Anopfuura makumi mana nemakumi mana nepamusoro pekugara mubhadharo? Heano mazano manomwe
Ah, darn. Iwe hauna kutanga kuponesa nokuda kwekurega basa pakutanga. Zvino chii?
Heano mazano mashomanana okukutungamirira kuburikidza nekuchengetedza kubhadhara kana iwe uri kupinda mutambo munguva pfupi.
Tamba Catch Up
Ngatiti iwe une makore makumi mana , uye uine $ 0 yekurega basa.
Pazera rako, iwe unobvumirwa nemutemo kuchengetedza $ 17,000 pagore mune 401k retirement fund. Mari iyo ichaenda kurei?
Kufungidzira kuti 7 muzana yemari yekudzoka - iyo, kwete yakafanana, ndiyo inowanikwa gore rekudzoka kwekudzoka iyo nheyo yemari inonzi Warren Buffet inofanotaura tichaona mumakumi emakumi anotevera - 401k yako ichakura kusvika $ 1 mamiriyoni mumakore makumi maviri nemaviri nemwedzi miviri. Izvozvo zvinoreva kuti iwe uchange uri munzira yekuwana $ 1 mamiriyoni nezera remakore makumi matanhatu, munguva yekurega basa .
Iwe unoda mamwe makore manomwe kuti uwane $ 1 mamiriyoni emagetsi, akaenzana nemadhora emazuva ano. Mune mamwe mazwi, iwe uchange uine $ 1 mamiriyoni ekugadzirisa zvishoma nezera remakore makumi mana, uchifunga kuti unoramba uchipa $ 17,000 pagore. Sezvo vazhinji vakasiya basa vachiri kushanda kusvikira ava nemakore makumi matanhatu nemakumi matanhatu kana makumi manomwe, kushanda kwemamwe makore manomwe zvinogona kuva chinangwa chinokwanisika.
Kunzwisisa Kuti Unoda Zvii
"Asi ini handidi mamiriyoni!" iwe ungangodaro uchifunga. "Ndinongoda upenyu huri nyore."
Hungu, asi upenyu huri nyore hunoda $ 1 mamiriyoni mubhangi.
Iwe unoona, nyanzvi dzakawanda dzinobvumirana kuti munguva yekubvisa mari yako, iwe haufaniri kurega kudarika 3 - 4 muzana yehupfumi hwako hwegore rega rega. (Aya anozivikanwa se " 4% mukutonga " uye " 3 Percent Rule ".)
Zvikamu zvitatu zve $ 1 mamiriyoni ndeye $ 30,000. Zvikamu zvina zve $ 1 mamiriyoni ndeye $ 40,000. Mune mamwe mazwi, kana iwe uchida kurarama pane mari ye $ 30,000 - $ 40,000 pagore mukurasira, iwe unoda podfolio ye $ 1 mamiriyoni.
(Iyi inofunga kuti iwe hauna penheji, nzvimbo dzinotora mari , kana zvimwe zvekushandisa mari yekurasikirwa) . Inosanganisirawo Social Security, iyo vanhu vazhinji vanoona kuti yakawanda kupfuura iyo inotarisira.)
Usatora pane zvimwe njodzi
Vamwe vanhu vanoita kukanganisa kwekutora mari yakawanda yekuisa mari yekuita nguva yekurasika. Izvo zvinogona kudzoka zvakakwirira: panzvimbo ye7 peresenti, pane mukana wekuti mari yako inogona kukura 10 muzana kana 12 muzana.
Asi njodzi, iyo inogona kurasikirwa, inowedzerawo. Dambudziko rako rinofanira kugara nguva dzose, nguva dzose richienderana nezera rako. Vanhu vari makumi maviri vanogona kugamuchira kurasikirwa kukuru sezvo vane nguva yakawanda yekuwanazve. Vanhu vemazana makumi mana havakwanise.
Usagamuchira mungozi yakawanda muhomwe yako. Sarudza chimwe chezvinhu zvinotevera zvakaedzwa-uye-vechokwadi kugovera mazano:
- 120 kuderedza makore ako mumatengo emari , pamwe chete nevamwe mubhadha mari . (Nhamba yepamusoro inogamuchirwa yenjodzi.)
- 110 kusvitsa makore ako muzvikwereti zvemari, pamwe chete nevamwe mubhadha mari. (Nhamba yematambudziko.)
- Zera rako mune mari yezvisungo , pamwe chete nezvose zviri mune mari yezviwanikwa. (Yakanyanya kugadziriswa inogamuchirwa yematambudziko.)
Vhura Roth IRA
Kana wati wapedza kuwedzera 401k yako, shandisa IRA uye uwedzere rupo chako kune ichocho zvakare.
Munhu ane makore makumi mana anokodzera kubhadhara zvizere kuRoth IRA anogona kuwedzera mari yakawedzerwa gore roga roga pamusana pokuchengetedza mari yavo .
Mipiro kune Roth IRA inokura musero-uye inogona kubviswa pasina mutero. Iwe unotozvidzivirira kubhadhara mutero mukuru .
Tenga Inishuwarenzi Yakakwana
Njodzi ndeimwe chikonzero chikuru chikuru chekuti vanhu vanomanikidzirwa kuti vazivise bankruptcy. Deredza dambudziko rako nekutenga inshuwarisi yehutano yakakwana, inshuwarano yehurema, uye motokisi yveshuwarisi.
Kana iwe uine vatsigiri, funga inshuwarisi yehupenyu yehupenyu kwenguva yakareba iyo nguva iyo vatsigiri vako vachavimba newe mune zvemari. Nyanzvi dzakawanda dzezvemari dzinoti inshuwarisi yehupenyu hwose haisi iyo yakanaka yepfungwa, kunyanya kana iwe uri kutanga mutemo muma40 wako.
Izvi zvinongoratidzwa chete. Taura nemunhu anokwereta-wega wezvokugadzirisa zvemari kuti awane mazano akafanirwa iwe pachako.
Tsvaga varimi vane "fiduciary duty" kwauri sevatengi vavo.
Bhadhara Chikwereti
Kubhadhara chikwereti chikwereti chikwereti , zvikwereti zvemotokari , nezvimwe zvakakwirira-kana kuti kwete-mortgage chikwereti.
Chengetedza kana iwe haufaniri kubhadhara mari yakawanda pamutoro wako. Kana uri mutsara wekutanga wekutenga kwako, uye zvizhinji zvekubhadhara kwako zviri kushandiswa kune unofarira, zvinogona kuita kuti zvive nekunzwisisa kuwedzera mari yekubhadhara mari .
Kana zvakadaro, iwe uri mumakore ekupedzisira ekutenga kwako uye mari yako inoshandiswa kunyanya kushandiswa kune mukuru, iwe unogona kunge uri nani kupa mari iyo.
Yeuka: Iwe Nomudzimai Wako Wouya Kutanga
Usaisa pfupa pamari yekuchengetedza mari yekutumira vana vako kukireji. Vana venyu vane zvimwe zvingasarudzwa uye mikana kupfuura iwe.
Vana venyu vanogona kutora chikwereti chevadzidzi . Iwe haugone kutora "chikwereti chekurega basa."
Vana vako vane upenyu hwavo hwose mberi kwavo. Nguva iri kumativi avo. Nguva haIYO uri kurutivi rwako.
Vana venyu vanogona kutanga kuchengetedza kubhadhara mumakore ekuma20 uye makumi matatu. Iwe haugone.
Vana venyu vakura zvino; regai vamire pamakumbo avo maviri. Chipo chakanakisisa chaunogona kuvapa ndechokuti iwe pachako uri kubhadhara mari.