Hazvambomboteri Nguva Yevana Vechidiki Vanodzokera Kudzokorora Mazano Ekurasikirwa
Kana iwe uri mucheche mudiki mumakore ako ekukwanisa kuwana, kuverenga misoro pamusoro pemitambo yekusunungurwa iyo iri pedyo nekona ingangoita seinovhiringidza. Asi pane mamwe mashoko akanaka! Maererano nehuwandu hutsva hwekutsvakurudza hunobva kuFinancial Finesse pamusoro pehupfumi hwemari kumarudzi akasiyana-siyana, Baby Boomers vari mune zvakasimba zvakakwana mamiriro emari kana achienzaniswa nemamwe mapoka emakore.
Zvisinei, sezvinongoitika pane dzimwe nguva nyaya dzakanaka kune dzimwe nhau dzakaipa kuti uise izvi zvishoma nezvetariro mune zvakananga. Nhau dzakaipa ndeyekuti nhamba inowedzera yeBoomers vari kunzwa vasisina chivimbo kuti vari munzira yekurega basa. Kunyange zvazvo zvisati zvanyanyisa kunonoka kuronga, chokwadi ndechokuti Bhoom Boomers havana nguva yakawanda sevana vaduku kuzovhara gadziriro yekugadzirisa basa.
Kana iwe uri mucheche mwana achifunga nezvekutarisira kwako pabasa, apa pane matanho anokosha aunogona kutora iye zvino:
Gadzira purogiramu yako yega yekushandisa mari yako yekubvisa mari mupfungwa
Kubhadhara mari ine mukurumbira wakaipa nokuti vazhinji vanhu vanoona kushungurudzika uye kushungurudzika pavanotamburira kuwana nzira yekugadzirisa kutarisa kushandiswa. Kana iwe uri mucheche ari kuswedera kumusha, unofanirwa kuisa pfungwa pakuumba chirongwa chinoshandiswa chekushandisa mari inotaurira mari yako kwaunofanira kuenda mberi kuti uone kuti mari yako inowirirana nezvinangwa zveupenyu hwako.
Pane zvikonzero zvakawanda nei uchida kugadzira hurongwa hwekushandisa ikozvino kupfuura kare. Chokutanga, kupedza zvirongwa zvichakubatsira kuti usapedza mari yakawandisa kupfuura iwe yaunopinda uye uwedzere chikwereti chako chose. Baby Boomers avo vane hanya nekodzero dzavo dzekutora chikwereti havakwanisi kutaurira chivimbo mukugadzirira kwavo basa rekuchera basa uye izvi zvinokonzera madambudziko ndeimwe chikonzero chikonzero chevanhu vazhinji vari kuregera basa rekurega basa.
Kupedza zvirongwa zvakare kunobatsira kusununguka mari yakawedzerwa kubhadhara chikwereti. Inogonawo kushandiswa kubatsira kubatsira kuwana mari yakawanda inogona kukubatsira kuti uwane mahomwe ehurukuro emitero yakafanana ne401k, IRAs, uye HSAs. Zvichida kubatsirwa kukuru kwekugadzirisa bhajeti kana kushandisa mari mukati mekupedzisira kwekuita basa nderokuziva kuti mari yakawanda yaunofanirwa kuita kuti uite zvinhu zvaunoda kuita mukurasira. Maitiro ako ekurega basa ari kunyanya ku ballpark kuongororwa kusvikira iwe watora nguva yekunyatsonzwisisa pane mari yako iri kuenda. Kuziva nezvekushandisa kwako ikozvino kunopa ruzivo rwakakunakira kukubatsira kuti uone kuti chirongwa chako chekubvisa mari chinotarisa sei.
Ita zvinangwa zvepfuma yako
Upenyu ndizvo zvinoitika kwauri apo iwe uri kushingaira uchiita zvimwe zvirongwa. Mune mararamiro edu ehupfumi, zvinogona kuva nyore kuti tisavhiringidzwa apo zvinangwa zvakawanda zviri kukwikwidza zvimwechetezvo zvidzidzo zvenguva nemari. Nzira yakanakisisa yekuita kuti hutungamiri hwako huve nechinangwa chekushandisa mari ndeyekugadzira hurongwa uye uhwonyora. Kana iwe wakaroorwa kana uine waunofamba naye munzira yekusununguka kwemari, sarudza nguva yekukurukura zvinangwa zvako zviduku uye zvekugara kwenguva refu. Kana uri kuedza kusarudza kana zvinonzwisisika kuti uwane chikwereti, chengetedza mari yakawedzerwa yekubvisa mari, kana kubhadhara inshuwarisi yekuchengetedza kwenguva yakareba, iva nechokwadi chokuti zvaunoda kubhadharwa zvinodiwa zvakaputirwa usati wasarudza kuisa mararamiro emwana wako kana kuti dzidzo yezukuru.
