Kufunga Kwemagariro Pamusoro Wekubhadharwa Kwemari Kubhadhara Kunogona Kukanganisa
Nzira yekutora kushandiswa inoshandisa chimwe chinhu chinonzi mutemo we-4 muzana . Mutemo uyu unoti iwe unogona kubvisa anenge 4 muzana wehutungamiri wako gore rega roga, kuitira kuti iwe unogona kutora madhora mazana mana emadhora ega ega wawakapa.
Asi iwe haungadi kuti iwe unokwanisa kuishandisa zvose. Mamwe emadhora mazana mana aya aifanira kuenda kumitero.
Kana iyi ndiyo nzira bedzi iwe uri kutarisa kuti iwe unogona kushandisa mari yakawanda sei mubasa rekurega, iwe uri kuita zvakaipa. Kuverenga kuvhara kwakachengeteka ndeye pfungwa yakanaka, asi haifungi nezvemasarudzo anogona kukura iwe mushure mekubhadhara mutero. Iwe ungangodaro uri kusiya mari patafura uchishandisa chete kurara kwekutsvaga semutungamiri.
Mitero Inobatsira Sei Iwe Unogona Kubvisa?
Funga maererano neshoko rinotsanangurwa uye uone kana zvinonzwisisika kuchinja mamwe magetsi emari kana kuvhara. Chimwe chezvinhu zvikuru zvaunoda kuongorora mukuronga hurongwa hwekurega basa rehupfumi ndehuwandu hwekutevera mitero inowanikwa kwauri pamusoro pemakore ekurega basa.
Semuenzaniso, tsika dzepanyama dzinoti iwe unofanira kunonoka kuregera kubva kuIRA accounts kusvika iwe wava kusvika makore 70 1/2 paunofanira kutanga kutora zvakaderera kugoverwa .
Asi mutemo uyu wegumbo unowanzoipa. Vakawanda vakaroorana-kunyange zvazvo havasi vose-vane mukana wekuwedzera mari yekutora mitero inowanikwa kwavari kuburikidza nokutora zvipo zveIRA nokukurumidza uye kunonoka zuva rokutanga reHindu Social Security. Zvadaro vanogona kuderedza zvavari kubvisa kubva kumabhadhiro ekurega mari apo Social Security inotanga.
Izvi zvinoreva kuti mamwe makore iwe unogona kubvisa zvakawanda kubva kunezvikwereti zvikwereti kupfuura mamwe makore, asi mugumisiro wekupedzisira inowanzova akawanda mushure mekubhadhara mutero.
Nharaunda yekudzoka inobata sei iwe Unogona Kubvisa
Iwe unodawo kupedza nguva yakati uchidzidza mamiriro ekudzoka kwekudzoka kuitira kuti iwe unzwisise kuti chiyero chezvikwereti zvako chichakanganisa sei iwe unogona kubvisa muhutano. Iwe unogona kuwana makore makumi maviri ekudzoka kukuru, kana iwe ungakunda nguva yezvoupfumi apo chido chekuderera chiri pasi uye kudzoka kwezvitoro zviri mumutauro mumwe chete.
Iwe unogona kurwisana nevarombo unodzoka apo iwe uchishandisa hurongwa hwako hwekurega basa rekusiya mari yekufananidza mazvikwereti nechinangwa munguva iyo iwe uchada kuzvishandisa. Somuenzaniso, kana zvichiita kuti zvive nekunzwisisa kutora mari kubva muIRA yako pakutanga, iwe uchada mari yaunoda mumakore mashanu anotevera kuti uiswe muhutano hwakachengeteka . Kune rumwe rutivi, iyo mari ine nguva yakareba yekushandira iwe uye inogona kuiswa mari yakawanda kana chirongwa chako chekuregera chinoratidza kuti zvakakunakira iwe kuti unonoke IRA kurega kusvika kusvika makore 70 1/2.
Iyi nzira yekufananidza zviwanikwa kune nguva yaunenge uchida iyo dzimwe nguva inonzi inoshandiswa nguva .
Ko Kana Iwe Ukarega Kuwanda Kwakawanda?
Zvichave zvakakosha kutarisa kubvisa kwako kurongwa kwepurogiramu yako yepakutanga panguva iyo urongwa hwako hwekuregera hugadzirirwa, uye iwe unoda zvakare kuvandudza hurongwa hwako gore negore.
Kubudisa mari yakawanda nokukurumidza nokukurumidza kunogona kukukonzera matambudziko gare gare.
Tichashandisa muenzaniso waSusan, uyo maitirwo ake akaita zvakanaka zvikuru kuburikidza nemakore ake mashomanana ekutanga. Akaramba achitsvaka mari yakawanda yakawedzerwa mumakore iwayo. Akanyeverwa kuti chirongwa chake chakanga chakaedzwa kune zvose zvakanaka uye zvakaipa zvakaipa zvekutsvaga uye kuti aizoisa pangozi yemari yake yekusangana nekubvisa izvi zvinyorwa zvishoma kare. Mari yekudzoka inopfuura 12 muzana haifaniri kuenda nekusingaperi, saka iye anofanira kunge akabhadhara kudzoka kwakanyanya kuti aite kuti avashandise mumakore apo hupfumi hahuna kufanana.
Asi Susan akatsigira kutora mari yakawanda kunze, uye misika yakaderera makore mashomanana gare gare. Akanga asina mari iyo yakawedzerwa uye iyo nhoroondo dzacho dzakanyanya kupera.
Akapedzisa kurarama pane bhadha rakasimba pane kuva nemamwe "mari" anowedzera.
The Takeaway
Kuongorora kuwanda kwekuti iwe unorega kubhadhara huri kurarama kwenguva yakareba zvakakosha. Iwe unoda kuchengetedza mari yakachengeteka. Kuva nerongwa uye kuenzanisa naro kuchazadzisa chinangwa ichi apo uchipindura mubvunzo wekuti iwe unogona sei kubvisa muhutera. Ita chirongwa chemari yekubvisa mari uye sangana nevanogadzirisa basa rekurega basa kana kuti mutungamiri wemitero uyo anogona kuverenga mushure mekutevedza kwekatevedzeri yekodha yako yekusarura mari yakasarudzwa.