Paunenge uine 80 Hauzove Uine Chisarudzo Chake Kuita Unhu Hwako Waunacho Nhasi
Paaiva kumba kwebaba vake vachigadzirisa zvinhu zvake, foni yakaridza. Mwanakomana wacho akapindura foni, uye mukadzi ari mumutsara aida kuziva kuti mari yake yakavimbiswa kupi.
Sezvo mwanakomana akatanga kukumba, achiedza kuziva kuti mukadzi uyu aiva ani uye kuti baba vaimbovepi, akawana hovha yemari risiti yemari, zvose nokuda kwemari yakapiwa kune baba vasina kumbozivikanwa baba vainge vawana paIndaneti. Zvose? Vanopfuura $ 90,000.
Chii chakapiwa murume uyu kuti atange kupa mari yake kuvanhu vasingazivikanwi? Kunyange zvazvo pasina munhu anogona kugona kunyatsoita kuti vabereki vaite zvisarudzo, chii chingave chakaitika ndechokuti akawana kuderera kunowanzoitika mukugadzirisa uye kuverenga mari izvo vazhinji vedu isu vanhu tichaona patinenge takura. Uku kuderera kunotanga pamakore anenge 60.
Mune 2011 mapeji ekutsvakurudza, Old Age uye Kuramba Kwekunyora Kwemari, Michael Finke, John S. Howe naSandra Huston vakaongorora nyaya iyi nekuyera chiyero icho ruzivo rwemashoko ezvakakosha zvakakosha kuti kusarudzwa kwezvemari kushandise kunopera mushure memakore makumi matanhatu. akagumisa,
"Ichitenderana nedzidzo dzepakutanga dzekugumburwa kwemagariro ekukwegura, tinoona kuti mari dzekuverenga nekunyora mari dzinoderera neenenge imwechete yepakati pegore rimwe nerimwe mushure mezera remakore makumi matanhatu ... Kana zera rakatarirwa mumapoka emakore mashanu, vakapindura makore makumi manomwe kusvika kune makumi mana vane kudzikisa zvishoma nezvemari yekuverenga nekunyora kune vanopindura makore 60-64. "
Kunyange zvazvo kuverenga mari (kureva kuva nekwanisi yekushandisa ruzivo nenzira yakarurama mukugadzirisa kusarudzo kwemari) kuri kuderera, kuvimba kwedu mune zvatinokwanisa kunoramba kwakakwirira. Bhuku reFinke / Howe / Huston rinoenderera mberi richiti,
"Kuvimba nekugadzirisa kusarudzo kwezvemari hakurevi nezera.Kukana kwekunyanya kuzvidzora nemuzivo wezvemari kunowedzera nezera.Zvamwe gore rezera shure kwe makumi matanhatu rinowedzera mikana yekuva nechivimbo chakasimba uye zvishoma zvekushaya mari yekuverenga nekusvika 7 muzana."
Izvi zvinopindirana nemigumisiro yekudzidza 2015 neCentral for Retirement Research kuBoston College, Kukwegura Kunobatsira Sei Kusarudza Kwemari? , iyo yakawanikwa,
"Iyo huru inopera mukugadzirisa uye kuverenga mari haisi kuita kuti munhu akwegura ave nechivimbo mune ruzivo rwezvemari, uye hachisi chinhu chinoitika pakuvimba kwavo mukutarisa mari yavo."
Kana iwe uri muchecheti, kana kuti uchangobva kubhadhara, izvi zvinofanira kunge zvine hanya newe. Mumunda wehutano hwehutano, kunyanya kuzvidzora ndeyezvizivikanwe mukutambura kwekusarudza mari mune zvemari. The Center for Retirement Research inowedzera kuti,
"Zvichida hazvishamisi naizvozvo, vanopfuura hafu yevaya vane ruzivo rwakanyanya rwokugadzirisa vanochengeta basa guru rekutarisira mari yavo."
Ndezvipi zvinoguma migumisiro yekuita zvisarudzo zvemari nemafungiro ekufungisisa paunoderera? The Center for Retirement Research inogumisa,
"Zvichibva kuwedzera kukundwa kwevakabhadhara pa401 (k) / IRA kuchengetwa, kuparara kwekuziva kungangove nechinowedzera kukanganisa kuhupenyu hwevakwegura."
