5 siyaabaha hadda loogu diyaargaroobo kharashyada daryeelka caafimaadka ee hawlgabka

Immisa ayay noqonaysaa kharashka daryeelka caafimaadka ee hawlgabka? Jawaabtu way u kala duwan tahay qof kasta. Laakiin 2016 daraasad ay samaysay Fidelity Investments ayaa muujinaysa in lammaanaha maanta shaqada ka fariisanaya ay u baahan doonaan $260,000 si ay u dabooshaan kharashaadka daryeelka caafimaadka inta ay hawlgab yihiin.*

U diyaargarow goor hore si aad u awooddo daryeelka caafimaadka marka aad shaqada ka fariisato

Isticmaal talooyinkan si aad u qorsheysato oo aad u kaydsato yoolalkaaga hawlgabka:

• Baro wax kusaabsan Medicare. Maaha bilaash mana daboosho wax walba. Waxaa dheer, Medicare ma xaddido inta aad jeebkaaga ka bixinayso sannad kasta. Waxaad iibsan kartaa qorshe kaa caawinaya caymiska daldaloolada Medicare, laakiin waa inaad bixisaa khidmadaha bishiiba. Iyadoo la tixgelinayo celceliska wakhtiga lagu qaato hawlgabku ay tahay 18-20 sanado, kharashyadani way kordhi karaan.


• Garo inta aad ka heli doonto Ammaanka Bulshada(Social Security). Kaliya 61% shaqaalaha hawlgabka ah waxay ka helaan kala badh dakhligooda Lambarka Bulshada. Ma beddeli doonto dakhligaaga hawlgabka ka hor laakiin waxay kaabi kartaa kaydkaaga.


• Ku keydi wax badan 401(k)kaaga sanad walba Waxaad wax ku biirin kartaa ilaa $18,000 sanadkiiba 401 K. Sidoo kale, iska hubi inaad ka helayso loo-shaqeeyahaaga tabaruca buuxda. Markaad gaadho da'da 60, waa inaad haysataa 8X mushaharka sanadlaha ah ee kaydinta hawlgabka.


• Fura Koontada Keydka Caafimaadka (KKC) . Lacagta aad hadda ku kaydsato KKC-gaaga waxay dabooli kartaa kharashyada daryeelka caafimaadka iyo khidmadaha marka aad hawlgab noqoto. KKC, kama bixinaysid cashuur lacagta aad gelisay, lacagtaadu waxay kasbataa dulsaar cashuur la'aan ah waxaadna lacagta u isticmaali kartaa inaad ku bixiso kharashyada caafimaadka ee lagu saleeyo cashuur la'aan.


• Caafimaad ku noolow. Ka taxadarida caafimaadkaaga maanta adiga oo lugeynaya 30 daqiiqado maalintii, 5 jeer todobaadkii, si aad uga hortagto dhibaatooyinka halista ah, iyo qarashka badan, hadhow sida cudurada wadnaha, istaroogga iyo Nooca 2 = macaanka.