Mazano anobatsira vakaroorana kuronga kuti vashande pamwe chete
Vakaroorana vatsva vanowanzova nemari yakawanda yekugadzirira kuita: imba yokutanga, vana, bhazi rezororo, dream house, yekoroji mari. Zviri nyore kunyatsocherechedza kana kusava nehanya nekugadzirira basa rako rekurega basa. Usarega izvi zvichiitika. Iyo makore endarama inogona kunge yakanakisisa yewanano yako, kana iwe unonzwisisa imwe yeramangwana dzezvinangwa zvevamwe, zvido uye zvinotarisirwa. Heano mazano matanhatu ekugadzirira kurasikirwa semurume nemudzimai.
01 Kurukura Nezvaunoda-Zvirongwa Zvako
Gara pasi newawakaroorana naye uye mugoverana mumwe nomumwe wenyu basa rako rakanaka. Mumwe wenyu angafungidzira kuti aizodzokera kumashure makumi mashanu kana mumwe achifara kushanda nekusingaperi, iwe unogona kurota yeimba mune imwe nyika apo wako wako achifananidza kushandisa mari yako yegoridhe mune motokari yemusha. Nokukurumidza iwe unoziva chinangwa cheumwe, nguva yakawanda iwe unoshanda kushandura kuyanana uye zvakakagadzirirwa zvakagadzirwa. Mumwe nemumwe wenyu ndiye anozoita basa rako rekurega basa, asi sezvaunoita zvisarudzo zvemari nhasi pamwe chete unofanira kuchengetedza kubhadhara pamwe chete. Ko wako wako ari kutora chikamu mune 401 (k) here? Kana zvisina kudaro, iwe unogona here kuwedzera zvishoma zvekare kusati kwabhadhara mari kune zvauri kuronga kuti uite zvinangwa zvako? Kana mumwe wako asiri kushanda kunze kwemusha, unogona kufunga nezveSpousal IRA, iyo inokubvumira kuisa mari padziri mubhadharo rekutsinhanisa kwemitero kuitira kubatsirana nemudzimai asingashandisi. Vakaroorana vane mukana mukuru wekuwedzera hupenyu hwehupfumi hwehupfumi hwevanhu kuburikidza nekuita nguva yavo pachavo nevakaroorana varo nenzira yakarurama. Nzira iyo inobva pane iwe, zera rako, nguva yekutaura kwako uye wako wako. Chimwe chekuchenjerera kuronga mumakore asati asvika makore makumi matanhatu nematanhatu, iyo yekutanga paunogona kutanga kuunganidza, inogona kuita mutsauko mune yake uye mari yakavimbiswa nayo yeupenyu. Zvichienderana nezvesimba rako muupenyu, unogona kuverenga kuti uchada zvakadini pakurasikirwa. Zvichida iwe unofunga kuti iwe unogona kuita bhajeti basa nehafu yemari yako yazvino, asi wako wako anoda mararamiro achada mukana wakafanana wemari yaunowana nhasi. Kurongedza izvi zvinotarisirwa zvichakubatsira kuvaka chirongwa chinowedzera. 05 Chengeta Vabatsiri Vako
Yeuka pawakatanga iwe 401 (k)? Iwe waifanira kuisa zita remumwe kana vamwe vanobatsirwa, vanhu vanozogamuchira mari kana iwe uchifanira kupfuura. Iva nechokwadi chokuti ruzivo urwu rwakavandudzwa sezvo ruchienda kune imwe nguva sezvinobvira, uye ruchidzokorora mushure mechiitiko chipi nechipi cheupenyu, chakadai sechato, kuberekwa kwemwana, kurambana kana kufa kwemhuri. Kuchinja vatsigiri vako kunogona kuitwa nyore nyore kuburikidza nekubatana nekambani yako yekutengeserana kana iwe uine IRA kana mumiririri wevanhu vanotungamirira 401 k) hurongwa hwekambani yenyu. 06 Usatora Pamba Panguva Yakadaro
Tora kubva kune mumwe munhu akaregererwa uyo akazviita, achibvisa pane imwe nguva iyo mudzimai wako angaita sekunakidza, asi chaizvoizvo kune zvigadziriro zvakawanda zvinonetsa kuti vanhu vaviri vauye pamwe chete. Nokuderedza basa rekurega basa, mumwe nemumwe anowana maonero akanaka pane zvaanoita zuva rega rega, maitiro, zvido uye hupenyu hwemagariro kunze kwemusha. Kana iwe uri kufara wakaroora, haufaniri kutaura nezvekurambana maererano neurongwa hwako hwekurega basa. Asi kana imba yacho ichiuya kusvika pakuguma, mari yekurasikirwa iri patafura, uye iwe unofanira kushanda kuti uchengetedze pfuma yako yekuchengetedza basa uye chirongwa chenguva refu. Kuparadzaniswa kwemari yemhuri kunogona kuwedzera kune zvirongwa zvekurega basa, zvinosanganisira chimwe chinhu chinonzi yakakodzera hukama hwehukama huri (QDRO) kuti iparadzise mari yacho pasina kutanga kutora chirango. Iwe unogonawo kuva nekodzero yokutsigirwa nemudzimai mukutora basa. Vakaroorana kana vakaroorana vakaroorana vanofanirwa kuchengetedzwa kweSocial Security pamashoko edzimai.