Ziva Zvaunoda Kuti Ude Kurega
Iwe Uri Kuchishandisa Zvakadini Iye Zvino, uye Izvozvo Zvichachinja Sei?
Nzira yakanaka yekutanga kuenzanisa kubhadhara mari yekushandisa mari yekushandisa mari yako ndeyekushandisa mari yako yemwedzi inotora kumusha semusha wekutanga, uye wobvunza mibvunzo mishoma. Shandisa mibvunzo inotevera inokutungamirira kuburikidza nekuita izvi:
- Chii chaunotora pamwedzi? (Izvi ndizvo zvinowanikwa kwauri mushure mokubviswa kwose kwemitero, hurongwa hwekubvisa mari, inshuwarisi, nezvimwewo)
- Ndezvipi zvinodhura zvinobuda mubhadharo rako iwe zvaunofanira kubhadhara kunze kwehomwe kana iwe uchirasikirwa? (Somuenzaniso, inshuwarisi yehutano.)
- Ndezvipi zvimwe zvinowedzera mari zvaunoda kuronga panguva yekurega basa ? Izvi zvinosanganisira zvinhu zvakadai sokufamba, kana mari yakawedzerwa yemari yekuchengetedza utano.
- Iva nechokwadi chekuvaka mune mari yegore negore yezvinhu izvo pakupedzisira zvinoda kushandiswa panzvimbo dzakadai sekugadziriswa kwemusha kukuru kana kutenga motokari.
- Iwe une mari inoderedza iyo inoderera pakurega basa? Somuenzaniso, kana uine nguva refu yekushanda, bhadharo dzako dzinogona kuderera mushure mokurega basa. Kana iwe uchifanira kupfeka kuti ubudirire kubasa, zvichida mukurasira, yako yakaoma yekuchenesa mari ichaderera.
Muenzaniso:
- Mazuva ano kubhadharwa kumusha: $ 4 300 pamwedzi ($ 51,600 pagore).
- Mariro yakafukidzwa nemushandirwi wako achabuda kunze kwekambani akasiya basa: ikozvino mushandi wako anopa zvikwereti zvemishonga yako yemainishuwarenzi yehutano. Iwe unodzidza kuti kana wapera mubhadharo iwe uchabhadhara $ 350 pamwedzi ($ 4 200 pagore) nekuda kwekugovera.
- Zvimwe zvinodhura: Unoronga paunenge uchienda kune imwe nzvimbo, saka unoronga mari inopfuura $ 500 pamwedzi ($ 6,000 pagore) kuti uende.
Mushure mekunge uine zvikwereti zvose, unofungidzira kuti mari yako yese yekurega basa ichava $ 5,150 pamwedzi, iyo iri $ 61,800 pagore.
Chenjeri: Tora nguva yako nechigamba ichi. Iwe unofanirwa kuziva zvakawanda kana zvishoma kuti iwe uchapedza mari yakawanda sei kuti uone kuti iwe uchada zvakadini kuti usiye basa .
Imwe yezvikanganiso zvakanyanya zvandinoona vakasiya mari ndeyekufungidzira kuti vachada mari yakawanda sei kuti vashandise mutirano kuti vave noupenyu hwakanaka. Vanopedzisira vava kudarika nokuti vakashaya zvinhu mumutauro wavo wokutanga wemari yekurega mari. Zvinhu zvakanyanya kuwanikwa zvinorasikirwa zvinoitika gore negore zvinhu zvakadai sematoro edzimba uye mari yemishandiro yerurimi, mari yekurapa yakadai sezino meno, kutarisira kwameso, uye kunzwa, uye nguva dzinoshandiswa semari yekuchengetedza kumba uye kugadzirisa motokari.
Ongorora Mutero Waunofanira Kuita Pamutoro Wemari
Kunze kwekuti iwe chete iwe unopa mari yeSocial Security, zvinenge zvichida iwe uchabhadhara mitero mukurasikirwa . Iwe unogona kushandisa inofungidzirwa mutero wehutori, hwakadai se25%, izvo zviri nani kudarika kusabhadhara mitero zvachose. Zvisinei, kuti uwane ine dollar yakakwana kusvika kune bhadharo, uye kugadzirisa mutero wako wekubhadhara kana kutora kwedzimwechete, iwe uchada kuita tsananguro yemitero. Kuongororwa kwemitero kuongororwa kwaunoita usati wasvika kwegore-kare kunokuratidza kuti kutora kwako mutero kuchaita sei.
Sei kubhadhara mutero kwakakosha?
- Kana iwe uine chikwereti chekubhadhara chikwereti, nzvimbo yekubhadhara mari, uye / kana huwandu hwemari yako yekusarura huchauya kubva kumarima asiri mukati meurongwa hwekubvisa mari, iwe unogona kubhadhara mari shoma mutero kamwe chete paunotora mukana.
- Kana iwe uine mari yepensheni, uye / kana huwandu hwemari yako yekubvisa mari ichauya kubva pamigwagwa yekubvisa mari yakadai seIRAs kana 401 (k) s, uye / kana imba yako inobhadharwa, mutero wako wekubhadhara muhutano ungasimudza kupfuura iwe funga.
Nokuda kwekuita zviri nyore, uye kuti tirambe tichiita muenzaniso wakatanga pamusoro, tichashandisa inofungidzirwa mutero. Ngatiti munhu uyu mumuenzaniso wedu achave ari mu15% yemukero wematero, uye kuti zhinji yemari yavo ichauya kubva kubhadhara rekurega mari (zvinoreva kuti zvose zvinotengesa).
Kuverenga:
- $ 61,800 / (1-.15) = $ 72,705
Muchiverengero chiri pamusoro apa, kugovana nemari yako inowanikwa ne1 kudarika bhadharo yako yakatarwa yemutero ichakuudza chikamu chemari yakawanda iwe unoda kubhadhara mitero yako uye kusangana nemamwe mari yako.
Izvi zvinotevera kusununguka zvakaratidza kuti vachada mari inenge madhora 73 000 emari yakawanda gore negore kuti vasiye basa.
Kuti ujekeswe, heino kuputsika kwemari yakawanda, mitero, uye mari inoshandiswa mumuenzaniso:
- $ 72,705 x .15 = $ 10,905 (inofungidzirwa mitero)
- $ 61,800 (kurarama mari) + $ 10,905 = $ 72,705
Kana uchinge uine kukosha kwehuwandu hwaunoda kuti upedze gore rega rega, enda kune rimwe danho rinotevera mukugadzirisa, uye tanga kuwedzera matsime ako akavimbiswa ekuwana .