Asi zvinogona kuita upenyu hurefu zvinorevawo kuongorora mubvunzo mukuru kana kuisa pamwe chirongwa chezvemari: Ndeapi mararamiro aunoda iwe kana iwe uri pakati pevanhu ivavo kuti uwane hupenyu hurefu huno?
Ndeipi chirongwa chekurega basa chinogona kuita kuti uve nemakore zana-uye kupfuura?
Ronga paKushanda Longer ...
Ngatiti iwe unotanga kushanda pa25, umire pa65, uye urarame 'kana makumi mapfumbamwe nemaviri. Ndiyo makore makumi mana mumashandi uye makumi matatu ekurega basa. Ita mathemati, anodaro Walter Updegrave uyo anodzika pa RealDealRetirement.com: Inoshanda kusvika kumakore matatu achishanda kutsigira gore rekusunungurwa. "Vanhu nhasi vari kuzova nenguva yakaoma chaizvo kuibvisa izvozvo," anodaro. "Vachava nenguva yakaoma kuti vatsigire ivo kwemakore makumi maviri."
Asi anobvuma kuti kuramba uchishanda hakusi nyore sezvinongoti iwe unoda kuramba uchishanda. "Nhasi, 48% yevanhu vanoenda kure pane zvavanotarisira," anodaro, uye kwete nguva dzose nechisarudzo. Kuramba uchiwana mari inenge ichitsvaga nzira yakasiyana yekufunga pamusoro pebasa, zvichida mabhasikoro mukati uye kunze kwebasa, kuronga chikamu chenguva yakazara kana chibvumirano chekubvunzurudza nemunhu waimbova mushandirwi, kana kusungirira shingle yako pachako.
Mune mamwe mazwi, zvichatora kufungidzira uye kuronga. "Kurarama kune zana," Updegrave inotaura zvakananga, "haisi bhonasi yakawanda yekuwedzerwa nguva yakawanda."
... Uye Zvimwe Zvine Chinangwa
Asi izvozvo hazvirevi kuti zvinofanira kuva chirevo. Tim Maurer, munyori we "Simple Money: A No-Nonsense Guide To Personal Finance," inotaura kuti paunopiwa chisarudzo pakati pekuchengetedza zvakanyanya kurwisa kuti uwane basa rekurega basa kwenguva yakareba kana kushanda kwenguva yakareba ari mudzidzi wekupedzisira-chero bedzi uri kushanda pane chimwe chinhu chaunoda.
"Izvi ndizvo izvo zvizvarwa zviduku zviri kutotarisira," anodaro. "[Mubasa rangu] Ndinoona vanhu vanonyanya kufarira kuwana basa ravanofarira uye vanogona kuita nekusingaperi." Izvo zvine utano, kwete kungofanana nemari, asi kubva kuchiremba. "Zvinoratidzika isu hatina wired for retirement endless. Tine shungu yekuita, "Maurer anoti. "Vashandi vezvokurapa vanoti izvi zviri nani, maererano nekudzivisa kuora mwoyo kweAlzheimer uye [zvimwe zvirwere zvepanyama]."
Dive Muzvibatsiro Zvako Headfirst
Apo patinenge tiri pamusoro pebasa rebasa, zvinokoshawo kuti tifunge kuti yakawanda sei-uye nekukurumidzira sei-nyika inoshanda inofanana nesu. "Pfungwa yekushanda kune imwe kambani kana emabhizimisi nekugara imomo nguva yakareba-iyo yakawanda kwazvo," anodaro Updegrave. "Vanhu havazove nemabasa akawanda, asiwo maitiro akasiyana emabasa uye kushamwaridzana kwevashandi." Paunenge uchishandira mushandi wepanyika (zvikurukuru mukuru) mukana iwe uchava 401 (k) kana imwe basa-based retirement plan, zvichida neanoshandira musikana. Kana iwe uri muchengeti wezvokuchengetedza, iwe onus uri pane yako kuti uzarure kambani yekubvisa mari-zvichida SEP IRA-uye uibhadhara iyo nguva dzose. Uye sezvo iwe uchifamba uye uchibva kune mamwe maitiro emabasa akasiyana, zviri kwauri kuti uchengetedze ma tabs kuti iwe uri kuchengetedza zvakakwana here, zvisinei kuti zvinhu zvako (muzvirongwa zvako zvose zvakabatanidzwa) zvakafananidzirwa, uye kuti uri kufambira mberi sei kune zvinangwa zvako .
Kana izvi zvisiri chimwe chinhu chaunonzwa wakasununguka kuzviita iwe, gore rega rega rezvemari nemudzidzisi wezvemari anogona kubatsira.
