Sei nhamba idzi dzakakwirira kudaro? Kwereta dutu rakakwana rezviitiko zvakawanda. Kutanga, vanhu vari kurarama kwenguva yakareba, kazhinji vasina mari yakakwana yekugadzirisa basa rekurega basa uye zvido zvehutano. Kim Parker, munyori wekutungamirira pamusangano wePew 2013, akawana kuti munhu mumwe chete muvanhu vanomwe mumakore avo makumi mana nemakumi mashanu anopa rubatsiro rwemari kuvabereki vakwegura. Ichi ndicho chikonzero chekuwedzera kwekutsvaga kwemari uye mari inowedzera yehutano -Fidelity Investments mirairo iyo mhirizhonga yemakore 65 muna 2017 ichapedza mavhareji e $ 275,000 pamusoro pehutano hwehutano pamusoro pehupenyu hwavo hwose, 6% inowedzera pamusoro 2016.
Munguva iyi, nguva yatinenge tine vana yakaenda zvakasimba pamusoro pemakore makumi maviri apfuura, zvichireva kuti vanhu variko vanowedzera kurera vana kusvika pakupera kwema40s uye kutanga kwema50s. Uye mushambadzi webasa rakaoma pamwe chete nechikwereti chakakosha chemari chikwereti chakachengetedza vane zviuru zvemakore vachigara pamba kwenguva refu . Hafu yevanhu vakuru vezera remakore makumi mana kusvika kune makumi matanhatu vakaongororwa vakabvuma kubatsirana vana vakuru mumari, zvichida muchikamu kana zvakakwana.
Kuramba mune sandwich kune migumisiro yakawanda: manzwiro, mumuviri uye mune zvemari. Kana iwe uchifunga kuti iwe unogona kuenda kune sandwich, inguva yekutora zvaunogona kuita uye kuronga zvishoma mberi.
Taura Nevabereki Vako
Nyanzvi dzokuvaka kusimba dzichakuudza: Chengetedza zvinhu izvo zvaunogona kuzvidzora, uye uende kune dzimwe nzvimbo.
Izvo zvakanaka mazano mumamiriro ezvinhu aya. Zvinogona kuva zvakaoma kufanotaura kana vana vako vachadzoka kumba kwenyu sevanhu vanoita basa , asi iwe unogona kutanga kutanga kuwana zvimwe zviratidzo zvekuti vabereki vako vari mune mari sei mune ramangwana ravo. Iwe unogona kunge wava nenguva yekuvabatsira kugadzira mamiriro avo ezvinhu.
Tanga nekutora zvinhu zvevabereki vako nematambudziko, anodaro Chris Rogers, Mutariri wePortfolio naCarroll Financial muCharlotte, NC. Zvakakosha kuziva kuti vabereki vako vari kupi mune zvemari kuitira kuti iwe usati wapofumadzwa kana uchinge usina mari-pamwe chete, unogona kuvabatsira kuvatungamirira. Tora chero zvikwereti nezvikwereti, zvinhu zvakadai sepensions uye Social Security income, uye inshuwarisi yehutano, uyewo zvavanowanzoshandisa kushandisa kana vachienzaniswa nezvavari. Kana vachizeza kutanga hurukuro iyi-kana kuti kunyatsotsanangura nenhamba-iyo inonzwisisika, Rogers anoti, sezvo chizvarwa ichi chinowanzova chakanaka nezvevamwe mari yavo. Asi iwe unoda kuramba uchifamba-famba uchikomberedza nyaya kusvikira iwe uine ruzivo rwakanyanya sezvaunokwanisa.
Vimbisa vabereki vako kuti hausi kuedza kutora mari yavo kana kusarudza kuzvimiririra kwavo, asi kuti uri kuedza kuongorora ramangwana rako; mune mamwe mazwi, kuburikidza nekukurukurirana uku, vari kubatsira iwe nevanokudzwa navo.
(Icho chikumbiro chakaoma kwazvo kuti chidzivirire.)
