Ko Mubereki Anogona Kubvisa Chikwereti Chobhadhara Chevadzidzi?

Kubvisa Chikwereti cheMari yevadzidzi Pamitero Yako Inogona Kukuchengetedza Mari

Kunyange zvazvo vakawanda vanobhadhara chikwereti kumunhu mumwe nomumwe chikwereti hachisi mutero wakabviswa, hurumende yakaita chikamu kune chikwereti chemari yevadzidzi. Kubviswa kwacho kunogona kuderedza mari yako inobhadharwa nezviuru, zvichienderana nemamiriro ako ezvinhu.

Mhedziso yeDhiyabhorosi yekubhadhara chikwereti:

Mutoro Wechikoro Chekuita Nhauriro Inobvumira munhu kubvisa chikwerero chipi zvacho chaicho chaicho chabhadhara, kwete kungowanikwa, pachikwereti chevadzidzi panguva yegore remwedzi, chero bedzi mamwe mamiriro ezvinhu akazadziswa.

Izvo zvakanyanya kuderedzwa ndeye $ 2 500 uye zvinotarisana nemiganhu yekuwana mari.

Iyi kubviswa ndeyechokwadi "pamusoro pezera" kugadziriswa, zvinoreva kuti haufaniri kuitisa zvimwe zvekudzvora kuti uwane. Mune mamwe mazwi, unogona kutora kushandiswa kwemazuva ose uye uchiri kutora chikwereti chako chechikwereti chemudzidzi .

Kukodzera Kubatsira:

Izvo zvakakonzerwa zvinoda kushandiswa kwemafuta akaoma, asi chikonzero chekutanga chiri nyore. Muchidimbu, iwe unogona kungotora chikamu chemari yekubhadhara chikwereti chinomiririra kufarira.

Chero mari ipi zvayo inofanira kubhadharwa mberi kuti inogamuchira chikwereti, sekubhadhara mari yepakutanga , inogona kuderedzwa pamusoro pehupenyu hwechikwereti.

Mimwe mhando dzezvikwereti hazvikodzeri kuti Dhiyabhorosi Inoshandiswa Kwokubhadhara Chido. Izvi zvinosanganisira chikwereti chatorwa kubva pane chirongwa chakagadzirisa sa 401K kana 403b uye zvikwereti zvakaitwa pakati pemasangano akabatanidzwa. Somuenzaniso, kana sekuru vako vakakupa chikwereti chemari yako yezvedzidzo, chikwereti chechikwereti hachizove chekubhadhara mutero.

Uyezve, mari yakagamuchirwa chikwereti inofanira kushandiswa chete mukirasi, nzvimbo, bhodhi, mabhuku kana mari.

Zvibvumirano:

Zvose izvi zvinotevera zvinofanira kuva zvechokwadi kune chikwereti chechido chekufungidzirwa kubviswa:

• Nzvimbo yako yekutsvaga musati Yaroora Kuwana Zvimwe .
• Hapana mumwe munhu anogona kukupa iwe sekusununguka pamutero wake wekudzokera.

• Iwe unobvumirwa nemutemo kubhadhara chikwereti pane chikwereti chemudzidzi .
• Iwe wakabhadhara chikwereti ichocho. Kuwedzerwa kwechido pane yako reyeri iwe pachako hakubvumi.

Chimwe chezvinonyanya kufungidzirwa pamusoro pechirongwa chekubhadhara chikwereti chekubhadhara chikoro ndechekuti mubereki anogona kuzvitaura nokuda kwekubatsira kubhadhara chikwereti chemwana wavo. Chaizvoizvo, izvo hazvisizvo. Mubereki anogona kungotora kuderedzwa kana ivo pachavo vaine chikwereti chechikwereti ichocho. Izvi zvinoreva kuti Stafford , Perkins , uye PLUS Dhigirii yemari chikwereti hazvizogadziriswa kumubereki sezvo mudzidzi ari akakwereta.

Mari Inowanikwa-Outs:

Mutengo Wechikwereti Wechikwereti Kuchengetedzwa kunoderedzwa (kana kuti "kubudiswa") kune vateresi vane dzimwe dzimba dzeGadziriro Yakagadziriswa Gross Revenue (MAGI) .

Kune vateresi vanotaura kuti Mumwe chete, Musoro weMhuri , kana Chirikadzi (er) chimiro:

• $ 59,999 (MAGI) kana zvishoma- Kubviswa zvakakwana kunobvumirwa.
• $ 60,000 - 74,999 (MAGI) - Kubviswa zvishoma kunobvumirwa.
• $ 75,000 (MAGI) kana zvimwe- Hapana kuderedzwa kunobvumirwa.

Kune vateresi vanotaura kuti Vakaroorana Vanowedzera Jointly chimiro:

• $ 119,999 (MAGI) kana zvishoma- Kubviswa zvakakwana kunobvumirwa.
• $ 120,000 - $ 149,999 (MAGI) - Kubviswa zvishoma kunobvumirwa.
• $ 150,000 kana kupfuura - Hapana kubhadhara kunobvumirwa.

Kurongeka Neimwe Mitero Yemitero:

Rudzi Rwokubhadhara Mari Rwokubhadhara Rudzidzi runogona kutorwa mugore rimwe chete seTariro Scholarship uye Lifetime Learning Tax Credits.

Pane "kutonga kaviri" mutemo, zvisinei, izvo zvinorambidza kubvisa chikamu kaviri kana ichikwanisa kuwana rudzi rwakasiyana rwekuderedzwa.