Haisi chakavanzika chokuti zviuru zvemakore vane chikwereti. Zvechokwadi, zviuru zvemamiriyoni zvinokonzera $ 1.1 triliyoni ye $ 3.6 triliyoni chikwereti chevatengi muUnited States
Chikamu chikuru ichocho? Chikwereti chemari chikwereti. Mukati mechizvarwa chezviuru zvemakore chete, chikwereti chemari chikwereti chevakadzi chikakapetwa kaviri, uye avhareji yemireniyoni akapedza chikoro chemadhora makumi matatu nemakumi matatu emadhora emudzidzi chikwereti. Wedzera kune iyo imba inosimudza mari, mari shoma, uye kunyanya kuvimba nekushumira kwezvinhu zvakadai sekufambisa uye kuvaraidzwa, uye icho chaunacho chiri chizvarwa chakakosha zvikuru zvakadaro.
Izvi ndizvo zvinokonzera chikwereti chemireniyadhi-uye kuti vanogona sei kubva mazviri.
Chikwereti Chekwereta Chevadzidzi
Chikwereti chemari chikwereti chikamu chikamu chikuru chemireniyadhi yemari chikwereti, zvekuti 34 muzana yemakumi emakore anosvika $ 75,000 vanoti vanopokana kuti vachazombokwanisa kubhadhara chikwereti chemudzidzi wavo. Vamwe vanocherechedza kuti kuva nechikwereti (kunyange chikwereti chikwereti chevadzidzi) chinopfuura $ 25,000 chinogona kukanganisa zvikuru kufara kwomunhu.
Zvidzidzo zvakare zvakaratidza kuti chikwereti chemari chikwereti chikoro chikuru chekudzikisa pamba yevabereki pakati pezviuru zvemakore.
Kutanga Mishawa
Pair achikwereta chikwereti chechikwereti chevadzidzi nekuderedza misha miri, uye une chimwe chikonzero chikonzero chekuti nei zviuru zvemakore zvakasungirwa chikwereti chakadaro. Ivhareji yemireniyadhi yemari yakangopfuura madhora 35 000 muna 2017, vanenge 20 muzana pasi peBheom Boomers vakaita panguva iyoyo (yakagadziriswa.)
Kukanganisa kweGig Economy
Izvo zvinonzi gig yehupfumi inenge ichizara-uye inofungidzirwa kuti anenge 20 kusvika ku30 muzana yevashandi vanotora chikamu mubasa rokuzvidzivirira basa.
Mireniyadhi hazvisi izvozvi kune izvozvi. Kunyange zvazvo izvi zvingava sarudzo huru kune avo vane dambudziko rokuwana basa rekugara kwenguva refu, kana avo avo vangasarudza kushanda gighi senzira senzira yekutsigira imwe chido chekuda kana kuti yebhizimisi, haisi kunze kwekuwisira kwayo.
Vakawanda, kana kwete vose, gigs hazvipi kupa zvikwereti zvemabasa epamberi semushuwarisi wehutano, mapurogiramu ekuchengetedza mari, kubhadhara kurwara kana kuti kuberekwa kwekumuka, kana zvimwe zvinowanikwa semari yekubhadhara chikoro kana mabiko ekusununguka.
Kunyange zvazvo izvi zvingaita semari shoma yekubhadhara rusununguko rwekutsvaka ruchiva rwevamwe pavanenge vachibhadhara zvikwereti, vanogona kukudhurai nguva yakareba.
Kuinamatira Kuzvikwereti zvevadzidzi
Kunyange zvazvo maonero angaita seakakosha kune zviuru zvemakore, pane tariro. Vazhinji vane zviuru zvemakore vari kurwisana nemukwereti wechikwereti wechikoro vanokodzera kubhadharwa mari yekugadzirisa maererano nemari yemazuva ano, iyo inogona kuvabatsira kuchengetedza mari yakajeka yebhajiti kusvikira vakwanisa kuwedzera simba ravo rekuwana.
Mabasa mazhinji anopawo hurumende yekweretesi chikwereti chemushure mushure mehuwandu hwemakore, pasinei nemari inokweretwa. Aya ndiwo mazano makuru kune avo vanonetseka nemari yechikwereti chemudzidzi.
Kuwana Budget Inoshamisa
Paunenge uchibata chikwereti kwenguva pfupi sechikwereti chikwereti chikwereti, mamireniyari anofanirwa kuedza kubatisisa mari yemagariro uye inofanira kudzivisa kushandisa kadhi rechikwereti sechinhu chokuchengetedza mari yepamwedzi inenge isingapfuuri kune imwe nzira.
Kana peni-uye-mapepa kana kuti Excel zvinyorwa zvisingabatsiri zvisingashandisi, shanduro yemari yekutsvaga muIndaneti seMint, Wally, kana Kuti Unoda Bhijitori zvakanaka pane dzimwe nzira.
Kurarama kukodhara-isina mhuri kana nevakagara naye muimba isina mari kana imba ndiyo dzimwe nzira dzokukurumidza kubhadhara chikwereti.
Zvimwe Zvokufungisisa
Kana iri imwe, zvakajeka mari yemakore ane zviuru zvemakore (funga: rutivi rwegighu rezvepfumi yehupfumi uye mari yekufambisa nekuvaraidza), kune nzira dzakagadzirisa dzekuwana mari yepamusoro uye inoshanda.
Semuenzaniso, kana munhu asingakwanisi kuwana tsika yekodzero 401 (k) ane zvingasarudzwa zvinobva kumushandi, izvo hazvirevi kuti anofanira kuregerera kuchengetedza kubhadhara zvachose. Pane kudaro, kuisa Roth IRA kana Traditional IRA ndiyo imwe nzira. Ingova nechokwadi chekugadzira mupiro unogara uchiita mwedzi wega wega, uyewo kuisa mari yacho zvakashata kuti uwedzere mari.
Sezvo kune mari yezvokuvaraidza nekufambisa, zvifambiso zvehurumende zvinogona kunge zvisingabhadhari. Kana zvifambiso zvevanhu zvisingawanikwi, kusarudza kuparadzanisa saiyo seUber Pool kune imwe nzvimbo inodhura, uyewo carpooling neshamwari kana vashandi pamwe navo, kana kunyange bhasikoro. Pamitambo yezvokudhura shoma, edza kudonha tambo pamabhadhi uye uchishandisa kushandiswa kunyoresa svhisi seNetflix kana Hulu panzvimbo.
Kunyange zvazvo kuva mireniyuta mune zvehupfumi zvemazuva ano hazvisi nyore, kushandisa mazano ari pamusoro apa kunogona kubatsira kusimbisa nzira yekuchengetedza mari, uye pakupedzisira, kubudirira.