Zvinosuruvarisa, hapana mari yezvemari kunze kwekugara kwedu pabasa. Kuratidza vadikanwa vako nzira yekuenda kuzvimiririra kwechokwadi kunogona kuva imwe yezvipo zvisingakanganwiki zvaunopa vanhu vanonyanya kukoshesa.
Ongorora hutano hwako hutano inshuwarani
Zvitano zvekuchengetedza hutano ndeimwe yezvakanyanya kukonzera kusarudzwa kwekushandira basa uye izvi zvinonyatsova musoro wepfungwa sezvo kubvisa kwako kuswedera pedyo. Kubva pane maonero ekubhadhara mari, hutano hwehutano hwakakosha huri chikamu chikuru chebhajeti munguva yedu yekurega basa.
Kana uine retiree medical inshuwarisi, enda mberi undotanga kuongorora zvaunosarudza uye zvinosanganiswa mari. Iwe unofanirwawo kushanyira nzvimbo yehutanocare.gov.gov kana iwe uchange uchingobvisa mari isati yava nemakore makumi matanhatu nemashanu apo kukodzera kweMedare kunopinda mukati. Kana iwe uri muurongwa hwakakosha kubva kune HSA, shandisa zvakakwana kukwanisa kwako kukwanisa kusvika kune $ 3 350 pamusana pekugovera kana $ 6 750 nokuda kwekuvhara mhuri (pamwe nemadhora 1 000 kune vose kana makore 55 kana kupfuura) yekutanga kuteresa mari muakaunti yekuchengetedza hutano kubatsira kubhadhara mari inotevera.
Purogiramu yezvinodiwa zvekuchengetedza kwenguva refu
Nguva yakareba yekuchengetedza mari inogona kuva chinhu chakakosha pakudzvara kwako. Iwe unogona kuita basa rakanaka kwazvo kuunganidza zvakakwana mari yekurega basa kuti usasunungurwe zvakanaka chete kuti uone iyo inonyangarika nokukurumidza mushure memakore mashomanana emari yekuchengetedza kwenguva refu. Kumbira chero shamwari kana nhengo dzemhuri izvo zvakaitika kwavari zvave zviri kutarisira munhu waunoda unoda kutarisirwa kwenguva yakareba uye iwe uchakurumidza kunzwisisa iyi inongova ngozi. Kutaura zvazviri, zvave zvichifungidzirwa kuti vanenge makumi manomwe kubva kuzana makumi matanhatu nevashanu kubva kune vakwegura vachada imwe nzira yekuchengetedza kwenguva refu. IAlzheimer's Association yakaratidza kuti mari yekudengenyeka kwevanhu ichakwira kubva kune $ 220 mabhiriyoni gore rapera kusvika kudarika $ 1 trillion muna 2050.
Paunofunga nezvekukwanisa kubhadhara kwenguva refu iwe unofanirwa kuziva kuti Medicare haifaniri kubhadhara nguva refu yekuchengeta mari. Nenzira yakawanda, Medicaid inoda kuti iwe upedze pasi nepamusoro pezvinhu zvako zvose kuti ukwanise uye kune makore mashanu anotarisa kumashure panguva yezvinhu zvakapiwa vamwe.
Zvisarudzo zvako ndezvekubhadhara kubva muhomwe uchishanda chikafu chako chekurega basa, kupedza pasi zvinhu kuitira kuti ukwanise kuwana Medicaid, kana kutenga inshuwarisi yekuchengetedza kwenguva yakareba kuchengetedza pamusana pengozi iyi inogona kuitika. Iwe unogona kudzidza zvakawanda pamusoro pekuchengetedza kwenguva refu kwehushuwarenzi uchishandisa zvidzidzo uye ruzivo runowanikwa paupenyuhappens.org kana longtermcare.gov.
Heano mazano mashomanana ekukubatsira kusarudza nzira yakanakisisa yekubhadhara chero yeramangwana rekuchengetedza kwenguva refu inoshandiswa:
- Kana iwe unofunga kuti mari yako yekurasikirwa ichave pane imwe nzvimbo pakati pe $ 200k kusvika ku $ 2-3 mamiriyoni muhupfumi, unogona kufunga kuchitenga kutenga kwenguva refu inshurensi yekuchengetedza.
- Tarisa kuti uone kana nyika yako inopa nguva yakareba yekuchengetedzwa kwepurogiramu. Aya mapurogiramu anokubvumira kuti uchengete huwandu humwe hwezvinhu zvakaenzana neicho chaicho cheshuwarisi inotengwa kuburikidza nehurongwa hwekuchengetedza kwehutano kwenguva refu uye iwe uchiri kukodzera kuMedicaid kana iwe ukashandisa zvose zvinobatsira.
