Izvozvowo zvinotsigira njodzi dzemari.
Takataurirana nevanogadzirisa zvemari munyika yose pamusoro penjodzi dzavakaona dzichikuvadza zvirongwa zvevashandi-uye kunyatsoita kuti iwe unogona kuvadzivisa sei.
Kuisa Kure Kunotenga Upenyu HweInishuwarenzi
"Kana iwe uchida vana vako, uwane inshuwarisi yehupenyu," anodaro Chris Chen, mutungamiri wepfuma kuInsights Financial Strategists muWaltham, Massachusetts. Kutadza, hongu, asiwo pane zvakananga. Inishuwarenzi yehupenyu haisi yekusarudza apo iwe une vamwe vanhu zvichienderana nemari yako, anotsanangura. Kelly Graves, anoronga mari yeCarrollte-based Carroll Financial Planners, anobvumirana-uye anoona njodzi iyi pachayo inosanganisira mhuri ine vana vana vaduku. "Iwe haugoni kuvhara rufu," anodaro, "asi [iwe] unogona kudzivisa njodzi yemari." Nezvekuti inshurensi yeupenyu inotenga sei? Nguva gumi mubhadharo wako ndeyekutanga kutanga, asi zvakakosha kuyeuka iwe hausi kungotora mari, asiwo kune zvipo, inshuwarhu yehutano, zvipo zvekubhadharwa, chikoro chekoroji uye nezvimwe.
Usati watenga kutenga, inogona kunge iri pfungwa yakanaka kutaura nemutengo-wega wezvokugadzirisa zvemari (kureva kwete mupi wezano uyo ari kuedza kukutengesa iwe inshuwarisi yehupenyu) kuti uve nechokwadi chokuti uri kutenga mukana wakakwana iwe newe mhuri. Iwe unogona kuwana uyo anokonzerwa neawa kuburikidza neGarrett Planning Network.
Kutenga Imba Itsva Usati Watengesa Yekare
Sezvo zvisingawanzove pfungwa yakanaka kubva kune rimwe basa usati wasayina mapepa pane rinotevera, iwe haufaniri kutenga imba itsva kusvikira watengesa zvekare mutemo-kana kunyanya kusvikira zvibvumirano zvasaina . Kana zvisina kudaro, iwe unomhanya kune ngozi yakawanda iyo kutengesa kunowedzera (kana kuwira kuburikidza) kukusiya iwe kuti uite basa rekugara kwemaviri-pamwe chete nemasere maviri emitero yemutero, upkeep uye zvimwe zvose zvinosangana neimba yeimba. "Zvinogona kutora [vanhu] pasi," anodaro Susan Kaplan, mutungamiriri weKaplan Financial Services Inc. muNewton, Massachusetts, iye zvino ane vashandi vaviri mumamiriro ezvinhu aya. "Hapana chakaipa chinotsigira hugaro hwemadzimba maviri." Kana chiri chikonzero vamwe vanotengesa vanopinda? Vanhu vanowanzova nemanzwiro aanobatana kune kwavanogara, saka vanogona kuderedza kukosha, kuchereka uye kuomesa kutengesa. The fix? Hazvina mhosva kuti kutengesa kunotarisa kunotarisa-kunyange kana mutoriri arikuudza kuti "chinhu chaicho" -kusakonzera chigamba paimba itsva usati wavhara basa rekare.
Kubatsira Vana Vakura Vana ... Zvizhinji
"Imwe yenjodzi huru yandakaona nevashambadziri vangu ndeyekutsigira kwevana [vakuru)," anodaro Kaplan.
