Kusagadzikana paChikwereti Chekwereta Chevadzidzi Kunogona Kuita Chete Retirement Chinyaradzo
Mudzidzi Mutero Unokwanisika Unogona Kuderedza Zvaunofarira Zvokuchengetedzwa Kwevanhu
Social Security ndiyo chikamu chinokosha chemufananidzo wekusunungurwa kwemamiriyoni eAmerica.
Maererano neSocial Security Administration , mamiriyoni makumi maviri ekubhadhara mari uye mamiriyoni matatu emadzinza avo vakagamuchira Social Security retirement benefits, kubva munaJune 2017. Pakati pevhesi, vakaunganidza mari yepamwedzi ye $ 1,369.
Pasi pose, Social Security inomirira inenge 33 muzana yemari yevakwegura veAmerica, maererano neSSA. Kana uri kubhengi pakukwanisa kubvunza Social Security mazano mukurasi, pane chikonzero chakakosha chekuita kuti ugare uri pamusoro pemari yako yechikwereti chemudzidzi. Kana iwe uchinge uchinge uchinge uchinge wabhadhara kune hurumende yekubhadhara chikwereti, hurumende inogona kuita izvo iwe unokwereta nekugadzirisa yako Social Social benefits .
Mushumo unobva kuHurumende Inofanirwa neHurumende yakawana kuti vanenge 114 000 vakwereta vane makore makumi mashanu nevekare vakange vane Social Security benefits vakawana muna 2015. Inenge madhora 171 mamiriyoni mune chikwereti chemari chikwereti chechikwereti chakakonzerwa kuburikidza neHarare Security offsets.
Pakati pevhesi, gwaro re GAO rakawana kuti uyo akwereta aive nemapfumbamwe emadhora emari yavo yepamwedzi yakabhadharwa, iyo yakawanda yakabvumidzwa neDhebt Collection Improvement Act ya1996.
Kushandisa $ 1,369 mwedzi mushure mekubatsirwa semutungamiri, iyo $ 205 pamwedzi yakabviswa kubva kumusoro kuti idzorere chikwereti chevadzidzi vasina kutora, zvichiunza mari yako yeHindu Security kusvika $ 1,164 pamwedzi.
Kana iwe usina kuchengetedza zvakadai sokunge iwe waifarira mune 401 (k) kana kuti rimwe rega rekubatira mari , iwe unogona kusakwanisa kubhadhara kana uchinge watorwa kubva muHarare Social benefits.
Nzira Yokuchengetedza Mari Yomudzidzi Inoshandiswa Nayo Kubva Kuchengetedza Kushanda Kwako
Chikwereti chemudzidzi chinokanganisa chinowanzova chinowanzoonekwa pakati pevakuru. Maererano neConsumer Financial Protection Bureau , inenge 40 muzana yevashandi vehurumende vanokwereta vane makore makumi matanhatu nemakore makumi maviri vari kure. Pakati pa2005 na2015, nhamba yevanhu vekuAmerica vakura vakanga vane Social Security mazano avo vakachengetedzwa nekuda kwechikwereti chevadzidzi chakasimuka kubva 8 700 kusvika 40,000.
Kana kuchengetedza yako Social Security perspective inokosha, iwe unoda chirongwa chekuchengeta chikwereti chechikwereti chevadzidzi chekuongorora. Nzvimbo yakanaka yekutanga ndeyokuongorora chikwereti chemudzidzi wako chenguva yakaipa.
Tarisa pane bhajeti yako yemwedzi nemwedzi . Iwe uri kubhadhara mari yakawanda sei kumudzidzi wako chikwereti mwedzi mumwe nomumwe? Mari iyo inokwanisika sei? Ungadai uchikwanise kuvabhadhara here paunenge uchirega basa kana imba yako inodhura kana iwe uchizviwana iwe uchibhadhara zvimwe zvekurapa mukutora basa?
Kana uri kutotanga kunzwa pini kubva kune chikwereti chemari chikwereti uye kubhadhara basa richiri makore mashomanana kure, kune zvimwe zvinhu zvishoma zvaunogona kuita kuti urege kuderedza kusanganisa kusina.
Kutanga, iwe unogona kuisa pfungwa pakuderedza zvakare mari yako. Kana iwe uri kushandisa zvishomanana, mari yako yechikwereti yevadzidzi ingasave yakaoma kutarisira.
Kana iwe wakachera zvose zvaunogona, unogona kufunga nezvekuchinja hurongwa hwekubhadhara kwako. Zvirongwa zvekubhadhara mari inobhadhara mari inotora mari yako mukutarisa paunenge uchigadzirisa mutero wako wemwedzi mumwe nomumwe. Kubata ndeyokuti kuenderera kune chirongwa chinopindira mari kuti uwane chikwereti chiduku chinogona kureva kubhadhara pazvikwereti zvako kwenguva refu. Asi, izvo zvingava zvinofadza kupfuura kungofunganya nezvekuti Social Security yako inofanira kuderedzwa nokuti iwe hauna kutora chikwereti chako.
Uye kana iwe uchinge uchingopera, usatye zvakare. Iwe unogona kuramba uchidzivisa kurasikirwa chero ipi zvayo yezvikomborero nekugadzirisa zvikwereti zvako. Kuvandudzwa kunobvumira iwe kugadzirisa zvikwereti zvako kuitira kuti ugone kudzokera zvakare uye kuverenga uye kubuda kunze kwekusiya.
Iwe unobvuma kuita mapfumbamwe pa-nguva mwedzi kubhadhara kwemwedzi gumi. Kana waita izvozvo, iwe hausisiri uye hapana chekugadzirisa zvekuchengetedzwa kwehupfumi kunorega. Iwe unogonawo kukwanisa kusimbisa mari yako yehurumende , iyo inogona kuderedza kusangana kwekuuya kwekutadza zvakare.
Chengetedza Mitsara Yokukurukurirana Yakasununguka Newe Mushumiri Wemari yako
Kana iwe unonetseka nezvekuregererwa kwekwereti yako yevadzidzi - kana izvo zvingati zvinorevei nokuda kwekubvisa kwako-chinhu chakaipisisa chaunogona kuita hapana. Kana iwe uchifunga kuti unogona kunge uri pangozi yekuwisira shure zvakanyanya pamari yako yaunotora chikwereti, svika kune chikwereti chako servicer munguva pfupi kupfuura mberi. Vanogona kupa zvikwereti zvekutarisira zvikwereti zvako munguva shoma kana kuti kwenguva refu kuitira kuti unakidzwe nemakore ako gare gare usingabhadhari yako Social Security mazano.