Dzokororai iwe wekutsvaga mari yekutsvaga mari nguva dzose kuti uone kuti yakanyatsosiyana
Iyo "yaiisa uye ikanganwe" nzira yekuisa mari yekurasikirwa ingasakukuvadza iwe zvakanyanya mumatangiro ekutanga emabasa ako. Zvisinei, sezvo kusununguka kunosvika nguva yako iko kunopera uye hauzove nenguva yakawanda yekudzoka kubva pakurasikirwa kukuru. Imwe nyanzvi yekutsvaga tsvakurudzo inobva kuFinancial Finesse yakawana kuti pasi peiyo chimwe chetatu cheBoomers yese yaive ne 15% kana kupfuura yeiyo mafotoreti mune chimwe chinhu. Baby Boomers zvakare vakarondedzera kuderera kukuru mukugadzirisazve mari dzavo dzekutsvaga mari dzechizvarwa chipi nechipi gore negore.
Funga kusiyanisa mari yako yekubvisa mari kana iwe iye zvino uine zvinopfuura 10-15% mune ipi zvayo. Sangano revanhu rimwe nerimwe rine zvakakosha zvakakosha asi zvinogonawo kuderera zvikuru kana kuenda kune zero uye kusambofazve. Izvi zvinonyanya kukanganisa kumashandi emashandi sezvo iwe ungangodaro uri kunze kwebasa panguva imwe chete iyo mari yako yawakachengetedza inopera.
Mushure mekunge maongorora huwandu hwekambani yenyu, fungidzira mifananidzo yakawanda uye iva nechokwadi chekuti chikwereti chenyu chekutsvaga mari inopiwa zvakakodzera pakati pemhando dzakasiyana siyana dzemasikisi akaita samatokisi, zvisungo, pfuma, nemari. Imwe yenzira dzakajeka dzekusiyana-siyana kwekutsvaga kwako kwekugara muhurumende ndeyokushandiswa kwemari yakagadziriswa kana kuti chinangwa chezuva rekubhadhara mari. Iwe unogonawo kuumba yako pfuma yekugoverana kushandiswa uchishandisa aya mazano nekudzokororazve nguva dzose.
Tarisa kuti mari yaunoda sei munguva yekubatira kwako makore
Kumhanya-chinja kubhadhara mari yekusarura kamwechete pagore ndiyo inonyanya kukoshesa mari yekuita basa. Saka sei zvakadaro kuti vana vakawanda veBommer vasati vashushikana kutora nguva yekuverenga kana vari munzira yekuwana zvinangwa zvemari yavo mune ramangwana munguva yekurega basa?
Pane zvikonzero zvizhinji nei vanhu vasingatori nguva yekushandira chibharo chekuita basa. Zvimwe zvikonzero zvinowanzobatanidza zvinosanganisira kutya kuziva kuti havasi panzira, kusava nechokwadi pamusoro pezvipi zvishandiso zvinoshandiswa kuongorora kufambira mberi kwavo, uye kusakwana kwekutenda ivo vari kuchengetedza zvakakwana.
Mari yakawanda yei iwe unonyatsoda iwe panguva yekurega?
Nzira yakanakisisa ndeyokutanga kutarisira kana iwe uchironga paunenge uchiedza kuchengetedza mararamiro ako aripo ehupenyu kana kutarisira kuti unoda zvakawanda kana zvishoma. Kana uine makore mashanu kana kudarika kusvikira paunenge uchida basa rekurega basa unofanira kuzadzisa chirongwa chebhajheti chaicho chekurega basa. Heano teteti yekutanga yaunogona kushandisa kuti utange.
Kana zvisina kudaro, nhungamiro yakawanda ndeyokutanga kutarisa 70 kusvika ku90% yemari yekutsvaga mari. Iwe unogona kugara uchigadzirisa izvi kana kuti pasi zvichienderana nemararamiro aunoda kubhadhara. Chinhu chinonyanya kukosha ndechekufungidzira kana iwe usingakwanise kuunza mari yakakwana kubva kune zvese zvingakwanisi kuti uwane pfungwa yekuzvimirira mari. Sezvakaratidzwa nenyaya ino , kune dzakawanda zvekuverenga kunze uko uye zvichida urongwa hwekushandira huri kubasa kunyange hunovakwa mu calculator.
Kana iwe usati watiza iwe pachako kushandiswa kwekugadzirisa uchangobva kutora matanho uye kutora maitiro ako ekugadzirisa basa rekuenda kune imwe nzvimbo inotevera.