Nzira Dzakakosha Kuti Uwane Mari Yako Yakawanda Muhomwe Yako
1. Tora Maximum Advantage Chero Chero Chero uye Chero Chete Chetatu Chengetero
Mikana yekudzivirira mari kubva pamitero, zvichibvumira kana musero-pasina kana mutero-wakaderedzwa kuwedzerwa kwekuwana mari, zvikamu, chikwereti, uye zvikwereti hazvina kunyanya kuwanikwa muUnited States sezvazviri nhasi. Kubva pamabhuku evanhu akadai seRoth IRA, iyo inonyanya kushandiswa kune imwe nzvimbo yakakwana yekubhadhara mutero wekutsvaga mutero wevatengesi vepasi rose anongonakidzwa, kune iye zvino inowanikwa 401 (k) hurongwa , iyo inowanzoita kuti unakidzwe nezvipo zvakasununguka zvinoenderana nemushandi , hapana chikonzero chekubvumira mari yako kukura kunze kwekusvika kweHurumende, hurumende, uye hurumende yega. Ita zvose zvaunofunga zvinokwanisa kushandisa zvigaro zvemiganhu yegore negore .
2. Rongedza Ruramisiro Shandisa Mazano Ekutengesa Mitero yeAsset Placement
Iyo chaiyo iyo inofanirwa pane imwe nzvimbo inogona kuunza zvakasiyana-siyana mushure mekubhadhara mutero zvichibva pane iyo inobatwa.
Semuenzaniso, mhuri inobhadharwa nepamusoro inenge isisina nguva yekutenga zvikwereti zvakakwana zvekambani dzekambani mukambani yekudhinda . Pasi pose pasina chimiro chinofanirwa kuti munhu awane mari dzomumasisita asingabhadhara mutero mukati memutero wemitero. Kutora rubatsiro, uye kuramba uchiziva, zvemamiriro acho ezvinhu isarudzo yemutero inonzi asset kuiswa .
Rumbidzai nguva dzose.
3. Dzivisa Kukonzera Mikana Yenguva Pfupi Yakawanda Kana Iwe Uri MuHurumende Yakawanda
Nemhaka yenzira yeUnited States yenheji yakanyorwa, chimwe chinhu chinokanganisa kana hutori hunoitwa kwemwedzi inopfuura 12 hutengeswa pabasa. IRS inoratidzika se "nguva refu" pfuma, zvichienderana nemitero yemitero iyo yakanyanyisa kuderera - zvimwe zviitiko, inenge hafu ye - yemiganhu inenge yakasarudzwa. Zvinorehwa nematomu zvakaoma kudarika-kusimbisa: Zvakakwana kuti iwe unogona kuita mari yakawanda mushure mekubhadhara mari nekugara zvakasimba pazvinhu zvakakosha kusvika iyo iyi magetsi yave yapfuura pane iwe waigona kuti iwe wakurumidze nokukurumidza, kunyange kana iwe ukaguma uchitengesa pamutengo wakaderera. Mhedziso yemamwe mamiriro ezvinhu akajeka, kana ruzhinji, kana kunyange rwakakosha, chikamu chemari inokonzerwa nehuwandu hwekutsvaga mari yako inotsanangurwa sechinguvana, uye iwe uri kunyatsobudirira, unenge uchiita chimwe chinhu chisina maturo .
4. Gadzira Mitemo Yakabhadhara Imhosva Yechiito seHurumende Isingabatsiri Mutero
Imwe nzira yokuderedza mitero inoshandiswa naWarren Buffett , imwe yekubatsira kukuru kwekugara kwenguva yakareba kune avo vanoita mari mune imwe chevhesi dzakadai sematokisi ndiyo mitoro yakatarwa yemitero iyo inovaka sezvinotarisirwa nemakore akawanda .
Iwe unogona kushandisa mamiriro ezvinhu aya nekushandisa mari yakakweretwa pasina-mari kubva kuhurumende kuti udzidze kudzoka kwako pamusoro uye kupfuura izvo zvingave zvichigona kana iwe uri zuva rekutengesa.