The Finke / Howe / Huston mapepa matsvakurudzo anotsvaga kutsvakurudza anobvumirana,
"Kunyatsoziva, uye kunyanya ruzivo rwemasvomhu rwemutungamiri wezvokuita mari, ndiyo yakasimba yekugadzirisa kwekwanisi yekudzivisa kubvisa mari yakakosha muupenyu hwemangwana (Smith, McArdle uye Willis, 2011) uye mukuita zvikanganiso zvemari zvishoma (Agarwal na Mazumder , 2013) .... Somuenzaniso, Korniotis uye Kumar (2011) vanoratidza kuderera kwekuita kwekutsvaga kwekuita majekiti kuti mirara inocherechedza ichinge ichinge isingakwanisi kugadziriswa nezera. mune ruzivo rwezvemari uye kukwanisa kushandisa zivo nenzira yakarurama kune kugadziriswa kwezvisarudzo zvemari. "
Chii chaungaita pamusoro peizvi? Danho rokutanga nderokuzviziva. Zvinosuruvarisa, isu tinowanzoramba mukuramba kwezvatinokwanisa kuita. Asi tsvakurudzo inoratidza avo vanoziva nezve dambudziko rinogona kutora chiito chakanaka. Finke / Howe / Huston vanoti,
"Pakati pevakwegura mukati memaitiro akafanana ekugadzirisa mazano, kune chido chokuramba uchapupu hwekudzikisa mano ekufunga. Somuenzaniso, vanodhairi vekare havaoni kuora kwehutano hwavo hwekufambisa pasinei nekudengenyeka kunofanirwa kwehutano hwehutano nehukuru hwakakura (Holland uye Rabbitt, 1992) Zvisinei, vanotaura kuti avo vakaona kuderera kwezvavanogona, uye avo vakatora chikonzero chekuedza chinopa uchapupu hwekuderera, kuchinja mufambiro wavo wekufambisa kugadzirisa mikana yekupinda munjodzi. "
Kana iwe ukatora matanho mberi iwe unogona kudzivirira pfuma yako kubva pane zvisarudzo zvisingaiti zvakanaka izvo ramangwana raunogona kuita.
Finke / Howe / Huston anopedzisa,
"Kurasikirwa kwehutano hwemari hakungatungamirire kuhutu hwekushaya mari kana vanhu vachiziva uye vachifungidzira kupera." Somuenzaniso, kukoshesa unyanzvi hwekutsvaga hutsva kunogona kuwedzera chido chekugadzirisa mari kana kuti kuendesa kwezvakakosha zvemari kumushandi akavimbika. "
Nguva yakanakisisa yekuita chiito iri mumakore ekuma makumi mashanu nemakumi matanhatu apo ruzivo rwako rwekuziva huri kuwedzera. Iyi ndiyo nguva yekuita chirongwa chekuita icho iwe mukuru iwe unogona kutevera. Chirongwa ichocho chinofanira kunge chine chokuita nekuwana mazano kune vaduku kupfuura iwe.
Uye kungoona kuwana mupi wezano hakuna kukwana. Iwe unoda mupiridzi wekodzero yepamutemo yekuita zvakakunakira iwe (kwete, kwete vapeiri vese vane izvi zvinotarisirwa kwauri).
Iwe unodawo kutanga chirongwa chekuita chakanyorwa nevarayiridzi vako uye / kana nhengo dzemhuri kuitira kuti vazive chavanofanira kuita kana vakatanga kutarisa maitiro emari asingaoneki seanowanikwa. Pane imwe nhengo yemhuri here kana chiremba wezvechiremba waunoda kuti vauzi vako vauye? Kana zvakadaro, vapei mvumo yekuita izvi nekunyora.
Chimwe chinhu chaunogona kuita: svika kune vakwegura vemhuri. Ramba uchibatanidzwa. Ita kuti varambe vachibatana newe. Vashanyire nguva dzose. Tsvaga nguva yekuva nehurukuro yekukurukura navo kuitira kuti uzive zvavanoda uye zvavanoita nenguva yavo. Tsvaga kana vane zvitsva zvitsva (zvakadai sedare rekutengesa internet) kana shamwari ipi zvayo itsva yavanoona nguva dzose.
Iva nechokwadi kuti vakaita urongwa kuitira kuti kana chirwere chinokurumidza chiitiko chikaitika mumwe munhu aigona kukwanisa kubhadhara zvikwereti uye kugadzirisa nyaya dzavo. Uye zivai kuti vangangoti ivo vakanaka uye havadi rubatsiro rwenyu (kunyanya kuzvivimba). Uyewo ona kana iwe usingaise zvirongwa panzvimbo ino, munhu uyo akaoma angave iwe mumakore makumi maviri.