Izvi zvinhu zvina zvichakubatsira kusarudza nguva yekutora Social Security.
- Iwe uchashanda pakati pemakore makumi matanhatu nemakore ako ezera rekurega basa?
- Hupenyu hwako hunotarisirwa
- Mamiriro ako emhuri
- Chido chako chekudzivirira simba rako rekushandisa kana iwe uchirarama kwenguva yakareba kupfuura iwe unogona kutarisira
Pasi apa unogona kuona kuti chimwe nechimwe chezvinhu zvina chinokanganisa mamiriro ako ega, uye uchawana mienzaniso chaiyo ine nhamba.
1. Kubhadharwa Mari Inosati Yakazvarwa 66 kana 67
Kana iwe usati wasvika pazera rako rekusununguka zvakakwana sezvinotsanangurwa neSocial Security (kune vanhu vakawanda vanenge makore 66 kana 67) uye iwe uchiri kushanda, zvingasave zvisinganzwisisi kutanga kutambira Social Social Security yako.
Sei? Nokuti kana iwe ukabhadhara pamusoro peHuman Security Security mari yako, yako Social Social benefits ichaderedzwa. Rimwe raunosvika pakubhadhara zvakakwana makore ako mashoma haazogadziriswa pasinei nemamwe mari yaungawana (kunyange zvazvo zvikwereti zvako zvingabhadharwa.)
2. Upenyu Husingatarisiri
Kana iwe uchirarama maererano netariro yako yemararamiro akazara, tenda kana kwete, iwe uchatora zvakaenzana nemari yakafanana iwe unotora Social Security pakutanga, kana kumirira kusvikira gare kuti uutore. Kuti uone kuti izvi zvinoshanda sei, zvinobatsira kutarisa muenzaniso unoshandisa nhamba chaiyo, yakadai seyo iri pasi apa.
George ane makore 61 uye ari kusarudza nguva yekutora Social Security.
Heino nhamba kubva kuHarare Social Statement inoratidza izvo zvaachawana panguva iyo:
- Zera 62: $ 1,643 ($ 19,716 pagore)
- Zera 66: $ 2 238 ($ 26,856 pagore)
- Zera 70: $ 3 009 ($ 36,108 pagore)
Murume ane makore makumi matanhatu nematanhatu ane tarisiro yeupenyu hwemakore gumi nemapfumbamwe, kana kuva nemakore 81. Social Security ine mari yekugadzirisa mararamiro ayo anopa kuwedzera kwezvibereko pamusoro pemakore, asi ikozvino, isu ticharamba tichidaro.
Ngatitarisei nezvezviitiko zvitatu:
- Funga kuti George anotanga kugamuchira rubatsiro pa 62. Anowana $ 1,643 pamwedzi, kana $ 19 716 pagore, kwemakore makumi mana nemashanu. Anogamuchira $ 374 600.
- Kana akamirira kusvikira ava nemakore 66, anowana $ 2 238 pamwedzi, kana $ 26,856 pagore, kwemakore gumi nemashanu (kusvika kune makore 81). Anogamuchira mari inokwana madhora 402 870.
- Kana akamirira kusvika makore makumi manomwe, anowana $ 3 009 pamwedzi, kana $ 36 108 pagore, kwemakore gumi nemana (kusvika kune makore 81). Anogamuchira mari inosvika $ 397,190.
Muchidimbu:
- $ 374,600 kana akazotanga kubatsirwa pazera remakore makumi matanhatu nematanhatu
- $ 402,870 kana akazotanga kubatsirwa pazera remakore 66
- $ 397,190 kana akazotanga kubatsirwa pazera remakore makumi manomwe
Zviri pachena, kana George achigara kune tariro yeupenyu, anowedzera mararamiro ake eupenyu nekutora Social Security zvikwereti pazera rake rose rekurega basa, makore makumi matanhatu nemaviri.
