Abasebenzi Bangase Bakhethe Phakathi Kwezinhlobo Ezihlukahlukene Zokungabikho Izinzuzo Zokungabikho
Izinhlelo zokudlela zokudlela zokudlela zihlinzeka ngokukhethekile emithethweni yentela engenayo yentela esebenza emalini yomsebenzi.
Kuhlelo lwesitayela sokudlela, abasebenzi bavunyelwe ukukhetha phakathi kwezinzuzo ezihlukahlukene ezingenakulinganiswa kanye nokheshi.
Izinzuzo kubasebenzi
Kuhlelo lwesitayela sokudlela, isisebenzi ngokuvamile sithola inani elithile lama-dollar kumqashi ukuthenga izakhi ezithile zecebo losizo. Lokhu kwenza abasebenzi bazuze izinzuzo, njengomshuwalense wezempilo , ngama-dollar pretax.
Izinketho zokuhlela izitayela zokudlela zingabandakanya amazinga ahlukahlukene wezinhlelo zomshuwalense wezempilo kanye nezinye izinketho zomshuwalense ezifana nomshuwalense wokukhubazeka wesikhathi esifushane nesikhathi eside , nomshuwalense wokuphila wesikhathi eside . Okunye okukhethwa kukho kungabandakanya 401 (k) kuhlelwe iminikelo yokuthatha umhlalaphansi, usizo lokunakekelwa kwabathembekile, izinhlelo zokusiza izingane, kanye neminikelo yama-Akhawunti Yokulondoloza Impilo (HSAs).
Akuwona Bonke Abasebenzi Abafuna Izinzuzo Ezifanayo
Lolu hlobo lwemenyu enziwe ngezifiso lunikeza abasebenzi ngeholo lokuthatha ekhaya futhi izinzuzo eziningana ezengeziwe. Inzuzo yelungiselelo lokudlela ukuthi abasebenzi bangakhetha ukuthi yini engcono kakhulu kubo.
Isibonelo, isisebenzi esincane esingenazo izinkinga zempilo singakhetha ukuchitha uhlelo lwakhe lokudlela lwezintela ngepulani lempilo elincane.
Isisebenzi esinamalungu omndeni amane singase sikhethe ukuchitha ukudla kwabo amadola kuhlelo olunzulu lwezempilo oluningi lokufaka. Ngakolunye uhlangothi, umsebenzi ongenawo umndeni angakhetha ukuchitha imali yakhe yokutshala imali emalini ohlelweni lomhlalaphansi.
Umthethonqubo Wezinhlelo Zendlela Yokudlela
Izinhlelo zokudlela zilawulwa yiSigaba 125 se-Internal Revenue Code. Kungakhathaliseki ukuthi umgomo womsebenzi wokuqashwa kwabaqashi, amasu, ngokusho kukaGregory Boop,
"Okuthiwa yi-Title 26, iSigaba 125 se-United States Code lapho 'izinhlelo zokudlela zokudlela' zingabandakanywa ngokuqondile ekubalweni kwemali engenayo yentela yenzuzo yentela.
"Amapulani angu-125 avumela abasebenzi ukuba banikeze ama-dollar e-pretax ohlelweni. Iminikelo emahlelweni ayihambisani nezintela zokuvikela, zombuso, noma ezokuphepha komphakathi. Iminikelo ifakwa kwi-akhawunti isisebenzi esingasebenzisa ukukhokha izindleko ezivunyelwe (isib. umshuwalense wezempilo, izindleko zokunakekelwa ngokwezindleko, izidingo zezokwelapha). Njengoba kungekho zentela zokuphepha, zombuso noma zenhlalakahle ezikhishwayo futhi amadola awahlanganisiwe njengenzuzo engenayo, isisebenzi sisindisa noma yikuphi kusuka ku-27 kuya ku-50% kulokhu kuthenga. "
Lapho Izinketho Zomsebenzi Ziqhubeka Nenani Lemali
Kuhlelo lokudla lokujwayelekile, isisebenzi singakhetha izinketho ezidlula inombolo yama-dollar evunyelwe ngumqashi. Kulezi zimo, umsebenzi uhlawula ingxenye ye-premium yezinzuzo zakhe ezikhethiwe, ngakho izindleko kubaqashi ziphansi. Isibonelo, isisebenzi esinenkinga yezempilo, noma isisebenzi esineminyaka engu-55 nokuhleleka, singakhetha "ukuthenga" ohlelweni olubanzi lwezempilo oluhlanganisa nezinsizakalo ezidingayo.
Ukusebenzisana Nezici Zobungcweti
Kuzo zonke izimo, ukusebenzela ukuhlinzeka abasebenzi ngecebo lokusiza izitayela zokudlela kufanele uzuze uchwepheshe wezinhlelo ezikwazi ukuthola ulwazi olungaqondisa umqashi mayelana nezinketho ezihlukahlukene. Njengoba kunikezwe ubunzima bekhodi yentela yase-US kanye nezinguquko ezibikezelayo emithethweni, abaqashi kufanele bahlale befuna usizo lochwepheshe. Ufuna ukuqinisekisa ukuthi uhlelo lwakho lusemthethweni futhi luzuzisa kokubili umsebenzi nomqashi.
Enza umsebenzi wakho wasekhaya
Iwebhu igcwele amasayithi enikeza usizo kanye nezeluleko mayelana nezinhlelo ezizinzuzo ezihlelekile kodwa imithetho yomsebenzi nemithethonqubo ihluka ngozwe nezwe, ngakho-ke akukhowebhusayithi enempendulo eqondile. Uma ungabaza, njalo ufune iseluleko sezomthetho noma usizo oluvela kumbuso kahulumeni, wesifundazwe noma wezwe jikelele, ukuze wenze ukuthi incazelo yakho yezomthetho kanye nezinqumo zakho zilungile.