5. Shandura Zvikwereti Zvitero Zvakatemerwa Muzvipo Zvisina Mutero kune Vagari Venyu Vashandise Kushandisa Izvo Zvakatemerwa Nheyo Pamusoro Pokufa Kwavo
Chimwe chezvinhu zvinonakidza, zvinoshamisa, zvinoshamisa (hongu, zvinonakidza chaizvoizvo) zvinowanikwa kwenguva refu nevashambadzi vanogona kufara chimwe chinhu chinozivikanwa sechikwata chakadzika . Kuti uratidze simba rayo, fungidzira kuti makore makumi matatu akapfuura, iwe wakapa $ 100,000 mune zvinotyisa, asi zvakabatsiridza, chipu bluu blue sezvakaitwa Colgate-Palmolive. Iwe wakasarudza kusaitazve zvikamu zvako . Kwemakore, iwe wakatumirwa mari inenge $ 887,557 mune zvikamu zvemari , yawakashandisa kubhadhara zvikwereti, kugovera kune rudo, kufamba, kuisa zvokudya patafura, kutenga motokari itsva, uye chero chimwe chezvinhu zvakawanda.
Iwe unozviwana uchinge uine zvikamu zvinotengeswa nemari ye $ 3,930,052, zvichimirira pfuma isingabatsiri ye $ 3 830 082.
Kana iwe uchitengesa chikwama chako, iwe unenge uchienda pane imwe nzvimbo inenge madhora 912 000 muStar Federal, kusanganisira Affordable Care Act mutero chaiwo. Iwe unogona kubhadhara mitero yehurumende uye yepakati kubva pa $ 0 kusvika kune $ 380,000 zvichienderana neunogara. Pasi pedo-yakaipisisa-mamiriro ezvinhu iwe unogona kutarisa kupa $ 1,292,000 muhupfumi izvo zvingadai zvakapiwa vana vako, vazukuru, vana, vana vazukuru, uye dzimwe vagari venhaka asi iye zvino zvakagadzirirwa maoko ezvematongerwo enyika. Izvo zvakasimudzwa zvitsva zvinowanikwa parizvino. Nokusiya nzvimbo yako yaunofarira zvakananga kune vako vanogona kuwana, kana iwe uchiri pasi pemutero wemitero, vanozoita sokuti vakabhadhara mutengo wemusika weiyo (kana, kana vakasarudza zuva rekare rekuyera, mutengo wemusika pa nguva iyoyo). Vanotora madhora 3,930,052 vasina mari yemitero inokweretwa, iyo $ 1,292,000 iyo ingadai yakakodzerwa nehurumende yakakanganwirwa zvachose.
6. Tora Kubatsirwa kweZvibato Zvesero ZveMitero Yezvimwe Nhaka, Zvigaro, uye Inotengeswa
Nguva nenguva, Congress inopa mitemo chaiyo kune mamwe marudzi emari yekusimudzira maranho. Kune huwandu hunobhadhara mutero kune zvikamu zveEE E kuchengetedza zvisungo zvisingamboiti chero zvakanaka iye zvino, nekuda kwenyika yedu yepamusoro pe zero-muzana yemari yemari, asi rimwe zuva mune ramangwana. Dzimwe dzimba dzakaoma, dzakadai semafuta nemafuta emagasi emagetsi, akachengetwa kuburikidza nehutano hushoma hukama , kana MLPs, inogona kukubvumira kuti udzivirire chikamu chikuru chemari yakabhadharwa inobhadharwa gore roga roga uchishandisa mitero yekuderedza .
7. Tora Kubatsira Kwegore Negore Chipo Chipo Chisingawaniki, Zvichida Kushandisa Mhuri Isingabatanidzi Nehuwandu Kupa Zvikwereti Kupa Zvipo Zvakawanda Kupfuura Zvingaita Kuti Zvisadaro Zvigoneke
Gore roga rega, mutemo unobvumira vanhu kuti vape mamwe mari vasina kubhadhara mitero. Panguva ino, muna 2017, muganhu uri $ 14,000 pamunhu. Izvozvo zvinoreva kana iwe wakaroora, iwe nemumwe wako munogona kubatana muchipa mumwe munhu $ 28,000 pasina mitsara yemitero kwauri kana mupiki. Kune vanhu kana kuti vakaroorana pamusoro pemiganhu yemitero, kugadzira zvipo zvegore negore zvematokisi, zvisungo, zvivako, uye mamwe masimba kune vemhuri yako zvinogona kutora kukura kwakakura kubva pamitero yekufa iwe ungadai wakatoita chikwereti.