Chimwe chakanaka chakanaka ndechekuti mari yako iripo inokosha - iyo inongororwa inowedzera nokuwedzera mari yako yose nezvimwe zvinhu uye kubvisa zvikwereti zvako.
Usanetseka nezvekuramba uine shamwari dzako pane iyi nhamba inokosha-panzvimbo pfupi, dzidza mambure anokosha akakodzera iwe unofanirwa kurova panguva imwe neimwe.
Mumakore ako makumi maviri
Edza kusazvidya mwoyo pamusoro pematare ako akakosha paunenge uchangobva kutanga - kana uri kubuda kunze kwekoroji uye nevadzidzi vechikwereti, zvinogona kunge zvisina kunaka!
Panzvimbo pezvo, taurai pakuvaka mumatare enyu anokosha. Iwe unofanira kutanga nokukurumidza kana uine basa rako rokutanga. Zvizhinji zvemakambani anopa chirongwa chekuchengetedza basa, 401 (k) kana 403 (b) . Kana iwe usina chirongwa ichocho chekurega basa, unogona kuchengeta iwe pachako neRoth IRA . Runako hwemakosheni aya ekubvisa mari ndeyekuti kana mari yako ichibviswa kubva pamari yako uye ikaiswa mari, iyo inogona kukura uye yakawanda kusvikira iwe wabvisa mari paunotora basa. Bheti yako yakanakisisa ndeyokugadzirisa kushandiswa kwekutengesa kweanenge 6 kubva muzana kusvika 10 kubva muzana yemari yako mukodha rako rekubvisa mari uye uriisa mari yacho mumatanda.
Zvadaro, tora mambure ako okutanga akakodzera kunowanikwa pamakore makumi matatu.
Net Worth pamakore makumi matatu
Pakazosvika makore makumi matatu, chinangwa chako ndechokuti uve nechiyero chakaenzana nehafu yengoro yako yakachengetwa muhotera yako yekurega. Saka, kana iwe uri kuita $ 60,000 mumakore ako ekuma20, edza $ 30,000 yekodzero yakaenzana nezera remakore makumi matatu nemakumi matatu. Izvo zvakakosha zvinogoneka kuburikidza nokuchengetedza uye kuisa mari.
Ngatitorei iwe uchitanga kutenga mari $ 3,466 gore roga roga ($ 288 pamwedzi) kutanga pamakore makumi maviri nemaviri; kana bhadha yako yekubhadhara inowana 7 muzana gore negore, iwe uchasvika $ 30,000 yekodzero inosvika makore makumi matatu.
Kana izvi zvichitinhira zvakanyanya, kana iwe uri kutanga kutanga nebasa rako, usanetseka: Aya ndiwo mazano ekuchengetedza, kwete mitemo yakagadzirwa mumabwe.
Net Worth pazera remakore 40
Pakazosvika makore makumi mana , chinangwa chako ndechokuti uve nekodzero inowanikwa kaviri yenguva yako yegore rega rega. Saka, kana mubhadharo wako uchikwira kusvika ku $ 80,000 mumakore ako ekuma makumi matatu, zvino kana wava nemakore makumi mana makumi mana, iwe unofanira kuedza mutevedzeri we $ 160,000.
Iwe unogona kuvaka mumbure wako mune dzimwe nzira pane kungoita kuti uwane maakisi ako epamberi. Kuva neimba yepamusoro kune imwe nzira yekukura kwako mari yakakosha. Kufanana nedzimwe mhando dzemari dzemari, dzimba dzepamusoro dzichikoshesa kupfuura nguva. Pakupedzisira, rubatsiro rwekutsvaga muimba yekutengesa ndeyekuti chikwereti chako chiduku chinokura zvishoma nezvishoma, sezvo kukosha kweimba kuchiwedzera.
Net Worth pazera remakore 50
Pakazosvika makore makumi mashanu, chinangwa chako ndechekuva nematare inokwana 4 nguva yako yegore rega rega. Kana iwe uri kuwana $ 100,000 mumakore ako makumi mana, ipapo mambure ako akakodzera pakunamakore makumi mashanu ari $ 400,000. Izvi zvingaita sezvinongoita zvakawanda, asi nokutanga kuchengetedza nekugadzirisa nguva isati yava munhu mukuru, nguva ichashanda magic ekuwedzera.
Uye kana iwe uchitanga gare gare, chengetedza hutsinye.
Mumakore ekuma40 unogona kuva nevana vachikura uye vachienda kuchikoro. Usarega kuzvisarudzira iwe pachako nekuchengeta vana vako, avo vane upenyu hurefu kuti vawane ivo pachavo. Kurudzira vana vako kuti vashandise uye vagovhura zvimwe zvezvavanoita. Uye kana uri kuwira kumashure mune zvinangwa zvako zvemari, zvino tora rutivi rwunoita kuti uwedzere mari yako.
Net Worth pamakore 60
Pakazosvika makore makumi matanhatu, iwe uchange uri munzira nekodzero inokwana 6 nguva yemari yako yegore negore. Kana mubhadharo wako uri mu $ 100,000 kusvika ku $ 160,000 inowedzera uwedzere chiyero ichocho ne6, uye ndiwo mutevedzeri wako unokosha .
Parizvino, mari yako yezvikwereti yakakosha yakawanda pamusoro pezvaunenge uchida kuita zvekurega mari. Zvichienderana nezvamunogara, uye mararamiro ako, izvo zvinoda zvichasiyana. Mutemo wakafanana wechigunwe ndewokutsiva 85 kubva muzana yemari yako yekushanda mubasa rekurega basa.
Kana uroti hwako hwekusiya basa hukuru uye hunosanganisira kufamba kwakasiyana, ipapo ungada zvimwe. Zvimwe, kana uri kutsvaga kubata basa rakadzikama mumunharaunda unogona kutenga, ipapo iwe unoda zvishoma. Pakupedzisira, kana iwe uchida kubvisa pamba, iwe unoda ruzivo rwakakura kune avo vakwegura vachitarisa kushanda kusvikira vava makumi manomwe kana kupfuura.