Kazhinji Basa Rekugara

Chirongwa Chekugara Muhurongwa Ndiyo Zuva Rinofanira Kusarudzwa Rinozadza Kuwana Zvizere Zvikomborero

Tinonzwa zvakawanda zvinotaura nezve "zvakasununguka" zvekurega basa. Asi chii, chaizvoizvo, chakajairika? Mazuva ano, kunyange yezera rechirwere chekurega basa rakaoma kutsanangura. Vamwe vanhu vanoritora zvakapfuma zvakakwana kuti varege kushanda vasati vava nemakore makumi mashanu, vamwe vakaturika muupenyu hwavo hwekushanda zvakanaka mumakore makumi masere. Kana iwe uine chirongwa chepasheni rega rega, nguva yakasununguka yekurega basa inowanzoverengwa sekubatanidzwa kwezera nemakore ekushanda.

Asi nokuda kwerongwa rukuru uye rwandakagara rwenhepfenyuro, Social Security, kodzero yezvizere zvakakwana inogadzirirwa zvikuru nezera. Mune mamwe mazwi: "Iwe unofanira kunge uri muduku uyu kuti uve wakajairika."

Asi iyo ndiyo chikamu chinonyengera. Hakuchina imwe yakagadzwa. Social Security's retirement retirement age rinowanzoita sarudzo, iyo inopesana nezuva rokuzvarwa. Inogona kubva kune vanhu vakaberekerwa muna 1937 kana kare, avo vane nguva yakazara yekusununguka kwemakore 65, kuvanhu vanozvarwa pakati paJanu 2, 1943 naJan. 1, 1955, vanowana zvikomborero zvakakwana pazera remakore makumi matanhatu nemana, kune avo vakazvarwa muna 1960 kana gare gare avo vanofanira kumirira kusvikira vadzoka 67. The Social Security Administration inotaura nezvemazuva akare ekurega basa nemusi wekuberekwa pawebsite yavo.

Kazhinji Kushanda Kwemakore uye Social Security

Zuva rako rekurega basa rechikoro rinokosha apo uchitsvaga Social Security nekuda kwezvikonzero zvishoma: Usati wasvika pachirwere chekugara muhurumende, maropafadzo ako achaderedzwa. Mushure mokunge iwe wava kusvika kuchizvarwa chekugara muhurumende, zvikomborero zvako zvichawedzera kusvikira makore makumi manomwe apo mwedzi wako wekubhadhara mari inomira kuwedzera.

Nguva yako inobatsira kuona chiyero chemari yako yaunobhadhara pamwedzi, uye inokubvumira kuziva kana iwe uchatongerwa kubhadhara mubhadharo apo iwe unobatsirwa.

Iwe unogona kuwana kuongororwa nokukurumidza kwezvinhu zvamunobhadhara mwedzi imwe neimwe, zvichienderana nezera rako uye mari yazvino, kuburikidza neSocial Security Administration yechirongwa chekugara retirement calculator.

Mwedzi Unobatsira Zvikomborero uye Zvose Zvokugara Muhurumende

Sezvo urongwa hwacho huripo, munhu wose anogona kutanga kutora Social Security zvinyorwa pazera remakore makumi matanhatu kana makumi matatu gare gare pasinei nezera ravo rechirwere chekurega basa. Asi kubhadhara kwemwedzi kunopedzisira kugadziriswa kuitira kuti vanhu vasarambe vachienda kumusha zvichienderana nechekure kure nezera ravo rekugara muhurumende uripo paunotanga kuunganidza. Vaya vanotanga pazera remakore makumi matanhatu vanogona kuona kuderedzwa kwezvikwereti zvinodarika 30 muzana, maererano neSocial Security Administration.

