Tarisa Kwete Kupfuurira Kupfuura Mafambiso Ekubhadhara Kwepamusoro Earners
Zvingakushamisa iwe kunzwa kuti maererano neDhipatimendi reUnited States of Labor, vanyoro veAmerica vanopedza zvishomanana pazvokudya uye utano hwehutano kupfuura huwandu hwe10% hwevanowana mari. Panguva imwecheteyo, boka iri riri kuita mari inopfuura 16% yemari yavo mune ramangwana ravo, iyo inosvika pedo ne $ 20ka gore. Mapoka emapato mashoma ari kushandisa mari kupfuura zvavanowana. Kunyange zvazvo zvingaita sezvisinganzwisisiki kuti vashandi vanonyanya kuchenjerera nemashandiro avo ekushandisa mari, zvinogonawo kuita kuti vanhu vafunge nezvekugadzira mari yavo yekushandisa kufanana neavo vanowanikwa mari yakakwirira.
Zvechokwadi, izvi zvinogona kunge iri danho guru rekutanga kune chirongwa chako chokubata basa.
Vashandi kushandisa miitiro inongova chinhu chimwe chete chinokosha chepisidhe pavanenge vachiedza kuchengetedza pfuma yakawanda. Kune dzimwe tsika dzakawanda dzevapfumi vakazviisa muhupfumi hwakanaka, dzakawanda dzaunogona kuenzanisira kuti ugadzirire pfuma yako yekurasira. Usakanganwa kuti kuva mupfumi mukurasikirwa kune zvekuwedzera kungoita sebhangi rakanaka rebhangi. Iko zvakare nezvekufara uye hutano, kugara wakabatikana, uye kuva nezvakawanda zvezvinhu zvinokosha.
5 Nzira Dzokuenzanisa Mupfumi Wekuteerera Maitiro
Kuchinja chirongwa chemararamiro ekurega basa kukubatsira iwe.
Vapfumi vepfuma vanoziva kuti ivo vachada kuverenga pane zvinongoratidzira mararamiro avo emararamiro ekugara zvakanaka uye pasina rusununguko rwemari. Hazvisiri kukwanisika kufunga kuti kurarama kubva kune Social Social benefits uye yako 401 (k) uye zviyero zveIRA zvichagovera zvakakwana kuti upfumire pfuma.
Chimwe chekudzidza Vanguard munguva pfupi yapfuura inoratidza kusiyanisa pakati pemaitiro echekare uye "mutsva" kurega kusununguka. Neyo tsika yemitambo, mari yekubvisa mari inosanganisira kusanganiswa kweHuman Security uye pensions pensions. Asi iyo mutsva wekutsvaga mari inoratidza kuti mari inogona kuwanikwa kuburikidza nemari yezvivako zvezvivako, mabhizinesi ezvimabhizimisi, mitero inoshandiswa kwekutsvaga mabhuku, mabhengi eakaiti uye inotsigira inshuwarisi michina
Urarame pasi apa zvaunogona.
Zvatove zvichiratidzwa pachena kuti vapfumi vakapfuma muAmerica vanopedza zvishoma mari yavo yepamusha pamusha pane zviduku zvepabheji zvepasi. Nokuti iwe unogona kuwana imba inoputika haireve kuti ndicho chisarudzo chakanakisisa iwe uye ramangwana rako. Kurarama muimba ine mwero iwe unogona kubhadhara usati waenda kubhadhara ichakuvimbisa rusununguko rwemari iwe haugoni kukunda.
Kudhura tsika.
Zvakare, vapfumi veAmerica vari kurarama pasi pezvavanokwanisa uye kuchengeta kushandiswa kwemari yavo. Maererano nesangano rimwechete reUnited Labor of the United States sezvakataurwa pamusoro apa, sevatengi vanova vapfumi, kushandiswa kwemari kwavo kunowanzochinja zvikuru.
Tsvaga chikwereti.
Tarisa pamari yako serusununguko uye mukana. Kuva nemari yekubhadhara zvikwereti zvako kunounza hutsva hunyaradzo apo iwe unotora mararamiro uye wakagadzirira kunakidzwa nezvinhu zvose basa rako rakaoma rakawana. Vanoponesa simba vanorega 20% yemari yavo mumari yekuchengetedza uye vanobhadhara anenge 30% mumitero, iyo inosara hafu yemari kuti inorarama. Ramba uchizviyeuchidza iwe pachako kuti chinangwa chekuponesa nekuderedza chikwereti chako mutoro kukuisa iwe mukana wekuita izvo zvaunoda mukurasira, pasinei nekufamba, kutevera zvido zvako, kana kupedza nguva nemhuri.
Sarudza pamari.
Ichokwadi kuti vapfumi vakapfuma vane marudzi akasiyana-siyana emari uye mari inopesana nemafambisirwo emagariro evanhu. Iwe unogona kunge uine dambudziko kusarudza pamusoro pemhando yemari yaunoda. Kuti akubatsire kunze, chokutanga, sarudza mararamiro aunotarisira kurarama iwe paunopinda basa. Unoda kugadzirisa zvivako zvekuvakira here? Iwe unoda kuramba uchishanda chikamu-nguva kana kutora basa rekusununguka? Mhinduro dzemibvunzo iyi ichakubatsira kuona zvimwe zveimwe mari yaunogona kuuya nayo sekusununguka uye mararamiro emari achashandira mararamiro ako.
Busier retirees vanofara zvikuru pavakabhadhara.
Munguva pfupi yapfuura, kuongorora kwemazuva mashanu kwevanhu 350 kubva kumitengo yose yekuwana kwakaitwa kuratidzira kusiyana kwekuti mabhizinesi akasiyana sei anorarama. Chidzidzo chacho chakawana kuti vapfumi vakazadza nguva yavo nemabasa ekuzvigadzirisa sekuita kwakanaka, kuverenga nokunyora, uye kuisa pamwe zuva nezuva ku-kunyoresa iyo yavakapedzisa zvishoma ne70% kubva pakuguma kwezuva.
Vapfumi vepfuma vanogadzirisawo zvekuita zvinhu zvinokosha. Tsvaga zvinokufadza, fara zvizukuru vako, uye uone chinangwa chako.
Kuva mupfumi mukurasira hakusi kure, uye nekuenzanisira zvimwe zvezviito zvevanowana mari yakakwirira, iwewo unogona kuva zvakanaka munzira yako.
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo