Tsvaga Gwaro, Zadza Gwaro, Uye Ita Nhamba
Nzvimbo yekutanga kutanga ine mamwe kuverenga. Kushandisa retirement calculator zvichienderana nemari yako chaiyo, panzvimbo yevhareji yakarongwa, inogona kukubatsira kuziva rudzi rwehupenyu hwaunoda mukurasira uye kuti mari yako yekurega mari inoda kuratidza izvozvo. Iwe unogonawo kushandisa 401 (k) kuverenga kuti uone kuti zvipo zvako zvinowedzera sei iwe uchigadzirira kubhadhara.
Tsvaga gaka ugoza gaka
Iye zvino zvawaita maverengi ako uye une dzimwe nhamba chaiyo kuti utarise, inguva yekuziva chirwere uye unouya nechirongwa chokuzadza gomo. Chiyero ichi chinoreva kusiyana pakati pezvokuchengetedza mari yako uye mari yako yemwedzi. Iyi ndiyo gwaro risingagumi raunoda kuzadza, uyewo chiyero chinoda kuchinjwa kupfuura nguva nekuda kwekuwedzera kwezvinhu. Mukurasikirwa iwe uchada kuwana nzira yekugadzirisa dendere rako mazai kuti uwane mari yakasimba yekuwana mari iyo inogona kuzadza gomo iri risingafaniri kushandisa mari mumari yako.
Nzira yekuzadza chikamu ndeyokutanga kugunura nhamba uye funga zvinhu zvinoshandisa nhamba iyoyo uye mari yako. Nyora iri pasi apa inofungidzirwa zvinhu zvishanu zvaunofanira kuita, asi funga mupfungwa kuti pane dzakawanda.
1. Chikamu chebasa. Kana ukaronga kupedza basa, iwe unenge uchiri muduku zvakakwana kuti urambe uchishanda.
Kushanda chikamu-nguva ndiyo nzira yakanakisisa yekuita mari yakawedzerwa mari yako yekuchengetedza uye kukudzivirira kuti usanyanya kubvisa mari yako yekuchengetedza mari. Vakawanda vakasiya basa vanofunga kuti kushanda pamwe-nguva kunowedzera kuhupenyu hwavo. Kana iwe ukawana basa remaawa mashoma mumunda unoda, iwe unogona kunakidza kuchengeta uropi hwako huchishanda nekuzvitsigira iwe pachako mari yako yokurasikirwa ichikura. Vamwe vakasiya basa vanofarira kutora mapurogiramu ekubvunzurudza nguva. Kutarisa inzira yakanaka yekubhadhara zvimwe zvezvinhu zvakafanana zvawakanga uchiita zvakanaka iwe usati warega.
2. Hapanazve chikwereti. Nzira huru yekugadzirisa mari yako ndeyekubhadhara chikwereti chako. Kupa imba yako pasina uye kujekesa kwete kungokupa rugare rwepfungwa, asi kunopawo mari yako yekurega mari inoshanduka. Mutemo wangu mukuru wegumbo ndeyekubhadhara chikwereti chako kana iwe uchigona kuita izvi usingashandisi chikamu chimwe chetatu chekusasiya mari yako. Kana iwe usingazivi kuti unotanga kupi, tora pano nokuda kwezviyero zvina zvakaedza uye zvechokwadi kubhadhara chikwereti chako.
3. Utano. Iwe haungakwanisi kupiwa Medicare kusvikira wava nemakore makumi matanhatu nemashanu, saka uchibvisa matanho ekutanga kuchengetedza utano hwako mupfungwa. Iwe unofanirwa kutarisa mumutemo wega wega kana iwe usisiri kushanda kuti utarisire zvido zvehutano hwako kusvikira Medicare yako inopinda.
Iwe unogonawo kutarisa mune dzimwe nzira dzakadai sekugara kwenguva refu. Utano hwehutano huchasiyana zvichienderana nezera rako uye zvinobatsira, saka chengorora zvose zvaunogona.
4. Mitero, Kuponesa, Upenyu (TSL). Iwe unoda kuongorora kuti uri kutora mari yakawanda sei nekuwandisa kwaunoita. Kushandisa TSL zano inzira yakanaka yekuita izvi. Ita mari yako muzvikamu zvitatu: mitero (30% yemari yako yakawanda); kuchengetedza (20% kusvika kune 401 (k) kana kubhadhara chikwereti); uye hupenyu (50% yehumba, zvokudya, uye zvimwe zvinodiwa). Izvi zvinokubvumira kuti urarame nehafu chete yemari yako yose mwedzi wega wega, uchigadzira dendere rakanaka kwazvo yekuti iwe uite basa.
5. Kuranga. Kubvisa kare kunokwanisika, asi kwete pasina kushanda zvakaoma uye kuranga. Kuona mufananidzo mukuru kunokosha, saka ramba uri mupfungwa iwe unoda kuti kubvisa kwako kurege kuonekwa sechikonzero chekuita zvisarudzo zvakanaka ikozvino.
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