichikwira. Izvi zvinoreva kudyidzana nevashandi, zvigadzirwa, uye mari yezvemari. Cherechedza: Izvi zvinorayirwa nemitemo uye shanduko zvakatoita kuti kuwedzera mune dzimwe nzvimbo dzemusika, saka tsika zvakanyatsonaka.

07 Fund College

Vabereki vari kutarisa kuisa mari mumari yevana vavo remangwana, vangave vachida kutarisa chirongwa chekuchengetedza chikoro chemakore makumi mashanu nemakumi mashanu. Kufanana neRoth IRAs, iwe unopa mari mushure mekubhadhara mari uye madhora ako anobva atengeswa nekukura musero. Chero bedzi paunoshandisa mari yekuwana dzidzo, hapana mutero uchabhadharwa. Asi pano ndiyo yakakosha zvikuru caveat: "Iwe haugoni kuisa nguva yako yekusagadzikana kwemari pangozi nekuda kwekoroji rako revana," anodaro Maurer. "Kana mamwe mabhokisi ose akataridzirwa kuronga kwenguva yakareba yokurayira basa, ipapo nenzira dzose uishandisa."

08 Ita Chipo

Imwe nzira yekuisa mari kune mumwe munhu (kana chimwe chinhu) zvimwe ndeyokupa rubatsiro rwechipo - uye iwe unogona kutarisira zvipo zvako sezvaunoda iwe purofidho yako. Kana iwe uchida kuti mari yako iwane kudzoka kukuru, kana kuti yakakosha zvikuru, iwe unofanirwa kutarisa zvishoma pane zvipo zvinokuita kuti unzwe zvakanaka, uye zvizhinji pane izvo zvinoita zvakanaka. Usati wapiwe, bvunza mibvunzo yorudo sezvinotevera: "Kune $ 1, iwe unopedza sei?" Uye "Sei nyika iri kuchinja nekuda kwerudo rwenyu?" Givewell.org, kwete-inobatsiri inopa tsvakurudzo uye kuongorora pane zvipo, zvinogona kukubatsira kupindura mibvunzo iyi, zvakare.