Izvo zvinoshandiswa kubhadhara zvivako zvekumba zvingasave zvakajeka sezvazvinoratidzika
Chokwadi chaicho vs. Theory
Panofungidzira, rudzi rwakanaka rwekuvakwa kwemaimba inogona kuva mari yakanaka, kunyanya kana iwe uchitaura nezvekwanisiro iyo inoshandisa kushandiswa kwemitengo yakabatanidzwa.
Uye, zvechokwadi, kukosha kukuru ndeyekuti iwe unoshandisa kushandisa mari yomumwe munhu kuti ubhadhara chivako uye kuunganidza pfuma.
Asi chokwadi haisi nguva dzose inoratidzira pfungwa. Somuenzaniso, ngatitii iwe unoda kutenga manaplex. Iwe unounganidza mashoko ose anokosha, zvinhu zvakadai sokutenga mutengo, kubhadhara mari, kubhadhara mari, kugadzirisa mari yaunofanira kuisa mauri mberi, mitero yematoro, inofungidzirwa gore negore yekugadzirisa mari, uye inotarisirwa kuwanikwa. Zvino iwe unowedzera muhutano hwemhizha hunotarisirwa uye humwe mari inogona kukura.
Kusiyanisa izvi zvose nemhando ipi zvayo inogona kubhadhara mutero iyo inogona kukupa. Tambanudza nhamba kuburikidza nespredishiti saka iwe unogona kuona mhedzisiro ipi zvayo yekutora mitero yematoro iwe unogona kukwanisa kushandisa. Pepaneteti inofanira kusanganisira bhakisi yako yemitero uye kukwanisa kwako kushandisa chero mari yekurasikirwa yakabhenekera kubvisa mamwe mari.
Kutora Imba Chekutengesa Mutero Kunotsvaga Basics
Paunenge uine dzimba yepamusoro, iwe unogona kuderedza zvinhu, uye izvi zvinokonzera kurasikirwa kubva pamitero yakawanda kakawanda pane kwete, kunyange kana mari yako yokubhadhara inoshandisa mari yose.
Kurasikirwa uku kunowanzotumidzwa sekubhadhara mutero wekutengesa pfuma. Kunyangwe iwe unokwanisa chaizvo kuishandisa iko zvichienderana nekuwanda kwemamwe mari yaunayo.
Kana uchinge uine mari shoma shoma, kurasikirwa hakukubatsiri zvakawanda. Uye kana uine mari yakawanda yekubhadhara- $ 150 000 kana kupfuura kana iwe usina kuroorwa sewe 2017-hauna kubvumirwa kushandisa kurasikirwa, Zvibvumirano zvinoshandiswa maererano nehuwandu hwekurasikirwa unogona kutora kana iwe shanduko yakashandurwa mari yakawandisa inowira pakati pe $ 100,000 uye $ 150,000.
Iyi nhamba inoshanda kune vasina kuroorwa uye mutungamiriri wevateresi vemhuri, pamwe nevaya vakaroorana uye vachiisa pamwe chete. Dzvitsai hafu kana iwe wakaroora uye uchitora kudzoka zvakasiyana.
Kana iwe ukawira pane imwe nzvimbo pakati pemiganhu iyi, kubvisa mutero kunokonzerwa nekugadzira chikamu chekuvakirwa pfuma kunogona kubatsira.
Iye zvino ngatitii zvinotora iwe nguva yakareba kudarika zvaunotarisirwa kuti uwane pfuma yekugadzirira-yakagadzirirwa chimiro. Uyezve, zvinowanzoitika kuti mari iyo iwe unogona kutengesa inenge isingasviki pane yakataurwa nemukuru wako kuti vaizove. Iwe ungangodaro wakazvipira zvimwe zvezviitiko zvekutsvaga iwe wakaverenga, asi iwe unenge uchinzwa sekuda kutenga chivako chakanga chisina kufamba kwakadaro shure kwezvose.
Asi iwe wakasikwa mutero wakakununura kubva pa $ 4,000 kuenda ku $ 5,000 mumitero. Iko mari chaiye ingadai yakabhadharwa ku IRS mugore razvino kuitira kuti iyanise kunze.
Kubhadhara Mutero Kunobata Zvimwe Zvokugadzirisa Kuronga
Zvaunosarudza kuita mari mune imwe chikamu chehupenyu hwako, sekutenga mari yekushandisa mari, zvinogona kukanganisa zvaunoita mune dzimwe nzvimbo dzehupenyu hwako, zvakadai sekutsvaga mune 401 (k) kana Roth IRA. Kana iwe ukaona $ 4,000 kusvika $ 5,000 mumutero wekusungirwa, uye zvimwe zvinhu zvose zvakaenzana, unofanira here kuwedzera 401 (k) zvipo?
Kwete hazvo. Nokuda kwekurasikirwa kwekurenda uye zvimwe zvakakonzerwa, mutero wako unobhadhara unogona kunge uchimhanya anenge 15 muzana. Izvo zvingasave zvine musoro kuisa mari yakabhadhara mukati mako 401 (k) urongwa hwokuchengetedza 15 muzana chete, uye zvichida kubhadhara mutero wepamusoro mutengo wemakore gumi mumugwagwa apo iwe uchibvisa mari yacho. A Roth IRA mupiro unoita kuti unzwisise mune izvi.
Iva nechokwadi chokuti iwe unotora nguva yekudzidza uye kunzwisisa mitemo yese uye maitiro ekutora mamiriro ako emutero, uye / kana kukaripira mutariri wezvemari anokwanisa iwe usati waenda uye unotora icho chivako chekubhadhara-uye kunyange mushure mokunge uchitanga kurasikirwa nematambudziko ekubhadhara mutero.