Ari kusara pamusana pezera rekufamba zvakanaka here?
Nhoroondo ye US Census Bureau inoratidza kuti chiyero chekugara muhurumende muUnited States inenge makore makumi matanhatu nemakumi matanhatu. Asi makore makumi matanhatu nematanhatu, angafungidzirwa sezera remakore ekutanga rekurega basa pane zvaunoshandisa kuti Social Security uye Medicare zvibatsire kushanda.
Inhoroondo ye US Census Bureau inoratidza kuti mavhareji akareba ekurasira makore gumi nemana.
Kurega Imba Yekare Kunotsvaga neHurumende
Avhareji yekusununguka kwemakore yakasiyana nehurumende. Muhurumende nemari yepamusoro yehupenyu, yakadai seNew England nzvimbo, yega yezera rekurega basa iri rakakwirira.
Vanhu vanoshanda kwenguva refu nokuti vanofanirwa kuti vawane mari yekugara muhurumende yavo. Muhurumende nehuwandu hwekushaya mabasa, yega yega yekusununguka kwemakore yakaderera. Vanhu vasingakwanisi kuwana basa vanomanikidzwa kupinda mujeri kare pane zvavanoda. Imwe yenharaunda dzine makore ekutanga ekurega basa ndeyeAppalachian region.
Social Security uye Medicare Retirement Age
Social Security inoshandisa izwi iro nguva yakazara yekurega basa panzvimbo yezvizhinji zvedu zvingafunga kuti se "muvhareji" kana kuti nguva yakazara yekurega basa. Nguva yekusununguka kwemakore, yakapfupiswa se "FRA," ndiyo nguva yaunowana mari yako yakazara ye Social Social benefits. Gore rako rokuberekwa rinotarisa kuti FRA yako ndeyei. Chero ani zvake anotarisa makore makumi maviri nematanhatu muna 2017 kana kuti mberi achave neFA iyo yakaenzana kubva pazera remakore makumi matanhatu nemaviri kusvika kumakore 67. Kana iwe ukati zvibatsiro pamberi peFR, unowana rubatsiro rwakaderedzwa, uye kana iwe unoti kubatsirwa pashure pokusvika kwaFR, unowedzera kubatsirwa.
Medicare inobatsira inotanga pazera remakore makumi matanhatu nemashanu.
Kana ukasara mushure mezera remakore makumi matanhatu nemashanu, iwe uchada kuva nechirongwa panzvimbo yekubhadhara yveshuwarhu yehutano yega yega kusvikira iwe uchikodzera kuenda kuMedare.
Kana Uri Pedyo Nokurasikirwa
Pasinei nezera rako, kana iwe uri mukati memakore mashanu apo iwe unofunga kuti iwe unoda kurasa , iwe unofanira kutanga kuronga ikozvino. Gadzira mari yekuchengetedza mari, ita majekiti akavakirwa pamazera akasiyana-siyana kuti utange Social Security, uye ona kuti iwe uchada kupedza gore rega rega.
Usamirira kusvikira gore raunoda kubhadhara kuti utange uku kuronga. Kana iwe wakanyatsogadzirira iwe, zviri nani iwe unenge uine kana kusakosha kwaunoita kuti iwe uite basa rekurega basa pane iwe pawakaronga.
Kana iwe uchida kubvisa pamba-uye mangwanani-kare ndinoreva nguva ipi zvayo isati yasvika gore rinenge risati rasvika rekurega basa - iwe uchada kuronga kwemakore mazhinji akawanda mukurasira pane munhu wega wega achave. Iwe unogona kupedza makore 25, 30, kana makore makumi mana ekurega basa. Pane zvinhu zvakawanda zvokufungisisa usati wapera mumba mako, zvakadai sokuti iwe uchaenda sei kubhadhara mari yekuchengetedza utano, hupenyu hwako hurefu (nguva yakareba iwe ungararama), uye zvauchaita nenguva yako.
Iwe unodawo kuongorora nguva yekutanga Social Security, uye kuti ungazotanga sei kubatanidza mabhizimisi ekurasikirwa kuitira kuti zvinhu zvive nyore kutarisira.
Kusvika Mukurasira
Kurega basa rinomiririra shanduko huru muupenyu. Muhupenyu hwangu, vanhu vazhinji vanonyanya kupfurikidza nekuchinja zvishoma nezvishoma kubva mubasa renguva yakazara kusvika pakupedzisira kubhadhara basa. Vanachiremba nevamwe vadzidzisi vakadai sevanyori vekare kana avo varairi vanowanzokwanisa kuderedza purogiramu yavo yebasa mazuva mana pavhiki, zvino mazuva matatu pavhiki, nezvimwe zvakadaro. Kana iwe uchikwanisa kuronga izvi, zvinokubvumira kuti urambe uchishandisa unyanzvi hwawakawana uye hushanda makore akawanda akapfuura mushure mekugara kwemakore, asi zvishoma nezvishoma.
Kana iwe usina kuchengetedza zvakakwana, kuwedzera makore ako ekurega basa kubva kune makore makumi matanhatu kusvikira kune makore makumi maviri nemakumi mashanu ekurega basa kunogona kuva nechinetso chikuru pamagumisiro emari epurogiramu yako yokurega basa. Chimwe chezvikonzero ndechokuti Medicare inotanga pa 65 uye izvi zvisati zvaitika kuti kubhadhara hutano iwe pachako kunogona kudhura. Uyezve, nekushanda kwenguva yakareba, une makore matatu akawedzerwa ekupa mari yekuchengetedza panzvimbo pokubvisa kubva pakachengetwa.
Kushanda kwenguva refu - Kazhinji kacho Smart Move
Kune avo vanoronga pakushanda kwenguva yakareba yekusununguka kwemakore, fungisisa zvakanyatsoitika paunotanga Social Social benefits yako. Vamwe vanhu vanofunga kuti vachapeta kaviri uye vanotanga Social Security pakutanga uye vachiramba vachishanda - asi kana uchitanga kubatsirwa kare, unogona kuzviisa pasi peHuman Security Security muganhu - izvo zvinoda kuti iwe ubhadhara zvimwe zvikomborero kana ukaita zvakawanda mari.
Sezvo isu tiri kurarama kwenguva yakareba kupfuura kare, vanhu vazhinji vanofanira kufunga nezvekurega kubvisa basa kusvikira pazera remakore makumi manomwe. Kurega kurega kubhadharwa kusvika panguva inotevera kunogona kureva kushungurudzika kana iwe ukasvika ipapo. Ipapo iwe unogona kusununguka uye unofadzwa chaizvo nemakore ako ekurega basa.