Kunyange zvazvo vatarisi vemhuri muAmerica vari dzakasiyana, chidzidzo chegore ra2015 chinotaura kuti "anowanzo" mutarisiri ane mararamiro emudzimai wemakore makumi mana nemashanu anotarisira hama. Vamwe vanotarisira vanopa maawa makumi maviri nemaviri ekutarisirwa kusina kubhadharwa kwevhiki, uye vanenge 25 muzana yevanotarisira vari ikozvino Millennials (vari pakati pemakore gumi nemasere nemakumi matatu).
Mukuwedzera kune mutarisiri uye kutsigira mabasa ekukwegura kwevabereki, vakawanda Sandwich Generation vanhu vakuru vari kunzwawo kushungurudzwa kwakabatana nekuwedzera mari yekubatsira vana vavo. Maererano nemushumo wegore ra2013 kubva kuPew Research Research , vabereki vave vachiwedzera kubatanidzwa mukupa mari yevana vavo vakuru. Izvi zvinowanzoenderera mberi kwekoroji, uye pasi pehafu yevanhu vakuru vezera remakore makumi matanhatu nemapfumbamwe (49 muzana) vakapa rumwe rubatsiro rwemari yevana vavo.
Kuti kuderedza kushungurudzika uye kuzvidya mwoyo munguva ino yakaoma muupenyu, zvinokosha kugadzirira mangwanani uye kune zvirongwa munzvimbo kana uchida kutarisira vabereki vakwegura paunenge uchiedza kuisa vana vako mukukura. Imwe nzira ndeyekutarisana nedambudziko remhuri huru dambudziko nguva iyo iwe uri kutora zvigetsi zvemotokari kubva kuvabereki vako nekuzvipa kumwana wako achiri kuyaruka.
Dambudziko guru kune avo vakachengetwa mukati ndihwo mungozi yekuregeredza kuzvitarisira kwenyu paunenge uchiedza kubatsira mumwe nomumwe.
Heano mamwe matanho aunogona kutora kuti udzivirire utano hwako hwehupfumi uye hwepfungwa apo unoramba uchitsigira uye unowanikwa kune vaunoda.
Batsira vabereki vako kuti vaite chirongwa chekusarirwa mari.
Kuva ne "hurukuro yemari" hachisi chinhu chikuru chedu tinonzwa takasununguka. Kuva nehurukuro nevabereki vako kunogona kunge kwakaoma, zvikuru kana vakagara vachichengetedzwa kana zvasvika pakutaura nezvemari.
Chidzidzo chegore ra2014 chakaitwa neCaring.com chakawana kuti chikamu chiduku chinopfuura hafu yevana vechidiki chinotsvakurudzwa chakanga chaita hurukuro nevadikanwa pamusoro pemisoro yakadai sechiremba, zvishuwo, zvirongwa havafaniri kukwanisa kuzvitarisira ivo, kana kuti kubhadhara sei kutarisira. Zvakakosha kuunza nheyo kuti udzivise njodzi iyo ichapedza chinyorwa chekurega basa. Kushushikana kwemakore akawanda ndeyechokwadi uye pane 45 muzana yeruzivo kuti kana imwe nhengo yemurume nemudzimai vachararama mumakore ekuma90.
Chirongwa chekuwana mari yekubvisa mari chinogona kubatsira kudzivisa chimwe chekukanganisa kukuru kwekurasikirwa nevanhu vanoita-kushandisa mari yakawandisa zvikuru. Zvinhu zvakasiyana-siyana zvinokonzera kubhadhara mari yakadai semari yako yekudzoka pakuchengetedza uye kubhadhara mari, nguva yakadini yekurasikirwa inotarisirwa kuenderera mberi, kutengesa, mitero, kupedza, chikamu chekuwana nguva, Social Security , pensions, nezvimwewo.
Ramba uchichengetedza mari yako yokurega basa.
Nyaya yeNational Retirement Risk inobva kuCent for Retirement Research muBoston College yakawana kuti inopfuura hafu yemakore ekushanda-mhuri iri pangozi yekusakwanisa kukwana zvizere zvido zvavo zvekurega mari. Ndokusaka zvakakosha kuti utarisire kubhadhara kwako kutanga. Kugovera zvakaringana kuti zvingasvike kuwana zvakakwana kumushandi musikana inogona kuve nzvimbo yakanaka yekutanga.
