Chikwereti Chekwereta Chevadzidzi Hazvifaniri Kuva Nechido Chokugadzira Chikwereti
Iwe unogona kufunga kuti mutsara unoti "mudzidzi wechikwereti urombo" ndiwo musoro kubva pane imwe mufananidzo paYouTube's College Humor channel. Asi hapana kunyanya kunakidza pamusoro pevashandi vezvemari vanotarisana nevadzidzi vekukoloni nhasi-rekodi yakakwirira iyo yakangosvika pane imwe yakakwirira kana wapedza kuverenga mutsetse uyu.
Chizvarwa mune chikwereti
Chikwereti chemari chikwereti chikwereti paWebAid.com webhusaiti, iyo inozvishandura pachedu mashoma mashoma, yakarurama ikozvino kuvhara pane $ 1.46 trillion.
Kumakoroji ekorovhe anotarisira kuisa mari, iyo migumisiro inotyisa. Kuongororwa kwevadzidzi vanosvika 5 000 varikukoloni yakabudiswa muna 2016 neAllianz Global Assistance kunosvika pakupedzisira: "Urombo hwevadzidzi hwehupfumi" huri chaizvo, uye haugone kupera nokukurumidza. Mushure mekudzidzira, imwe yevadzidzi vana yakashuma isina kuwedzera mari yekushandisa. Vanenge hafu (44,6 muzana) vari kubhadharisa dzidzo yavo-uye vamwe 12 muzana havazivi kunyange kuti vanobhadhara zvakadini.
Iwe haufaniri kutotambudza kubvongodza nhamba idzi: Ingozvitsvaga pane imwe nguva kweminiti. Iye zvino, ona kana iwe uchikwanisa kuziva kuti vadzidzi vekukoroji vanogona kuwana mari ipi yekutsvaga muzvikwata pasina kubata bhajeti risati rashoma ye mac uye cheese.
Ongororo yeAllianz inoratidza kuti yevadzidzi ivavo vane zvikwereti zvevadzidzi uye vanoziva chikamu, 40 muzana inokwana $ 30,000. Izvozvo zvinopesana nezvikwangwani zvakagadzirwa neInstitute for College Access uye Success .
Kune Chikoro cha2014, chikwereti chikoro pamudzidzi mumwe chete akarova $ 28,950 pamunhu anenge akwereta, ane vanomwe pavadzidzi gumi vanobhadhara mari. Mumakore gumi apfuura, chikwereti chechikwereti chevadzidzi chakakwira kaviri muyero wekutengesa; zvidzidzo zvakasimuka zvisinganzwisisiki zvakaenzana zvakadzoka shure kwemakore 40. Nokufungidzira kwakawanda, chikwereti chevadzidzi-chikwata chakange chapfuura $ 30,000.
Nokudaro kuwana chimwe chinhu-chero chinhu-chevadzidzi vekoroji uye vatsva vanopedza kudzidza kuisa mune inofanira kuva chikonzero chisina tariro, chakarurama? Zvakanaka, kwete chaizvo. Ichokwadi, mugwagwa wakasimba kune hoe. Enda kune kuchiremba kana kuchikoro chechikoro, uye chikwereti chako chiye nyore nyore pamusoro pe $ 100,000.
Asi zvichiri kukwanisika kutanga kutumira chikwereti, nyanzvi dzinopikisana. Nhau yekuita kuti ive chinhu chinokosha, kunyange kana kutanga kweko mari yakawanda.
Kutanga Kuduku
Imwe nzira yakakurumbira yekuita izvi iri kuburikidza nekushambadzira kwema smartphone apps zvakadai seAcorns. (Mugadziri wayo, mireniyadhi Jeff Cruttenden, akawirwa nepfungwa iyi achiri mukoroji pachake.) Acorns inotora chero chaunoshandisa kubva kubatanidza chikwereti uye debit card kutenga uye unotenderera kusvika kudii iri pedyo. Iko kuchinja kunowedzera mari mune matanhatu zvakasiyana-siyana zvichienderana nekutsungirira kwengozi. Inonyanya kunyoreswa kune vechidiki varairiro vanononoka nekutengesa dzimba.
Imwe nzira ndeyokutora nzvimbo dzekutsvaga muInternet dzakadai seGoliment. Mufambisi webhusaiti yeJon Stein's inotevera nzira yakarurama iyo iwe unopinda muzera rako uye chimwe chezvikamu zvishanu zvekutsvaga kwekutsvaga (kureva "kuvaka pfuma," uye "kuchengeteka net net"). Izvo zvino inopa mari yacho mubatanidzwa yematokisi uye zvisungo: zvakakwana zvakasiyana-siyana chikwereti chekutsvaga mari yezvikwata 12 zvepasi rese.
"Kuvandudza ipurogiramu yakanaka yevatyairi vechidiki kuti vatange," anodaro David Weliver, akatanga shanduro yeMoneyUnder30, webhupu yemari uye webhupu yekutsvaga kwekutsvaga kwezviuru zvemakore. "Izvo hazvina huwandu hwekutsinhanisa uye zviri nyore kuita zviduku, mari yemwedzi pamari kuburikidza nemari yakakwana."
Itai Kuti Muridzi Wemubatanidzwa Akafanana
Pane imwe nzira yekuongorora zvinhu zvitsva zvakanyatsonaka kuti zviwane zvipo. Kana kana iwe uchida kutarisa kubhakwa, sei izvi? MARI MHURI! Inowanikwa munzvimbo dzakawanda dzekushanda, kunyange kana musikati wekusununguka usingabhadhari.