Heino nheyo yepamusoro: Kunyange vakaroorana vakagadzirira kubhadhara uye vane zvakakwana mukuchengetedza vangave vasina mari yakakwana yekutsigira vana vavo vakura kwenguva refu-kunyanya kana vana vakwegura ava vane mhuri yavo pachavo. Kunyange zvazvo kubhadhara mari inoshandiswa zvichange zvisingagari nguva dzose (kusvikira utano hwehutano huchikura mune hupenyu hwehupenyu), mari yevana vakuru vanogona kuwedzera gore roga roga. Nokusvetuka munguva pfupi kuti ubatsire mwana paanorasikirwa nebasa kana asina mari yakakwana yokutenga imba yekutanga, iwe "unonoka kusingadzivisiki," anodaro Kaplan. Zvinoreva: Kuti pakupedzisira vachazofanira kuwana rimwe basa, shandura masimi, famba kana kuchengetedza zvimwe. Uye kana iwe ukatora chikwereti uye mwana wako anorasikirwa nebasa, iwe unogona kunge uri pachikwereti chemari yose.
Kelly Graves aona zvinetso zvakafanana zvinokanganisa zvimwe zvevashandi vake zvirongwa zvemari.
"Pane imwe nguva," anodaro Graves, "unofanira kunge uine udyire. Iwe unofanirwa kuti, 'Ndakatora mwana uyu kuburiji, ndakavaendesa kuenda kure-ini ndinofanira kuzvidya mwoyo pamusoro pangu iye zvino.' "Saka, kana ukaona mwana wako mukuru pachitsiko chinotsvedza, tanga usati wabvunza kubatsirwa uye tee up-down-down conversation. Edza kutsigira kuburikidza nokupa shamwari, mazano uye ruzivo panguva imwe chete uchivaudza kuti kunyange iwe uchingogara uripo nekutsigirwa mupfungwa, haugone kubatsira mari.
Kuchengetedza Kubhadhara Kwemutambo Kare MuTe Game Or ...
Heino mutemo wakanaka wechigunwe: Chengetedza kubhadhara kunyange kana iwe uchifunga kuti hauzombosi basa. "Handisati ndamboona mumwe munhu akandiudza kuti vanosuruvarisa kuti vakaponesa zvakanyanya sezvavakaita," anodaro Chen. Kana sokutanga sezvavakaita. Iko mari inodonhedzwa mumakore ekuma20 uye makumi matatu yakafanana nekatsetse yakanaka yekutanga. Vanogona kukura kwemakumi emakumi uye iwe unogona kutarisa magetsi ekugadzirisa muchiito. Kutaura: Tora wemakore makumi matatu nemakumi matatu ekuwana mari ye $ 60,000 pagore anorega 10 kubva muzana yemutero wake usati watora kunze kwekurega basa-kana $ 500 pamwedzi. Pamakore makumi matanhatu nematanhatu, achitora chikamu chezana kubva mugore rezvekudzoka kwegore, iye achava nemadhora anodarika $ 906,000. Kana iye akasimuka achifamba munzira uye akawedzera michero yake yekuenzanisa, aizowana zvakawanda. Asi kana akamirira kusvikira 40 atanga kuvhara $ 500 kubva kune imwe nyika, aizowana $ 407,000 pazera remakore makumi matanhatu nemashanu. Kunyange kana iye akatanga nepamusoro-soro yemugove-anoti $ 750 pamwedzi, haazogoni kuwana. Akange arova 65 ne $ 611,000 chete. Pfungwa: Tanga mangwanani. Save often.
... Kubvambura Kuderedza Stash Wakavakwa
Uye, paunenge uripo, usarega kutora chikwereti kune 401 (k) , zvakare, anodaro Davon Barrett, muongorori kuNew York-based Francis Financial. Sophia Bera, nheyo yeGen Y Planning, akawana vatengi mumamiriro ezvinhu aya mushure mokunge vatengesa mari yakawanda, uye anoionawo nevanhu vachiedza kubhadhara kadhi rechikwereti chikwereti. Mitemo ye 401 (k) chikwereti chinoreva iwe uri kubhadhara chikwereti kwauri pachikwereti munguva refu, asi pane zvipingamupinyi vanhu vakawanda havazvifungi kana vachikwereta mari. Mari ichave iri kunze kwechirongwa, izvo zvinoreva kuti iwe unorasikirwa nekukura ikoko. Paunenge uchiripa iwe, ungasakwanise kubhadhara zvizere zvipo. Uye-iyo biggie-kana iwe uchisiya kambani nokuda kwechikonzero chipi nechipi, chikwereti ichocho chinowanzova chakakodzera mumazuva makumi matanhatu. Kana iwe usingakwanisi kuripa, inobatwa sekuregera, izvo zvinoreva iwe unofanirwa kubhadhara mitero yemari uye 10 muzana chirango.
