Nokutarisa pane zvose zvaunogona kuita, unogona kuwana nzira dzokusimudza zvikomborero.
Iwe unogona kutora zviito izvo zvichawedzera huwandu hweSocial Security iwe uchagamuchira. Zvinogona kunge zvisingaiti nguva dzose zviito zvaunoda kuitora, asi seSocial Security inopa mari yakagadziriswa inowedzera nehuwandu hwekuwedzera, kunyange kuwedzera kuduku kwekubatsira kwako kwekutanga kuchaita kuti zvikamu zvakakura zvibatsire gore roga roga pamubhedha wako. Hewa nzira ina iwe unogona kukwanisa kuwedzera zvikomborero zvako.
Gara Nomudzimai Wako, kana Kudavira kune Wawakaroorana Naye
Kana iwe wakaroorana, iwe nemumwe wako munoda kutarisa chisarudzo chako che Social Security seboka. Nokuva nemumwe wenyu makamirira kusvika makumi manomwe kuti mutange maropafadzo aunogona kuwedzera muponesi anobatsira. Uye kana mumwe wenyu aine makore makumi matanhatu nematanhatu kana kuti pamberi paJanuary 1, 2016, unogona kukwanisa kushandisa nzira yekunyora inonzi kushandiswa kusinganzwisisiko kuunganidza zvikwereti zvemhuri kwemakore mashomanana, ipapo iwe unoshandura pane iwe pachako kubhadhara mari apo iwe unosvika makumi manomwe. Vakaroorana vanobatanidza hutano hwavo hwehupfumi vanoti zvingasarudzwa zvinogona kuwana zvakakosha kune avo vasingaiti.
Kana iwe usati waroora, asi iwe wakanga uri munguva yakapfuura (kwemakore anenge gumi) iwe unogona kuva nekwanisi yekuisa mari yekuroorana uye uwane chikwereti kune chirikadzi / mubavha kana iwe wekare iwe wafa. Vakawanda vanorambana havasi kuziva zvavanogona kubatsirwa zvichienderana newaimbova mukana wekuwana mari.
Ongorora zvose zvaunosarudza kuitira kuti iwe unogona kutora nenzira inokupa zvakanyanya muupenyu hwako.
Iva nechokwadi Kuti Une 35 Makore Ebasa Nhoroondo
Social Security inoshandisa makore ako makumi matatu nemashanu akakurumbira yemabasa ekuverenga kuti inonzi chii chaunonzi iwe wega wega inowanikwa muhomwe yemari (AIME). Nhamba iyi inoshandiswa kutsanangura yako yekupedzisira Social Security yekubhadhara mari.
Sezvo kuverenga uku kwakavakirwa pamwero wepakati kana iwe une zero seimwe yenhamba, ichakwevera muvhareji pasi. Kuwedzera yako Social Security benefits rinoita kuti uve nechokwadi kuti une makore makumi matatu nemakumi matatu emakore emabasa ehupfumi.
Shandisa Delayed Retirement Credits
Unoda kuwedzera yako Social Security retirement earnings ne25% kana kupfuura? Chimirira kubhadharira kusvika kune makore makumi manomwe, uye iwe uchaunganidza kuregererwa kwekubhadhara mari. Izvi zvinoshandiswa zvinoshandiswa nekuti kana uchingosvika makore ose ekurega basa (FRA), zvikomborero zvako hazviiti. FRA inotsanangurwa nezuva rako rokuzvarwa. Ive makore makumi manomwe nemakumi matanhatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu apfuura uye zvishoma zvishoma kune avo vakaberekerwa gore ra1960 risati rasvika. Gore rega rega mushure meFR kuti iwe unonoka kutora rubatsiro, iwe uchaunganidza kuwedzerwa kusingaperi muzvibereko zvako zve5-8% pagore. Hapana kubatsirwa kwekumirira kwezera remakore makumi manomwe nemakumi manomwe ekufambisa sezvo izvi zvichiwedzerwa hazvipfuuri mberi kwepamusoro, asi zvinoshanda kusvikira panguva iyoyo.
Max Out Makomba
Hazvishamisi kuti iyo inowedzera mari yako, iyo inowedzera kubhadhara mari yako, ichasvika pane imwe nzvimbo. Mipiro pamusoro pemiganhu yegore negore ($ 127,200 muna 2017 uye yakakonzerwa nekutengesa kwegore negore) haifaniri kutaridzirwa mubatsiro rako kuverenga. Kana iwe uri pasi pemiganhu tsvaga nzira dzekuisa mari mumabasa ako nekuwana zvakawanda.
Izvi zvichava nezvikomborero zvakawanda, chimwe chazvo chichave chiri kuwedzera muwandu weSocial Security iwe uchawana.
Kuita Mat
Kune vakawanda muInternet Security Security calculators iyo inokonzera nhamba uye inojekesa ramangwana rako rinobatsira. Unogona kuvashandisa kuona kuti zvisarudzo zvakasiyana zvingakanganisa sei mari yako. Sezvaunoswedera pedyo nekurasikirwa, iwe unoda kuisa mari yako yepurogiramu muchirongwa chekubvisa mari inosanganisira mari yako, mari uye zvimwe zvekuwana mari kuitira kuti uwane mufananidzo wakajeka wekuti mari yako yekurasikirwa ichaita sei.