Chii Chiri Kuitika Nehupfumi Hwevanhu?
Chinhu chakaoma neSocial Security system ndechekuti ichava nenguva yakaoma zvikuru yekupfuurira mari yekurega basa kwemakore sezvo vakawanda vakakura vashandi vekushanda vanoenda kunopedza basa. Izvi zvinoreva kuti zvikomborero zvinogona kugadziriswa kubatsira kubatsira mari yakawanda. Zera rokutanga kudhonza pa Social Security rakatochinja, sezvine mari inobhadharwa mwedzi mumwe nomumwe. Kuchengetedzwa kwehupfumi kunogona kupfuurira kusvikira iwe uchisimuka, asi panguva ino, zvakaoma kuziva zvakanaka zvipi zvichange zviripo uye panguva yauchakwanise kuwana nadzo. Iwe unofanirwa kubhadhara kutarisa kunoitwa kuSocial Security system sezvo shanduko inogona kukanganisa kubhadhara kwako.
Iwe uchagamuchira ruzivo rweSocial Security makore ose mashanu achazonyora kukosha kwako kunofungidzirwa kwemazuva ose, pamwe nekubatsira kune wako wako kana vana kana iwe uchizopfuura, uye mari yaungagamuchira kana wakave wakagadzikana.
Mari iyo yaunofunga gore roga roga uye nhamba yemakore yaunopa nayo muitiro inogona kuchinjawo mari yauchawana. Iwe unofanirwa kuwana gwaro iri kwemakore mashanu kubva pazera remakore makumi maviri nemashanu. Iwe unofanirwa kubhadhara kune zvinyorwa zvakatongwa uye nhepfenyuro inoshanduka gore negore.
Ndinofanira Kuvimba Nezvokuchengeteka Kwevanhu Sezvimwe Chekugara Kwangu Here?
Panguva ino, haisi kuve sarudzo yakanaka yekuvimba neSocial Security senzira yekutanga yekubhadhara mari yako yekurega. Kunyange iye zvino vakawanda vakwegura vari kurarama chete muHurumende yeHurumende yekutarisira vane nguva yakaoma yekugadzirisa zvigaro. Kana iwe uchida kuenda kumusha zvakanaka, unofanirwa kuchengetedza kubhadhara kunze kweSocial Security system. Iwe unogona kusanganisira yako Social Security sechikamu chemari yakawanda yauri kuenda kuzochengeta kana kuitarisa semari yemari inogona kuvapo apo iwe unotora basa.
Ndinofanira Kuronga Sei Kurasikirwa?
Nzira iri nyore yekudzivirira kubhadhara ndeyokushanda nzira yako kusvika pakuponesa 15 kubva muzana yemari yako yekusunungurwa gore negore. Izvi zvinosanganisira mubhizimusi wako musikana kana iwe uine imwe. Iwe unogona kuisa muurongwa hwekubvisa basa kuburikidza nebasa rako, iro rinogona kunge riri 401 (k) kana 403 (b) . Iwe unofanirwa kutenga mari yako kusvika kumushandi wako. Mushure maizvozvi, iwe unogona kuda kuita Roth IRA . IRoth IRA ichabuda ichitevera mitero, asi iwe haugoni kubhadhara mitero paunenge wabviswa paunosvika makore ekurega basa. Izvi zvinoreva kuti iwe unogona kunge usina mari mubhadharo sezvo zvipo zvako zvichange zvisingasviki pane zvaunotora. Iko mari yakawanda yaunogona kupa mu 2017 i $ 5,500.
Izvi zvinenge madhora 458 pamwedzi. Kana uchinge wanyanyisa izvi, iwe unogona kukwanisa kuwandisa mari yaunopa iwe 401 (k) kusvikira wawana chinangwa che 15%.
Ko Kana Ndichida Kubvisa Pamberi?
Kana iwe uchida kuronga kubvisa pamba, iwe uchada kuchengetedza kubhadhara kunze kwenyaya dzako dzekuchengetedza mari. Iwe haugoni kukwevera paSocial Security yako kusvikira uchisvika kumakore ekurasikirwa kwepamutemo asi iye zvino kune vanhu vakaberekwa mushure me1960. Haukwanise kubvisa mari kubva kumakosheni ako ekurega basa kusvikira wava 59 ½. Kuchengetedza kubhadhara kunze kwemakambani ako ekurega basa kuchakubvumira kuti usiye kushanda pane imwe nguva yapfuura. Inobatsira kutaurirana nemudzidzisi wezvemari kuti aone nzira yakanakisisa yekuisa mari kuitira kuti iwe ugone kuunza mari yakawanda yekurega mari pane imwe nguva yekare uye uone kuti iwe unoda zvakadini kuti usiye nezera rakasiyana.
Sei Ndichifanira Kuramba Ndichibhadhara MuHurumende Kudzivirira?
Iwe unobvumirwa nemutemo kubhadhara Social Security. Uyezve, Social Social Security ichabatsira vanhu vakafa nevabereki kana vakaremara uye vasingakwanisi kushanda. Zvinogona kukanganisa kubhadhara muhurongwa husingakubhadhara iwe nenzira yakafanana iyo iye zvino iye asi asiri kubatsira vanhu vanohuda. Uyezve, vanhu vakawanda avo vari parizvino vakasiya basa vanovimba neHuman Security sevanonyanya kukohwa. Kunyangwe kana zvikomborero zvichishandurwa usati wasvika kumakore ekurasikirwa, uri kubatsira vanhu avo vanoda rubatsiro rwenyu.
Iwe unogona zvakare kutarisa Social Security sekubatsira kunogona kuderedza mari yaunoda kubatsira kutsigira vabereki vako sezvavanokura . Iyo Social Security inobatsira inogona kuvabatsira kuchengeta zvimwe zvezvavanoshandisa. Iyo Medicare inobatsira inogona kubatsira kuvhara utano hwavo hwehutano sezvavanokura. Izvi zvichakupa mari yakawedzerwa yaungashandisa kuchengetedza kubhadhara kwako. Vabereki vako vanogona kuramba vachivimba neSocial Security system apo iwe une nguva yekuchengetedza uye kuronga pasina kuvimba nayo zvakanyanya nokuda kwekubvisa kwako.
Ndezvipi Zvimwe Zvikomborero Zviripo kuburikidza neSocial Security Program?
Medicare ndiyo imwe mhindu iyo iwe ungatora mukana kana iwe ukarega. Medicare inogona kushandiswa pamwe chete nehutano uhu inshuwarisi, kunyange zvazvo vamwe vanhu vanovimba nayo sehutano hwavo hwehutano inshuwarisi. Medicare inogona kukubatsira kuti uite nehuwandu hwehutano hwehutano hunouya kana uchiri kuyaruka. Ichokwadi, izvi zvingava chikamu chikuru chemari yako yemwedzi uye Medicare inogona kubatsira kuchengetedza mari idzi pasi. Iwe unogona kutarisa mune dzimwe sarudzo dzeinishuwarenzi dzakadai sekuremara kana kuti yenguva yakareba inshurensi yekuchengetedza kunyanya kana kuora mwoyo kana zvimwe zvirwere zvinotanga mumhuri yako. Izvi zvinowanzomiririra kusvikira wava pedyo nekupedza basa mumakore ako makumi mana kana makumi mashanu.