Kana iwe uchinge uine huwandu hwekuwedzera kwezvikwereti zvichienderana nekudhura kwekugadzirisa mararamiro ayo Social Security inopa, kumirira kwenguva refu kutora Social Security inotarisa zviri nani.
Nekuda kwekugadzirisa mararamiro e2% pagore akaverengerwa, uye kurarama kune tarisiro yehupenyu, George angatarisira zvinotevera zviyero zvose.
- $ 450,320 kana akazotanga kubatsirwa pazera remakore 62
- $ 502,720 kana akatanga kubatsirwa pazera remakore 66
- $ 514,800 kana akazotanga kubatsirwa pazera remakore makumi manomwe
Kana George achigara ava nemakore 81, achawedzera mari yeupenyu hwake nekumirira kusvika makore makumi manomwe kuti atange kutora Social Security.
(Munyaya yeGeorge, kupera kwake makore makumi masere, zvinoreva kana akamirira kusvika makore makumi manomwe kuti atange kubatsirwa, anofanira kurarama kusvika makore makumi masere kuti awane mari yakafanana yaaigona kugamuchira kana atanga kutora mari.)
Ona zvizere zvekufungidzira kwemashoko aya muDVD Kana Kuti Kutora Social Security Analysis.
Kune zvakawanda zvemadhora ari pangozi, uye zvirokwazvo hapana anoziva hupenyu hwavo tarisiro nechokwadi. Zvisinei humwe hutano hwakanaka uye hupenyu hwehupenyu huchachinja hupenyu hwehupenyu hwako pachavo. Kungofanana nekambani yeInishuwarenzi yaizoita zvinyorwa pasi, ndinokurudzira kuti uongorore mararamiro ako ehupenyu hwako, uchishandisa tarisiro yehupenyu yekuverengera iyo ichakubvunza mibvunzo yehutano uye yehupenyu.
3. Mamiriro Okuroorana
Kana zvisingatauri, tarisiro yeupenyu ndeimwe yezvinokosha zvekufunga nezvazvo.
Kuputsa-kunyange kuongororwa maererano nekugara kwenguva yakareba kunogona kuva nzvimbo yakanaka yekutanga yechisarudzo chekuchengetedzwa kwehupfumi kwevasina . Mitero inofanira kufungwawo zvakare. Tenda kana kwete, nokuti vamwe vanhu vanonoka kutanga kweSocial Security uye vachibvisa kubva kumabhengi ekurega mari vasati vanga kupa humwe rubatsiro rwemitero.
Kune vakaroorana Social Security haisi nyore . Nzira iyo Social Security survivor inobatsira inoshanda, kana iwe wakaroorwa, pamusana pekufa kwewawakaroorana naye, mudzimai anoramba aripo anogona kuchengetedza hukuru hwevabereki vavo kana kuti ivo vanobatsirwa. Nemhaka yeizvi, pane nzira dzekuti vanhu vakaroorana vaongorore kuti sei uye pavanotora sei rubatsiro kuitira kuti vawane zvakawanda sevakaroorana.
4. Chido Chekudzivirira Kutenga Simba
Vanhu vazhinji vanoda kuunganidza zvekuchengetedzwa kwehupfumi hwavo pakarepo pavanenge vakakodzera, iyo iri pa 62. Vanoita chisarudzo vasinganzwisisi migumisiro yenguva refu. Kana iwe uchifanira kurarama zvakanaka kusvika kune makore makumi mapfumbamwe, iwe uri kusiya chero kupi zvako kubva pa $ 50,000 - $ 150,000 mune mamwe mari nekuita nekukurumidzira kusarudza nezvekutora Social Social Security yako.
Social Security benefits ine mari-ye--hupenyu huri kugadziriswa yakavakwa mukati mavo, zvinoreva kuti mari yako yehupfumi yehupfumi ichawedzera nekuderera. Kuita zvakanyanya zvehutano hwako hwe Social Security kuburikidza nekukanganisa kutanga kwako zuva kunogona kukupa huwandu hwakawanda hwekuchengetedzwa kwemari gare gare muupenyu.