Ponesa Zvakawanda Zvaunogona, Paunogona
Panguva ino, iwe unogona kunge uchiziva mazano ekuchengetedza 15 muzana yemari yako, gore roga roga, kuti uwane mari yako yekurega basa. Mari iyo inogona kusanganisira kufanana nemadhora. Asi chii chinoitika iwe unayo bhadharo risina kutarisirwa mune zvehutano, kana vana vako vaviri vanopinda mumakoroji avo anodhura zvikuru? "Upenyu hahu hunoenderana," Maurer anoti. "Ndinokurudzira kuchengetedza zvakakwana sezvaunokwanisa apo iwe unogona, kunyanya mumakore ako maduku, apo kuchengetedza zviri nyore." Mumakore iwayo, apo iwe hausi kunyanya kubhadhara mari huru yekutarisira vana, anotsigira kutambanudza kuchengetedza 20 muzana. "Ichokwadi inogona kuitika kana vachikwirirana. Iko mari inopetwa kaviri / kwete vana veimba-ndiyo nguva yandinorayira kuparadzanisa kuchengetedza, "anodaro.
Iwe unokwanisa kudhonza chikamu chekuchengetedza paunenge uine vana kumativi ose anoyera madhora ako akaoma-akawana, asi iva nechokwadi kuti iwe unodzokorora zvakare kana dendere risina chinhu.
Isa muhutano hwako
Maererano neFidelity Investments '2017 Retiree Health Care Cost Esitarisirwa, vakaroorana vane makore 65 vanofanirwa kuronga kushandisa $ 275,000 muhutano husina kubhadharwa hwehutano pamusoro pehupenyu hwavo-chimiro chisingaverengi kutarisira kwenguva refu uye yeimba yekuyamwisa mari (zvimwe avo mune imwe nguva). Ndiyo 6 muzana inokwira kubva nhamba ya 2016, uye inowanikwa zvikuru pamishonga yepamusoro yeMedare, copays, deductibles, uye mishonga yemishonga inodhaka.
Ichi ndicho chikonzero chikuru chakaita kuti Erin McInrue Savage, vamiririri wepurezidhendi wekutsvakurudza paAldWave, anoti kuisa mari muhutano hwako ndeimwe yemapuranga epurogiramu yekusarura yakavakirwa kuenda kure. Imwe nzira yekuita izvi ndeyokuita mupiro wenguva dzose kuAalth Savings Account (HSA) kana iwe uchikodzera kune imwe.
Chimwe ndechekuita kuti ugare wakasimba. Sezvo The Cleveland Clinic yaDkt. Michael Roizen uye ini takanyora mubhuku redu rokuti "AgeProof: Kurarama kwenguva refu pasina kubuda kunze kwemari kana kuputsa njodzi," kune zvinhu zvina zvaungagona kuita zvinoderedza kuitika kwechirwere chisingaperi chine 75 muzana:
- Dzivisa utsi (kunyanya utsi hweutsi)
- Idya zvine utano (kurega ushuga nyore uye syrups, zvakakora uye mafuta anotengesa uye carbs nyore)
- Simuka uye uende (zviuru gumi zvemasikati pazuva rakanaka)
- Shingairira chirongwa chokuderedza kushungurudzika.
Zvirwere zvisingaperi, nokuda kwekodhi, nhamba ye 84 muzana yehutano hwekushandisa mari. Iko mari yakawanda yekukwanisa kurima zvakare muzvirongwa zvako zvekurega basa.
Tariro yeZvakanakisisa, Chengetedzo yeHakaipa
Pakupedzisira, zvinobatsira kuziva nezvekusarudza kwako kubhadhara kumba-kana kuchengetedza kwenguva refu kana zvichizoitika. Nhepfenyuro yenguva refu yekuchengetedzwa kweinishuwarenzi ndeimwe nzira, asi zvose zviri zviviri uye zvakaoma kuti zvikwanisike kana wapedza makore makumi mashanu. Zvimwe zviviri zvisingadhura, zvitsva, zvingagadziriswa: A deferred annuity (uye dzimwe nguva inonzi inshuwarisi yemazuva mazhinji) yaunotenga mumakore makumi mashanu kusvika makumi matanhatu, asi usatora kusvika kusvika makore makumi mapfumbamwe kana kupfuura. Mari yacho ine nguva yakawanda yekukura kuti kubatsirwa kunogona kuve kwakakosha. Kana hupenyu hunopesana-inshuwarisi, iyo inobatsira rufu inogona kutorwa pairi kubhadhara kuchengetedza kwenguva refu kana uchida. Taura nemumwe munhu anishuwarenzi yehupenyu maererano nezvose izvi.
Ndiine Ellie Schroeder