Izvi zvichabatsira kuve nechokwadi kuti hausi kuzosiya chero mari yakawanda patafura. Asi usanzwa sokuti iwe unofanira kumira ipapo. Ramba uchienda kumusoro uye kupfuura mimwe mipiro yakakodzana kuti uwane mari yakawanda yakadai se 401 (k), 403 (b), Roth IRA, kana Health Savings Account (HSA).
Wakatora nguva yekushanda chekuita basa rekusarura kuti uone kana iwe uri munzira yakarurama here? Kana iwe usingazivi kuti iwe unoda zvakadini kuchengetedza iwe pachako iwe pachako iwe hausi woga. Sokutonga kwechigunwe, vanhu vazhinji vanoda kupfura kuti vatsivire makumi manomwe kusvika ku90 muzana yemari yekuwana mari, asi kana iwe unonetseka nezvezvikwereti zvezvechiremba uye / kana chirongwa chekufamba zvakawanda, iwe ungada kupfura kumusoro. Pasi pepamusoro: ramba uchichengetedza uye usadzivisa chido chako chokurwisa chikafu chako chekurega basa kuti usigire vamwe.
Ongorora nzira dzokubhadhara kwenguva refu.
Kune vanhu vane makore makumi matanhatu nekure kune 70 muzana yemukana wekuda imwe yemhando yekuchengetedza kwenguva refu.
Imba yakakura yekuchengetedza musha inogara kana in-inotarisirwa kutarisira mari inogona kuve yakakosha zvikuru pfuma yemhuri. Imwe nzira yekuchengetedza nguva refu ndeyekushandisa inshuwarisi-asi aya mazano haasi akadhura uye inogona kuva yakaoma kukodzera kubvuma pane dzimwe nhoroondo dzezvokurapa. Iwe unogonawo kuongorora kuti uone kana hupfumi hwako huchipa chirongwa chekuchengeta kubatana kwenguva refu. Kana iwe uchitenga chirongwa kuburikidza nechimwe chezvirongwa izvi uye uchishandisa zvose zvinobatsira, iwe unogona kuchengeta huwandu hwezvinhu zvakaenzana nehupfumi hwehutenga hwawatenga uye Medicaid huchawana humwe humwe bhiriro. Inishuwarenzi yekuchengetedza kwenguva refu haisi yevanhu vose uye inogona kunge isingakwanisi. Zvisinei, inofanira kunge ichiri chikamu chekukurukurirana kwemari.
Funga kuisa mari padzigiramu yekuchengetedza kojiji.
Kana iwe waifunga kuti kuwedzera kwezvikwereti zvehutano hwekutarisira uye kugara kwenguva refu kwaiva dambudziko, zvimwe hauna chiyeuchidzo chokuti hachimiri ipapo. Kudzidza uye mari yepamusoro yakasimudza zvikuru pamakore makumi maviri apfuura. Kana iwe uri munzira yakarurama kuti uwane zvinangwa zvako zvekurega mari iwe unogona kutanga kufunga pamusoro pekuchengetedza koroji yako yevana. Urongwa hwezvedzidzo hunoreva zvinopfuura kungochengeta mu 529 mapurogiramu ekuchengetedza kojiji. Dzimwe nzira dzokuderedza zvidzidzo zvekufambisa dzinosanganisira kuenda kuneyejiji yemakore maviri kana kojiji yevanhu vose. Scholarships, grants, uye mapurogiramu emabasa-kudzidza ndeimwe nzira dzingakurudzira vana vako kuti vazviriritire pachavo kugovera ivo pachavo dzidzo yekoroji.
Gadzira uye uongororore magwaro ekuronga mazano.
Zvakasikwa kuvana vakuru kuti varege kunzwa vasinganzwisisi kubvunza vabereki pamusoro pezvirongwa zvavo zvehupfumi. Kana yakagadzirirwa zvakanaka, kukurukurirana uku hakusi kungoti "ndiani anowana chii" kukurukurirana. Munhu wose anoda chirongwa chekugara, uye zvinokosha kuziva kuti ingagadzira sei hurongwa hwehupfumi hunoita zvinopfuura chirongwa chekutengesa pfuma. Urongwa hwehupfumi hunobatsira kupfuura nemakakosha emhuri kana nenyaya. Chirongwa chakanyatsogadzirwa chinosarudzawo murairi kuti aite mabasa anokosha. Zvinyorwa zvinokosha zvakadai sokuda, matariro, mirayiridzo yepamusoro yehutano, hutano uye husimba masimba egweta rinogona kupa vabereki nevanodikanwa nerunyararo rwepfungwa kuziva zvavanoda uye zvinangwa zvavo zvichasangana.
Ita urongwa uye utore nhamba yezvinhu.