Kubvisa Pamberi Pasina Chekuongorora Utano Wenyu Wehutano Utano Kana Hurongwa B
Kufanana nepfungwa yekubvisa pakarepo? Ndiani asingaiti? Asi iwe tsvakurudzo yako usati wasvitsa dambudziko-kunyanya kana uchironga kubuda kunze kwevashandi usati wava nemakore 65 uye unokodzera Medicare. "Ndine vashandi vanobhadhara mari yakawanda se $ 2,000 pamwedzi pamwedzi nekuda kwehutano inshuwarhu nokuti vakasiya basa vasati vava Medicare vakakodzera," anodaro Graves. Inishuwarenzi yehutano inogona kudhura top-dollar apo kambani yako iri kutora pane imwe yemari. Kunyange kana iwe ukashandisa mukana weCOBRA-chirongwa chinobvumira vanhu vakakodzera kuti varambe vachiwana kubatsirwa kwehutano hwemabasa kwemakore gumi nemashure mushure mekusiya basa-iyo mitengo haibatsiri. Mutemo unongoita kuti zviwanikwa zviwanike kwauri, asi pasina rubatsiro rwomubatsiri, iwe uchange uine mari yakaenzana yavanoshandisa mumwe nomumwe pane inshuwarhu yehutano. Kugadziriswa: Ita zvose masvomhu usati wasarudza kusara kuitira kuti uve nechokwadi chokuti uri mari yakagadzirira. AARP inobata basa rekusiya mari iyo inogona kukuita iwe kutanga.
Saizvozvowo, kana iwe uchiri kurega kufungidzira kuti iwe uchishanda chikamu-nguva kana kutora chikamu gigs, asi kana zvasvika pairi, unogona kuzviwana zvakaoma kudarika iwe waifunga. "Iwe unofanirwa kuva nezvinhu zviripo usati wabvisa ibhanhire rinotakura," anodaro Kaplan. Saka usati watanga kubva pane gig yako yenguva yakazara, zvinokosha kuti uzive chokwadi kuti une mari yakakwana yekurega mari. (Vanguard ane mari yekusarura mari iyo inofanidza izvo zvaungave nazvo iye zvino nezvichadikanwa.)
Kuedza Kuronga Nguva Misika
Pakupedzisira, nguva uye nguva zvakare, zvidzidzo zvakaratidza kuti pamwero wepamusoro, passively-managed-index funds money trump inoshandiswa-inotarisirwa mari. Sevanhu, tinoda kufunga kuti tinoziva zviri nani-kuti masimba anogona kutitaurira kuti mari yedu ichakurumidza kukurumidza uye kuti guts edu achatiyambira kana yava nguva yekubuda. Ichokwadi ndechokuti rudzi rwekuzvivimba kwakanyanya runogona kutidzosa kana zvasvika kumaketheni ekudzoka. Pakupedzisira kwezhizha, nemhaka yeBrexit uye kusarudzwa kusina chokwadi, mumwe wevashandi vaBarrett vakafunga kuti motengesheni weUnited States waifanira kukonzerwa. Pasinei nokunyeverwa kubva kuvadzidzisi, akatamisa mari yake yose mune imwe nhoroondo mumari, achifunga kuti aizodzokera kumisika shure kwekugadziriswa kwaitika. Akarasikirwa ne15 muzana anodzoka mumusika wekuAmerica wegore rekupedzisira. "Pakupedzisira, haudi kuisa mazai ako ose mubhasiki rimwe uye pari pane chimwe chinhu chisina chokwadi," anodaro Barrett. Usaisa pangozi yako yeramangwana rezvemari pane mumwe muvhimi-yeuka uri kutamba mutambo wakareba.
NaHayden Field