Kurasirwa Kwemitero Kushanda Kuderedza Mari Yemutero Iwe Owe
Kubviswa kwemitero ndiko kunowanzoguma nemamwe mabhizimusi ane chokuita nemari, asi iyo imwe nzira iyo hurumende inokurudzira kuti vanhu vabatanidzwe mumabasa ane huwandu hwemagariro evanhu. Mimwe mimwe mienzaniso inosanganisira kuita zvipo zvezvipo, kusarudza kune dzimwe nzvimbo dzakasununguka dzekutenga, uye kunyange kuchengetedza basa rekurega basa.
Zvinorevei Kana Chimwe Chinhu Chiri Kubhadhara Mutero?
Kana chimwe chinhu chiri kubhadhara mutero (kana kuti mutero-deductible), zvinogona kuderedza mari yako yemutero kubhadhara mari yako inotengesa (inozivikanwawo seyo yako yakagadziriswa mari yakawanda kana AGI). Vanhu vazhinji vanofunga kubhadhara mitero semhando inoshandiswa chete nevapfumi uye vanozivikanwa, asi vakanganisa. Muzvokwadi, kune zvakawanda zvekubhadhara mutero zvinowanikwa kumhuri yepakati-uye yepamusoro-pfuma. Zvimwe zvinowanzodiwa zvekutora zvinhu zvitsva ndezvimwe zvikwereti zvemishonga yemishuwarenzi yehutano, zvipo zvezvipo uye zvipo, uye kubhadhara chikwereti kana kuti chikwereti chechikwereti chemudzidzi.
Chero kana kwete mari inoshandiswa mutero inozopedzisira inoderedza mutero wemari yaunowana iwe unofanirwa pane zvimwe zvinhu. Chikuru chikuru chekubhadhara mutero ndechokuti mubhadhari anosarudza kutora mutengo wakatarwa kana kuti kutemesa zvabviswa.
Pamusoro pezvinangwa zvekushandira basa, zvakadaro, kana chimwe chinhu chiri mutero chinodhakwa uye iwe unotora mari inoshandiswa, unogona kuchengetedza pamutero wako wemari.
Izvo hazvina kubviswa kwekusarudzwa kwemabasa ekurasikirwa kunofungidzirwa kubviswa kwacho .
Ndeupi musiyano pakati peKubhadhara Imitero uye Tax Tax?
Zvose zvinokonzerwa nemitero uye mvumo yemitero zvinogona kuderedza mutero wako wemutero, asi vanozviita nenzira dzakasiyana. Sezvakataurwa pamusoro apa, kubviswa kwemitero kunogona kuderedza mari yako yemutero kubhadhara mari inowanikwa inowanikwa pamitero. Sezvo zvakadaro, kuderedzwa kwemitero yakakwereta inofanana nehuwandu hwehuwandu hwaunazvo mukutora mitero nguva yako yemutero mutero. Imwe chikwereti chemitero, kune rumwe rutivi, inoderedza zvakananga mitero yemari yaunowana iwe inokwereta dollar-ye-dollar. Sezvo zvakadaro, kukoshesa mutero kune zvakakosha zvikuru, asiwo zvishoma zvishoma.
Mitero yekubhadhara mitero inoderedza mitero yemutero mushure mekunge mutero wako watotarirwa, izvo zvinoita kuti vave chinhu chakasimba chekuburutsa mutero wako. Tarisa peji ino kuti uwane mamwe mashoko pamusoro pemari yeruzhinji yemari.
Asi izvi hazvirevi kuti kutora mutero hakusi kukosha. Kana yakashandiswa nekuchenjera, haigoni kungokuponesa mari pamutero wako wose, asi inogona kukubatsira iwe kubhadhara mari yako yekurega.
Ndezvipi Mienzaniso Yekugara Kwemari-Inosangana Imitoro Inobviswa?
Iko inowanzobviswa pakugadziriswa kwemutero kunobhadhara mutero ndeyezvipo zvepamberi yeRA.
Kana ukasangana nemamwe mitsara yemari, mupiro wako kune imwe tsika yeRA inobhadhara mutero uye, saka, inokuchengetedza mari pamitero yako. Iwe unogona kutora ichi kubviswa pamutero wako wekubhadhara.
Mari yeAalth Savings ingabhadhara sei mari yako inotengesa?
Nhepfenyuro dzehutano dzehutano (HSA) ndiyo zvirongwa zvekuchengetwa kwemitero zvinobvisa mari inobvumira munhu kuchengetedza mari isati yabhadhara kuti iwane hutano hwemari mune remangwana. Chimwe chikomborero chekubhadhara mutero kune zvipo zveHSA ndezvokuti haufaniri kutora zvitsva zvekuda kubhadhara. Nezvinangwa zvemitero, mipiro yeHSA inofungidzirwa iri pamusoro pekuderedzwa kwemutsara. Izvi zvinoreva kuti vanogona kubatsira kubatsira kuderedza mari yako yakagadziriswa yakawanda (AGI) uye zvingakubatsira kukubatsira kuti uwane mamwe madhauriro emitero uye zvikwereti zvinowanikwa mari. HSAs inopa nzira yakanakisisa yekuchengetedza kubhadhara nekuti hapana zvikwereti zvekushandisa aya maakare ezvisiri zvekurapa mari kana iwe ukazosvika makore 65.
HSA kuregera kunenge kusingabhadhara mutero chero bedzi mari inoshandiswa kuribhadhara mari yekurapa yakakodzera.
Ndezvipo kune 401 (k) Kuronga Mutero Wakabviswa?
Mukuwedzera pakuwana kubhadhara mutero kwekupa kune imwe tsika yeIRA, zvipo kune vashandi-vanoridzirwa basa rekurega basa semakore 401 (k) zvirongwa zvinowanikwawo mutero. Kusiyana nemupiro weIRA, zvisinei, sezvo yako 401 (k) zvipo zvinowanzobviswa kubva mubhadharo yako isati yatorerwa kubhadhara mitero, iwe unogamuchira mari yekubhadhara mberi. Sezvo zvipo izvi zvichibviswa kubva pamitero yako inobhadharwa inoshushwa kwauri uye IRS paFomu W2, haugoni kubvisa 401 (k) zvipo zvakare pamutero wako wekudzokera.