Nzira Yokuverenga Nhamba Yakadii Yaunoda Kurega

Verengai gaka pakati pezvaunoda uye zvakachengetedzwa.

Kuti uone mari yakawanda yaunoda kuti ubve pamba , iwe uchada kuva nekufungidzira kwakarurama kwekubhadhara mari yako uye mari yako yakachengetedzwa yekubhadhara mari. Ipapo iwe unogona kuverenga gaka pakati peyo nhamba mbiri, uye uone mari yakawanda yaunoda kuchengetedza kuti uzadze gwa, kana kuti iwe unoda kuderedza mari yakawanda sei.

Iwe unogona kushandisa muenzaniso uri pasi apa kuti uzviverengere iwe pachako, shandisa iri paIndaneti rekushandisa mari yekugadzirisa mari , kana kuti kukoka munhu anoronga mari anoronga kuti akubatsire iwe.

Kuverenga Gap

Fungidzira iwe wakatsunga kuti kuti uwane mari yako yekurasikirwa iwe uchada mari inenge $ 71,000 yemari yakawanda gore negore (nzira yakazara inosanganisira zvaunenge uchizobhadhara mutero), uye kuti Social Security ichapa mari inosvika $ 21,000 pagore.

Mari yako ndeye: $ 71,000 - $ 21,000 = $ 50,000.

Iye zvino unoziva kuti iwe unofanira kutora madhora makumi mashanu emakumi mashanu kubva pagore kubva pakununura kwako uye kuisa mari. Iwe unoda mari yakawanda sei kuti iwe uwane mari yekuita $ 50,000 pagore yemari yekuyerera?

Izvozvo zvinoenderana nezvinhu zviviri:

• Mutengo wekudzorera mari yako inowanikwa.
• Ungave uchida kupedza mukuru kana kusapedza mukuru.

Kana zvikwereti zvichiwana mukana wekudzoka kwe5% pagore, iwe unoda $ 1 mamiriyoni kuti uwane $ 50,000 ($ 1 000,000 x 5% = $ 50,000) pagore yemari, uye usapedza chero mutungamiriri. Izvi zvinoreva makore makumi maviri gare gare iwe uchave uine $ 1 mamiriyoni.

Kana iwe ukasarudza kuti zvakakodzera kushandisa mutungamiri kusvika kune zero nenguva yaunofa, iwe unoda mari inenge $ 704,000 inowana 5% pagore kuti ugare kwemakore makumi maviri nemashanu.

Pakupera kwemakore makumi maviri nemashanu, iwe ungadai wakapedza mari yose.

Muchiverengero ichi chakareruka mhinduro yekuti iwe unoda zvakadini kubhadhara mari kubva pa $ 700,000 kusvika ku $ 1 mamiriyoni.

Kuongororazve Gap

Kuita kuti zvinhu zvive nyore, handina kukanganwa zvinhu zviviri zvakare zvinoshandiswa kugadzirisa kuti muchadirei kurega.

Izvo zvikwereti uye kutarisira upenyu.

Kunze kwekuti iwe unonyatsoziva kuti uchagara kwenguva yakareba sei , zvauchazoshandisa gore rega rega, uye kuti zvakadini zvekuwedzera kwekuwedzera kwezvinhu zvichave, zvinosuruvarisa iwe haugone kuziva mari yakawanda yaunoda kubvisa.

Sezvo iwe usingakwanisi kuziva kunyatsodikanwa kwaunoda, chinhu chinotevera chakanaka ndechekudziridza zvose zviri nani uye mamiriro ezvinhu akaipisisa. Munzvimbo yako yakanakisisa mamiriro ezvinhu iwe unofunga nezvekutsvaga kwekutsvaga kwekutsvaga mari, kutsika kwezvishoma uye kushandiswa kushandiswa. Mumamiriro ezvinhu akaipisisa iwe unofunga pasi pekuvhara kwemajeri ekudzoka, kukwidzika kwepamusoro uye kusatarisira mari.

Iwe unogonawo kutarisa mamiriro akasiyana-siyana apo iwe unonoka kutanga kweSocial Security kusvika kune makore makumi manomwe kuitira kuti uwedzere mari yakakwirira pamwedzi. Kana iwe uchiri kuda kupedza basa pa1966, iwe mari yako inenge yakakwirira mumakore ako makumi matanhatu, asi zvishoma zvakanyanya paunosvika 70. Kuita zvinhu izvi mumararamiro ekubhadhara mari muhedheni kunogona kubatsira kuona zvisarudzo zvingaderedza mari yose zvinoda kubhadhara.