"Mireniyali ane mabasa anopa 401 (k) mutsara wevashandi anofanira kufambidzana kusvika pamwero unodiwa kuti uwane mutambo wakakwana; izvi zvisingabhadhari mari yekusununguka, "anodaro anowedzera Anthony Criscuolo, gadziri wezvemari anozivikanwa uye mumiririri wemapatotiyo nePalisades Hudson Financial Group's Ft. Lauderdale, Florida ofisi.
Kugadzirisa 401 (k) kana kuti rimwe rekuchengetedza rega (IRA) rinoratidza kukosha kwakakwana kune vashandi vaduku. Hongu, kubhadhara chikwereti chikwereti kunokosha. Asi kuisa mari mari gore rega rega nekuda kwekurega basa, kunyanya kana iwe uchitanga pazera remakore makumi maviri nemashanu kana kupfuura, rinokugadzirisa kuti uwane dendere rinenge riri mukutora basa. Ichokwadi, iwe unogona kutora $ 45 mwedzi mu $ 1 mamiriyoni chete, kana iwe uchiziva mitemo yemakondomu inofarira.
Ngatiti mumwe munhu ane makore makumi maviri nemashanu anotanga kupera pasi $ 45 pamwedzi uye 50% yekambani yemakwikwi. Kana iye achisimudza mupiro nemari yakafanana kana chero ipi yekubhadhara inomuka inogamuchirwa, iye achava nemadhora anodarika $ 1 mamiriyoni kuburikidza nekurega basa-achifunga 3.5 muzana yebhadharo yegore rose uye 8,5 muzana anodzoka pane 401 (k) kuvema.
"Maererano nemushumo wegore ra2014 weAmerica Benefits Council, inenge 80 muzana yevashandi venguva yakazara vanogona kuwana mazano emari ekubhadhara mari," anodaro James Capolongo, mukuru wezvigadzirwa zvemitengo uye mutengo paTD Bank uye iri muGomo Laurel, Idzva Jersey.
Simbisa Bhoti Yako uye Ita Zvauri Kuzvichengeta
Panewo mubvunzo wekusunungura mari-uye hongu, tichakuchengetedza kutaura pamusoro peBigbucks zuva rose. Zvisarudzo zvikurusa, pamwe nediki, zvinogona kusunungura mari, kunyange zvazvo vamwe vane zvakaoma kutarisa. Kana ukasarudza kutora basa muSan Francisco, somuenzaniso, iwe uchazobhadharwa zvimwe-asi iwe uchazobhadhara zvakare mubhadharo. Zvakawanda.
Nhamba dzakanyorwa neRadPad, imba yekutsvaga yeimba yekufambisa uye kubhadhara mupiro wekubhadhara, kuratidza kuti guta reGedhi reHindu rinoda mari dzegoridhe kuti uwane nzvimbo yekuisa chikwama chako.
Vashandi vepamusoro-soro vachapedza 79 muzana yemari yavo yekubhadhara muSan Francisco uye kuNew York, muchapedza 77 muzana yekupinda mahedheni emunharaunda pasina chakanaka: imba imwe yekurara inoenda mutengo wepakati we $ 3,000 pamwedzi .
Kutora basa muAustin, Texas, nekusiyana, zvinongoreva 36 muzana yemari inosvika kune kubhadhara. Uye hapana nguva ichangobva kuitika mupfungwa dzavo dzakanaka ichaenda kunopomera Austin-imwe yenyika huru mumaguta maguta uye musha weSouth neSouthwest music festival-yekuva kunakidza kugara.
Zvimwe zveizvi zvakare zvinoreva nekunyengedza kufunga pamusoro pezvaunenge watova nazvo maererano nehuwandu hwekudzoka. Kana iwe uchitsvaga mutori wenhoroondo kuti uite mitero yako, somuenzaniso, munhu ane ruzivo rwepamusoro uye unyanzvi hwakagadziridzwa anogona kukwanisa kukubvisa iwe mari yakakura, iyo inogona kudarika kubhadhara kuwedzera kwemaawa awa. Uye kana iwe uri munharaunda yekugadzirisa zvikwereti zvevadzidzi pamutengo wechidiki, iwe uri kuisa mari yakawanda zvakare muhomwe yako pamusoro penguva refu.
Wana Dzidzo
Pakupedzisira, pane nguva dzose pfungwa yekuti, zvechokwadi, kudzidzisa iwe pachako.
Guru guru rekutsinhanisa mazano rinowanikwa pose pose paInternet, uye kune, kana iwe uchida, hupfumi hwezvinyorwa zvinozivikanwa. Zvichida iwe haugoni kubhadhara mubatsiri wezvemari vabereki vako vanoshandisa, asi iwe unogona kuverenga bhaibheri rake ... kana kuronga kuti musangano mumwe chete uende pamusoro pemamiriro ako uye ona zvimwe zvinangwa.
"Kunyange zvazvo kubhadhara mari yezano rezvemari kungaratidzika kusingakwanisi kusvika, kunyange vanyori vechidiki vanofanira kunyatsofunga nezvenyaya imwe chete kubvunzurudza nemudzidzisi wemari," Criscuolo anoti. "Sezvo iwe unopa hutano hwako kuna chiremba kana motokari yako kumakanisi, chekuongorora nemari yezvemari inogona kubhadhara pachayo mukugadzira chirongwa chenguva refu yemari."