Kusiyana naizvozvo, avo vanomirira kusvikira mushure mezera ravo rekushandira mari yakazara kuti vawane zvikwereti vanogona kukwaniswa kuwedzerwa pamwedzi pamwedzi. Makore amunomiririra anoshandura mune chimwe chinhu chinonzi kunonoka kubhadhara mari , iyo inogona kukudziridza mari yako (pamwe chete nemudzimai anoramba aripo). Iwe unogona kuverenga zvinogona kuitika kana iwe ukatanga kuunganidza kare kana nguva yekupedzisira paWebsite Security website.

Kushanda Murairo Usati Wagara Uchigara Mubasa

Kana iwe uchiti Social Social benefits mushure mekugara kwemakore ekurega basa, mari yacho yose ndeyako. Asi kana iwe uchitaura usati wasvika makore ekugara, iwe unogona kubhadhara chikwereti zvichienderana nemari yaunowana kutozosvika makore ose ekurega basa. Muna 2017, iwe ucharasikirwa ne $ 1 muzvikwereti zve $ 2 muhomwe iwe unowana mari inodarika $ 16,920 pagore kusvikira mwedzi waunosvika kumakore ekugara muhurumende.

Vagamuchira vanogona kusunungura $ 1 ye $ 3 yose muhomwe yakagadzirirwa kudarika $ 44,880 muna 2017.

Ona Kuti Basa Rinobatsira sei Social Security Benefits kuti uwane mamwe mashoko.

Kuti uwane zvakanakisisa zvehutano hwako hwe Social Security , teerera nguva yako yekurega basa (uye yeyewakaroorana naye) uye ugadzire urongwa hunonyanya kukosha kwenguva refu.

Zvimwe Zvikamu zveNhepfenyuro Yakasara Yokugara

Mhedziso yezera rinowanzopedza basa rinoshanda zvakare kune zvirongwa zvepenjeni. Maererano nemitemo nemirairo yeRS, purogiramu yepensheni inogona kubhadharisa kune mumwe munhu anenge ava nemakore makumi matanhatu nemakumi matanhatu kana kupfuura kunyange kana muiti wacho asina kuparadzana nebasa. Mitemo ine chokuita nepane chirongwa chechechi chakareruka chinogamuchirwa chekugara muhurumende ine gara rakachengeteka rine makore 62.

Zvirongwa zvinorondedzerwa zvibvumirano zvinowanzoverengera kubhadhara mari yekubvisa mari inobva kune annuities inotanga nemakore 65.

Kunze kwekunge mumwe musarudzo akasarudza zvimwe, zvikwereti pasi pegadziriro yakakodzera zvinofanira kutanga mukati memazuva makumi matanhatu mushure mekuvhara kwegore rekugadzirisa gore iro muiti:

1. kutendeuka 65 (kana chirongwa chekugara kwenguva refu, kana pakutanga);
2. kunopedza makore gumi ekuronga kupinda; kana
3. inogumisa basa nemushandi.

Imwe yezera inokosha yekuteerera ndeye 59 1/2, iyo inguva yaunogona kutora chirango-kusununguka kusununguka kubva kumitero-yakabhadhara kero dzakadai se 401ks neIRAs. Kana iwe wakatotora mararamiro iwe unogonawo kutora chirango chisina kubhadhara kubva pane chirongwa che 401k pazera remakore 55 nekuda kwekuparadzaniswa kwebasa.

Sezvo iwe unogona kunge uchiona tsanangudzo yezera re "kugara" rinoshandiswa rinoshanda chaizvo panguva uye sei iwe unogona kuwana maitiro akasiyana-siyana emakambani ekurega basa. Nhasi muvhareji wekusununguka kwemakore ndeye 64 kwevarume uye 62 nevakadzi. Asi tsanangudzo yako yezvakanaka inogona kusiyana uye inonyanya yose inouya kusvika apo iwe wagadzirira.

Yakarongwa naScott Spann

Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete, uye hazvifaniri kuva chikonzero chekugadzirira kwako, mutero kana kusarudzwa kwekutsvaga. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.