Kodi muyenera kuika ndalama zingati pamodzi kuti muchepetse ndalama zanu?

N’chifukwa chiyani pa peresenti, si ndalama za mwezi

A fixed mwezi uliwonse kutumiza over-kupulumutsa mu mwezi woipa, pamene inu mukhoza pang'ono kulipira izo, ndi pansi-kupulumutsa mu imodzi yabwino, yomwe ndi yoyenera pamene inu kulipira zambiri. A peresenti self-kusinthasintha ndi zofunika palibe chikhulupiriro m'mbuyo mwa kukhazikitsa koyamba.

Kuti mnda wafika kuchokera

Mphatso ya ntchito yokhayo ndi 15.3% pa 92.35% ya phindu lanu loyera - zidutswa ziwiri za Social Security ndi Medicare, chifukwa simudzakhala ndi mtumiki wolipira theka lina. Ndiyeno ndalama zachuma pamapeto pake. Kugwira ntchito motsutsana nawe: izi ndi zambiri. Kugwira ntchito kwa inu: theka la SE ndalama zanu ndi zosawerengeka, ndipo ambiri ogwira ntchito okha amaperekanso 20% yovomerezeka yochotsa ndalama zachuma.

Chifukwa chiyani tikuzungulira

Kukhala pamwamba ndi vuto - muli ndi ndalama zosatha. Kukhala pansi ndi ndalama zomwe simungathe kulipira pazosowa zomwe mwagwiritsa ntchito kale. Asimetri siyikugwirizana, chifukwa chake malangizo amalowetsa kwambiri pazolinga.

Ikani pamalo osiyana

Mtengo mu akaunti yanu yaukulu ndi ndalama zomwe mudzagwiritsa ntchito, ngakhale kuti mwamsanga mudzafuna kuchita zina. Izi ndi njira yokhayo yopeza ndalama zambiri m’mabizinesi a opanga ndalama ndipo zimatenga mphindi makumi asanu kuti muzikhazikitsa.

Ndiyeno mwamsanga kulipidwa kwa chaka chilichonse

Kuika ndalama pamalo ndi kulephera kukwaniritsa nthawi yomaliza ya chaka chisanafike kumakupangitsani kulipira ndalama zomwe munali nazo kale. Kuchita ntchito zochuluka kwa chaka chilichonse, or let keep.fans track the dates and the safe harbor figure for you.