Kuomeswa kwekutarisira vabereki vakwegura nevana panguva imwechete kunowanzosiya mukana muduku wechipfuva mumazuva ose. Panzvimbo pokuregeredza mari yako pachako, tanga kurongeka uye kuumba humwe hunobudirira mukuronga kwako pachako. Kune zvizhinji zvemari zvemabhadharo ekukubatsira kuti uwane hupenyu hwemari hwakarongeka. Iwe unoda zvakare kubatsira vabereki vakwegura kuburikidza nedzimwe nzira uye kuziva kuti magwaro anokosha anowanikwa kupi. Hazvisi zvakaoma kuunganidza mari yakawanda yekuchengetedza, kutarisa, kubhadhara, kadhi rechikwereti uye mabhizimusi ekurasira kune dzimwe nyika dzakasiyana-siyana dzemari. Pasina kutungamirirwa kwakakodzera, chirongwa chekutevera pasi nhoroondo idzi nekugadzirisa nzira yekuwana ruzivo rwakakosha kunogona kuva chinetso chinotambudza.
Tsvaka rubatsiro rwemunhu wega uye unyanzvi.
Ongorora dzimwe nzira dzakadai sekugoverana mabasa ekuchengetedza pamwe neumwe nhengo yemhuri kana mudiwa. Kunyange nyore 1- kana 2-zuva kuputsa kunogona kuita kusiyana kukuru uye kuderedza mabasa. Kutsigirwa kwevashandi kunogona kudiwa mune dzakawanda zviitiko. Kunyatsochengetwa kwemusha uye kutarisira utano hwepamba mimwe mienzaniso miviri ye rubatsiro runowanikwa. Attorney anogona kubatsira kugadzira zvinyorwa zvekukosha zvekugara. Muchengetedzi wezvehupfumi mazano anogona kukubatsira kuti urambe uri munzira uye nepurogiramu yako yezvemari uye rubatsiro runokutungamirira iwe kuti uwane humwe hutano nemakwikwi ehupenyu hunokosha. Kutaura nemuumbi wehuni kuti ubatsire kutsvaga nzira dzekudzorera musha wemubereki wako kuti zvive nyore kuwana kune imwe muenzaniso. Kuwana mushonga we Medicare kana Medicaid kunogona kubatsirawo. Kana vana vako vachiri vaduku, kuwana rubatsiro runowedzera vana uye kubva kuchikoro kana maitiro kunogona kuva kukunda kuduku.
Ramba uchichengetedza zvinangwa zviduku uye zvenguva refu, apo uchipa vabereki nevana.
Kuwana kuenzanisa pakati pekukwikwidzana kunotora nguva kana mari kunogona kuonekwa sechinetso chinogara chiripo muupenyu hwedu hwemari. Kuramba uri pamusoro pemari yekubhadhara, motokari yemotokari, mabasa evana, kuchengetedza kubhadhara uye kubatsira nemari yevabereki vakwegura zvinogona kuita kuti zvive zvakaoma kusungira bhajeti. Iko kuenzanisa kunowedzera kuoma kana nguva yako nesimba rako rinonyanya kuzvipira kune vamwe. Zvinogona kuonekwa kunge zvakaoma kuona kunze kwebasa rekuchengeta zvino, asi iwe unofanirwa kuisa pfungwa yekuchengetedza zvido zvako zvemari kwenguva refu. Kurega basa rimwechete muenzaniso wakajeka wechinangwa chenguva refu. Asi hazvirevi kuti haisi yekutanga chete. Gadzira bhajheji kana kushandisa purogiramu inokubatsira kuti uise pfungwa dzako pakuwedzera mari yako yekuita zvinangwa zvehupenyu zvinokosha apo uchideredza kana kubvisa zvinetso zvinokweretesa chikwereti chikuru.
Mifungo Yokupedzisira
Nzira yakanakisisa yekutarisana nemitoro yezvemari inotarisana neSandwich Generation, ingave inonyanya kukosha kana yezvinoitika mune ramangwana, ndeyekuti munhu wese ave neurongwa hwezvemari (vabereki vakwegura, vana, uye avo vanomira pakati). Kutaurirana pachena uye kutendeseka ndicho chinhu chikuru chekufamba nematambudziko eSandwich Generation. Kuronga kwekugadzirira kunobatsira kuderedza kudzvinyirirwa kwako kwezvemari kana iwe uri kutarisana nekuita kwekuenzanisa kana iwe unongova nehanya iwe ungave uri pano munzvimbo yemberi iri mberi.