Wakatungamira kuti uchengetedze kubhadhara
Asi pane dzidziso yekukwikwidza inoti iwe unofanirwa kubhadhara bhadharo kubva kune mararamiro aunoronga kufara, kwete mari yaunowana ikozvino.
Kuti tijekese pfungwa iyi, ngatimbofungidzirai mana maonero evanhu.
Adhamu naAlison: Inorambidza Basa
Adhamu naAlison vakasiya basa. Hapana chimwe chazvo chinokonzera mari. Vanowana mari kubva kumapenheni avo, avo 401 (k) kubvisa, uye Social Security. Misha yavo nemotokari zvakabhadharwa zvachose, uye vane chikwereti-pasina .
Vanorarama zviri nyore. Kazhinji manheru vanodya kudya kumba, uye vanonakidzwa nezvinhu zvisina mari zvakadai sekurima, kubata, kutamba nevana vavo uye vachifamba imbwa.
Bob naBarb: Vakasununguka Kurega
Bob naBarb vanopinda mujeri. Hapana kana imwe chete inobereka mari, uye saAdam naAlison, vanowana mari kubva kumari yavo uye 401 (k). Misha yavo nemotokari zvinobhadharwawo, uye vane chikwereti-pasina.
Vanorarama zvikuru mukurasira. Vanodya paresitorendi. Vanofarira kufamba nechikepe, gorofu, uye tennis. Vane musha wechipiri pedyo nehombekombe, uye vanonakidzwa nokufamba kune dzimwe nyika.
Carl naCathy: Kushanda muHorera Kuti Mufare
Carl naCathy vakasiya basa ravo guru, asi vari vaviri vari kushanda.
Havadi mari - vanowana mari yakakwana yekurarama zvakanyatsogadziriswa kubva pamari yavo - asi vanofarira kushanda.
Izvo zvinovapa kugutsikana nechinangwa, uye kana vasingashandi, vanowanzonzwa vachinetseka uye vakaora mwoyo. Carl ari kunyorera inoverengeka, apo Cathy anoshanda bhizinesi rekuInternet. Vanowana mari yakawedzerwa kubva kumabasa avo, iyo inowedzera kubhadhara mari yavo.
Zvisinei, ivo vakabatikana zvikuru vachifarira basa ravo; havana nguva yekuipedza. Vari kuunganidza mari zhinji kupfuura iyo vanoziva kuti vangashandisa sei.
Derek naDebbie: Passive Income muHorera
Derek naDebbie vakagadzira migove yemari yekusarura pavakanga vari vaduku. Iye zvino matzimba avo ekubhadhara, zvikwereti, chikamu, nemari inowanikwa inovapa zvakakwana kuti vasiye mari yavo.
Basa ravo rekusununguka, zvisinei, rakagadzirirwa kuchengetedza izvi zvinyorwa. Vanowanzozviwana vachitarisira mapoka emabhuku, mabhenji vemapurisa uye maoko ekugadzirisa avo vanochengetedza hupfumi hwavo huchiwedzera.
Munhu wese anofanirwa hupenyu huri muhutano hwakasiyana
Ndechipi chinangwa chezvikamu zvina? Kugara zvakanaka kwevanhu vose kwakasiyana.
Vamwe vanhu vanogutsikana kurarama huri nyore, hupenyu hwakanyarara. Vamwe vanoda kunakidzwa nerwendo rwenyika, kuvaravira mari kunodhura, kuenzanisa mazambiringa akanaka, kuvandudza dzimba dzavo nekuedza mabasa matsva.
Vamwe vanhu vanomanikidzwa kushanda nokuti havagoni kubhadhara zvikwereti zvavo, asi vamwe vanosarudza kushanda kuti vafare uye vagutsikane, kunyange zvazvo vasingadi mari.
Traditional Retirement Advice iri kutsausa
Zano remutemo rekurega basa rinorondedzera rondedzero: ichengetedze 10 muzana, kana 12 muzana, kana 15 kubva muzana yemari yako ikozvino yekurega basa .
Asi mutemo iwoyo-we-gumbo mazano haubatanidzi rudzi rwekurega basa iwe unotarisira kuva nawo. Adhamu naAlison vanogutsikana kurarama zviri nyore. Vanogutsikana kubika zvokudya zvavo, kuchenesa imba yavo, uye kutamba nevabereki vavo.
Kana iwe uronga kurarama semuviri uyu, haufaniri kudikanwa kuronga bhadharo 15 muzana yemutero wako mushure mekubhadhara, kunze kwekuti iwe uchitanga kuponesa gare gare muupenyu , unoda kubva shure kweimba yevana vako, kana iwe unoda iyo yakagadzikana yakasimba kana zviitiko zvinokurumidza.
Vamwe vakadai saBob naBarb, kune rumwe rutivi, vanoda kufara kwekuenda kuItaly, vachitamba gorofu, vachitora zvidzidzo zvekudhiridza uye vachienda kunzvimbo yegungwa. Kana iwe uchida kurarama semudzimai uyu, zvichida unoda kuronga mari inopfuura 15 muzana kusvika kumubhedha.
Uye kana iwe wakagadzirisa mafashamo emari, semba Derek naDebbie, iwe ungasafanira kuwandisa mari yako 401k gore negore.
The Rule of 25
Saka chii chimwe chirevo chechigunwe?
Ratidza kuti iwe unoda kushandisa mari yakawanda sei , gore negore, pakubata basa. Wedzera izvozvo ne25 . Ndizvo zvakadini iwe waifanira kunge wakaponeswa munhoroondo yako yekurega.
Mune mamwe mazwi, shandisa chinangwa chako chekuchengetedza mabhengi ekushandisa mari yako, kwete mari yako.
Yeuka: izvi zvinongova mutemo mukuru wegumbo. Mari yega yega - zvakanaka - pachedu. Mari yaunoda kubhadhara inobva pane zvimwe zvinhu zvinosanganisira chikwereti chako, avo vanovimba navo, hutano hwako, hutariro hwako hwehupenyu, mitero yako yemitero, inishuwarenzi yako inoda, nezvimwe zvinotarisirwa.