Isa Chinotarisirwa Chevana Vanofanira Kuzviriritira
Apo zvinouya kuvana vako, pane musiyano mukuru pakati pevaya vari kufamba netsoka dzavo kana kuti vachidzikinura kwenguva pfupi kubva pakagadziriswa uye avo vanoita sevari kusingaperi pamhuri yekubhadhara. Dambudziko racho, Rogers anoti, ndeye apo iwe une vana vakuru vari kutsigirwa avo vanogona kukwanisa kuzvitsigira pachavo. "Kana iwe wakawana vana vakadzidziswa, kunze kwekorojiji musina zvikwereti, maita zvaunoda," Rogers anoti "Dzimwe nguva rudo rwakasimba runodikanwa." Kana iwe uchibvumirana nehupfumi kubatsira mwana mukuru achienda kuburikidza nechimwe chinhu chakaita sokurambana kana kurasikirwa nebasa, iva nechokwadi kuti zvakajeka kuti iwe uchave uchivatsigira kwenguva yakareba sei, chii chichasimbiswa, uye chii chavanofanira kuita chero bedzi vari kurarama pasi peimba yako kana kutora mari yako.
Imwe nzira ndeyekuita chikwereti pane chipo kune vana vako kana vari mumatambudziko emari. Kana iwe uchienda nenzira iyi, Rogers anonyora, tora mazwi acho mukunyora.
Funga Nezvaunofunga Nehupenyu Hwakanaka
Apo uri kutsigira vanotambudza vechiduku kana vakuru vanovimba nemari, iwe uri kuvatsigirawo mupfungwa. Maererano nePew, inenge chikamu chetatu chevanhu vari muboka iri vakabvuma kuti vanomhanya nguva dzose, uye sayenzi inotitaurira nguva iyo kushushikana-manzwiro ekusava nenguva yakakwana pazuva-inokuvadza zvikuru muupenyu hupenyu. Vakadzi kunyanya vanobatwa nechishamiso, nokuti ivo ndivo avo vanotarisirwa kuchengetedza vana kana vakwegura vemhuri.
Vanhu vazhinji vari mumamiriro ezvinhu aya vanonyanya kufunga nezvekucheka mari pane kuwana kukosha, inodaro Sarah Newcomb, nyanzvi yezvemitemo uye munyori we "Akarasikirwa: Mari, Psychology uye Maitiro Okufambira Mberi Pasina Kusiya Zvaunofunga Pakupedzisira." Iko kukanganisa kukuru. Kunyangwe kutarisira mubereki iwe pachako usingabatsiri rubatsiro kunogona kukuchengetedza mari, iyo mari inogona kuuya pamutengo wehupenyu hwako hwehupenyu, hupenyu hwehupenyu, nekubudirira.
Zvisinei, mari yakakura, kunyange zvakadaro, inogona kuva ukama hwako nevabereki vako. Newcomb inoti ukama pakati pevabereki nevana hunowanzowedzera kana vana vachitora basa rekuchengeta. "Iwe unofunga kufunga nezvehupenyu hwako hwezuva nezuva huchava hwakaita sei kana ukasarudza kuchengeta mari nekuchengeta mubereki wako," anodaro. "Kazhinji mari yakawanda inogona kuva muukama hwaunahwo nemubereki uyo."
Dzivisa Martyr Narrative
Pakupedzisira, Newcomb inopa zano rokuti titeerere nyaya dzatinotaura isu dziri kuwedzera kumatambudziko atinonzwa. Anofunga kuti vanhu vanonzwa shanje vanotanga nokuzvibvunza mibvunzo mashomanana: Zvinorevei kwauri kuva mwanakomana akanaka, mwanasikana, kana mubereki? Nhoroondo iyi ingakanganisa sei matambudziko emari kana manzwiro aunonzwa? Somuenzaniso, Newcomb inotaura kuti vamwe vanhu vanofunga kuti mubereki akanaka anobhadhara koreji, kana kuti mwanakomana akanaka kana mwanasikana haazombofi akaisa vabereki vavo mumusha unochengetedza vakwegura. Funga kana iwe uri ne "nhoroondo yeafira" yekuzvipira iwe pachako zvido zvekutarisira kune umwe neumwe.
Nhanho inotevera inogona kudzokera pane dzimwe nzira dzaungadaro wakambobvisa patafura. Zvichida iwe unotenda kuti hama yako haina hanya, saka iwe unofanirwa kutyaira amai kune vose vanogadzwa nachiremba uye kudya. Kana kuti zvichida iwe unofunga kuti kuhaya nanny yevana vako kunoita kuti uve mubereki akaipa. Kuziva uye kufungisisa zvimwe zvezvinyorwa izvi zvinogona kunge zvichisunungura.
Ndiine Ellie Schroeder