Chii Chirango Chekuberekwa uye Chinogadzirisa Sei Vakadzi?
Kurairwa kweamai kungasave kwakanaka, asi ndezvechokwadi kuti vakadzi vazhinji vanozviwana vachitarisana.
Kunzwisisa kuti chirango ichi chakaiswa kuna vanaamai-uye kuti chinokanganisa sei maitiro avo emabasa-chakakosha kuvadzimai sezvavanogadzira zvirongwa zvavo zvemari .
Izvo izvo Amai Amai Anotarisa Anotarisa
Muzhinji, chirango cheamai chinotora kuti vanaamai havakwanise kuchengetedza maitiro edzimadzimai akasiyana nevakadzi vasina vana, kana nevarume vavo vanoshanda navo. Izvi zvinogona kutamba munzvimbo yebasa nenzira dzakawanda asi zvichida chigamba chikuru chinosangana nehutano hweamai ndechekuti inobata sei kuwanikwa kwevakadzi.
Maererano nemushumo weTidd Way, imwe nyika inofungidzira tank sangano, iyo inowanzo amai vanoona simba rayo rekuwana mari inoputika ne4 muzana kumwana mumwe nomumwe waanoita. Zvinofadza, zvakasiyana ndezvechokwadi kune varume. Paakava baba, varume vanoona mari yavo inokwira ne6 muzana. Ukama hwakasiyana-siyana hunoratidza kuti vashandi vangaramba vachiona varume nevadzimai mumitemo yekodha, nevakadzi sevanotarisira uye varume sevanopa chingwa.
Zvimwe, kudonha mumatambudziko anowanikwa navanaamai kunogona kuva mugumisiro wavo kutora nguva kure nebasa kuti kurera vana vavo kana kuisa pasi pasi muchikamu chechikamu kana chekubhadhara zvakaderera kuti zviwanikwe zvakare kumhuri yavo. Vakadzi vanopedza kuunganidzwa kwemaawa makumi maviri nevhiki pavhiki pamusoro pekuchengetwa kwevana uye mabasa epamba, zvichienzaniswa nemaawa 16 chete akabatanidzwa nevarume, maererano nePew Research.
Kunze kubva kumari yakaderera, chirango cheamai chinogona kuzviratidza mune dzimwe nzira. Vakadzi ve2017 MuKushanda Kwebasa vakawana kuti 39 muzana yevakadzi vakatenda kuti hutano hwavo huchaita kuti zvive zvakaoma kuwana kusimudzirwa kana kukurudzirwa, kana kuti kunyanya kuenda mberi kubasa. Vana makumi matatu nechinomwe kubva muzana yevakadzi vakatenda kuti vakashaya mukana wekusimudza kana kukurudzirwa munguva yakapfuura nekuda kwehutano hwavo.
Zvinogona kuva zvakanyanya kuoma kuti vakadzi vatungamirire mumabasa avo kana vari amaiwo. Vashandi vangave vaine hanya nevanamai kana vakanetseka nezvekukwanisa kwavo kuita zvido zvebasa ravo rebasa uye chigumisiro ndechokuti ivo vanoita zvepamusoro.
Chirango cheamai chinoshandawo kuvadzimai vanopinda zvakare mumashandi mushure mekutora hiatus kutarisira vana. Chimwe chidzidzo chakabudiswa muAmerican Sociological Review chakawana kuti vakadzi vanogara-pamusha vane hafu yenguva yakawanda yekuenda kumubvunzurudzo webasa sevanaamai vakanga vasiyiwa kubva kumabasa avo apfuura.
Madzimai Anogona Kukonzera Migumisiro yeHama yekuripa Mutongo
Kurairwa kweamai hakugoni kubviswa usiku hwose uye nekuda kwevakadzi, kudzivirirwa kwakanakisisa ndiko kukanganisa kwakanaka. Nheyo yekona yeyo nzira iyo ndeyo kuva nepurogiramu yakasimba munzvimbo yekuchengetedza utano hwako hwemari.
Pakati pepurogiramu iyoyo inofanira kunge iri maonero ako ekurega basa.
Kuwana zvishomanana zvinoreva iwe unogona kuva nemari shoma inowanika kuchengetedza makore ako apfuura. Muchiitiko ichocho, zvakakosha kuti vakadzi vashandise zvizere mikana yekukura mari yavo. Izvo zvinosanganisira kuchengetedza zvakakwana muvashandi varo 401 (k) kana chirongwa chakafanana-chetongwa-chakakosha kuti zvikwanire mupiro wakakwana unofananidzwa . Kugadzirisa zvipo zvako ne 1 muzana gore rimwe nerimwe inzira inobatsira yekusimudza purogiramu yako yekuchengetedza zvishoma nezvishoma, kuitira kuti inokurudzirana nemari yako.
A Health Account Account ndedzimwe nzira yekuchengetedza mumutero unobhadhara kana iwe waunoshandira akapa chirongwa chakakosha chehutano sechikamu chekubatsira kwako. Iyi nhoroondo inopa katatu kubhadhara mitero: mitsva inokonzerwa nemitero, mitero-yakasimudzirwa kukura uye kubhadhara mutero-pasina kubhadhara mari yepamusoro yezvokurapa.
Zvamusingazivi ndezvokuti mushure mezera remakore makumi matanhatu nemashanu, munogona kubvisa HSA mari kune chero chikonzero, pasina chikonzero. Iwe unogona, zvakadaro, unofanirwa kubhadhara mutero wenguva dzose wemari pamusana pokusiya. Muchidimbu, HSA inogona kushandiswa sekuwedzera kwemari yekuchengetedza mari, iyo inosanganisira vanaamai vangave vasina kukwanisa kuzadzisa chinangwa chekurega basa.
Kuvakadzi vakaroora vari kuenda kure nebasa kwenguva pfupi, IRA inogona kuva imwe nzira yekudzivirira. Uine IRA mukaroorana, wako wako anogona kuita mupiro weIRA panzvimbo yako, kunyange iwe usina mari yako. Mipiro yemipiro yakangofanana nechekare uye Roth IRAs; $ 5,500 nokuda kwe 2018, pamwe chete nechimwe chipo chekubatwa kana iwe uri wemakore makumi mashanu kana kupfuura.
Shandisa Basa Rinoputsa Nokuchenjera
Kana iwe ukapedza nguva kunze kwevashandi kuti urere vana, kudzokera kumusika wemabasa kungave kwakaoma pashure pokunge kupera kwenguva refu. Nokuda kwechikonzero ichocho, zvakakosha kushandisa nguva iyo iwe uri kumba.
Funga kuwedzera unyanzvi hwako hwakagadzirirwa panguva ino uye ugare uchitarisana nezvinoitika mumakambani ako. Dzokorora patsva yako paunenge uchitaura chero zvipembenene mubasa rako rezivo. Yeuka kuramba uchitaura nemhengo dzenhare yako, uye uchigadzirisa hutano hutsva hwehutano. Chinonyanya kukosha, tora kristall zvakajeka nezvemaonero ako ekudzoka kubasa. Kugadzirisa zvaunotarisira pane zvaunoda kuti uite zvakanaka uye seamai vanogona kukubatsira kuti urambe uchienzanisa pakati pebasa uye kumba.