Pakutanga Kusununguka pa55
Kusununguka pamakore makumi mashanu kana mashanu kunowanzoonekwa kune vanhu vakabva vatanga zvehondo kana hurumende (sekudai vanopisa moto uye mapurisa) vachiri vaduku, uye vanogona kubvisa pfuma yakazara nehutano kunyange zvazvo vasati vasvika 65. Sezvazviri Zvechokwadi, urongwa hunokosha mumitemo ye IRS pamagadziro ekurega basa inobvumira vamwe vashandi vehurumende kuti vashandise mari yekubhadhara mari isina mhosva musati vava nemakore makumi mashanu. Kana iwe usingakwanisi kuwana mhando dzakadaro, kubvisa pa 55 kunotora zvakawanda zvakawanda zvekuchengetedza uye kuronga.
Zvinetso zveKutanga Kwemakore Ekutanga
Dambudziko guru pakusarudza makore ekutanga ekurega basa ndechekuita kuti uve nezvinhu zvakakwana kuti upe mukana unogamuchirwa wemari yako yeramangwana. Mumwe munhu anorega kusvitsa pa 55 angave achida kuchengeta mari yavo yekugarisa makore 35 - 45 mukurasira. Kana ukashanda kune makumi manomwe, mari yako yaunoda ichada kupa nguva shoma. Iwe unogona kushandisa zvakasiyana-siyana zvekusarura mari yakawanda yekusarura mari kuti ikubatsire iwe kugadzira chirevo, kana iwe unogona kushandisa mazano emudzidzisi ane ruzivo wezvemari, chaizvoizvo munhu anonyanya kugadzirisa kurasikirwa kwemari.
Social Security Early Retirement Age
The Social Security Administration inotsanangura makore ekutanga ekurasikirwa sezera remakore makumi matanhatu. Kana ukatanga kutora Social Security mazera pazera remakore makumi matanhatu, iwe uchawana rubatsiro rwakaderera.
Vanhu vazhinji havazivi kuti kunyange kana ukasarudza nguva yekurega basa, iwe haufaniri kutanga hutano hweHuman Social Security pakutanga.
Iwe unogona kukwanisa kuwedzera hupenyu hwako Social Security nekukanganisa zvikomborero zvako kusvika nguva yakakwana yekurega , kana makore makumi manomwe apo iwe uchawana zvakanyanya. Kuti ushandise urongwa uhwu, unoshandisa yako pfuma yekuwana mari panguva ino. Kusiyana nezvinotendwa navanhu vazhinji, kuronga nenzira iyi kunowanzoita kuti iwe uwedzere mari yakawanda yehupenyu pane kutora rubatsiro kare. Kune vakawanda muInternet Security Security calculators iwe unogona kushandisa kwauri kuti uone nguva yakanakisisa kuti utange maropafadzo ako.
401 (k) Zvigadzirwa zvekare zvekurega basa
Imwe nzira yekurayira basa rekushandira mari inowanzoshandiswa ndeye 401 (k) chirongwa chine urongwa hunokubvumira kuwana mari mushure mekuberekwa kwemakore makumi mashanu nemashanu pasina kubhadhara mutero wekurasikirwa kwokutanga. Izvi zvinongoshanda chete kana iwe uchisiya waunoshandira mushure mokunge mava nemakore makumi mashanu. Pane zvikonzero zvaunofanira kusangana nazvo kuti uite basa. Kana iwe usingakwanisi kugadzirisa zvinotarisirwa, ipapo iwe unoda kumirira kusvikira makore 59 1/2 kutora mari kubva kune 401 (k), kana iwe ukavatora kunze kwepamusoro apo, iwe uchabhadhara mutero .
Kunze kwekuti iwe uchinge wawana nhaka, shandisa lottery kana kuti uwane rumwe rudzi rwemhepo, nokuti vazhinji vanhu nzira yakanakisisa yokurega basa rekutanga ndeyokutanga kuronga mberi. Iwe uchada kuchengetedza zvakawanda, tsvaga nzira dzekurarama zvishoma - kana, kunyange zviri nani, ita zvishoma zvezvose.