Ngamabhiliyoni angama-41 aseMelika kulo nyaka, impendulo okungenani eyodwa yale mibuzo iyayibo, ngokusho kocwaningo oluvela ku-MBO Partners. Bakha ingxenye eyodwa kwezintathu kuzo zonke izisebenzi e-US, ezisebenza ngokwabo kunokuba umqashi wendabuko. Futhi ngo-2020, izibalo zabo kulindeleke ukuba zikhule ngamaphesenti angu-40 yazo zonke izisebenzi ezingaphezu kweminyaka engu-21 ubudala.
Ucwaningo luthola ukuthi amalungu alo "Gig Economy" ngokuvamile ajabule futhi anempilo kunalawo asetshenziswa ngokujwayelekile. Kodwa uma uzibheka phakathi kwabo, cishe awunalo inhlanhla yokuphepha yendabuko esiyibheka njengezinzuzo zomsebenzi - izinto ezifana nomsebenzi womshuwalense wezempilo okhokhelwa umqashi, uhlelo lokuthatha umhlalaphansi, umshuwalense we-worker, nokunye okunjalo. Futhi ukungabi nalutho kwezinzuzo kungaba nemiphumela yezimali. Omunye wabasebenzi abathathu abazimele abacwaningwa yi-MBO bathi ukuhlela umhlalaphansi kuyinselele, kanti amaphesenti angu-40 abonisa ukukhathazeka ngenxa yezinzuzo zabo-ikakhulukazi ukunakekelwa kwezempilo.
Isixazululo - noma ngabe ulindele ukuhlala njengesisebenzi esizimele isikhathi eside - ukuthola indlela yokuqoqa ndawonye iphothifoliyo yakho yezinzuzo.
Nakhu okudingeka ukwenze:
Qala Ngezempilo
Kuyavunywa, okwamanje, ukunakekelwa kwezempilo kungumaka wombuzo. Kodwa lokho akusho ukuthi kufanele usebenzise ukuthengwa kwelanga nanamuhla.
Njalo ngonyaka, ukuphazamiseka okungaphezulu kubangelwa ukuphuthumayo kwezempilo okungapheli kunanoma iyiphi enye into. Ungcono ekuthengeni ukuthengwa okwamanje - ngisho noma kuphela ngonyaka noma ngaphezulu-kunokubhekana nokuhlelwa kwezempilo kwekusasa.
Yingakho ukuphepha umshuwalense wezempilo kufanele kube yinto yokuqala ebaluleke kakhulu, kusho uNowa Lang, isikhulu esiPhezulu seStride Health, i-portal portal efana nabasebenzi abazimele - kuhlanganise namapulatifomu afana no-Uber no-Etsy - ngezinhlelo ezibiza kakhulu.
"Uma ungenakho okunye, kodwa une [umshuwalense wezempilo], okungenani uhlanganiswe ngengozi enkulu empilweni yakho," usho kanje.
Njengoba lesi sihloko sishicilelwe, asikho esikhathini sokuBhaliswa Okuvulekile - isikhathi phakathi nonyaka wekhalenda lapho noma ubani engakwazi ukubhalisela uhlelo olusha lwezempilo ngokusebenzisa ukuhwebelana kwezempilo okuvela ku-Care Affordable Act (abaqashi banesikhathi sabo sokubhalisa esivulekile ). Ungangena ngemvume ukuze uthole ukukhokhelwa uma unomcimbi ofanelekayo-ukulahlekelwa ukukhokhelwa, ukushada noma ukuhlukaniswa, nokuthola ingane yonke ifanelekile. Kodwa ngenye indlela, kuzodingeka ulinde kuze kufike ukuwa; Isikhathi sokubhalisa ngonyaka ovulekile sonyaka owedlule saqala ngoNovemba 1 futhi sathatha amasonto ayisithupha, futhi kungenzeka ukuthi ulindele isimiso esifanayo kulo nyaka.
Ngokuvamile, ukuthenga uhlelo kusho ukukhetha indawo yokuthenga. Ungakwazi ukuzithengisa ngokwabo nge-healthcare.gov, noma ungakhetha uhlelo olunikeza isiqondiso. I-Stridehealth.com yinye inketho. I-Freelancersunion.org ingenye. (Futhi uma uthola cishe izibalo eziyisithupha, ungase ufune ukubheka i-MBOpartners.com, ewela ngaphezu kwezinzuzo zokunakekelwa kwezempilo ukusiza nakho konke okuvela ekufakweni nasekulawuleni izidingo zakho zehhovisi lakho.)
Khona-ke, kufanele ukhethe uhlobo lwecebo lokuthenga.
Izinketho zakho:
I-PPO, engakunikethi kubahlinzeki bokunakekelwa kwezempilo (inthanethi) noma ukukwenza ukuthi uhanjiswe ochwepheshe), kodwa izokukhokhisa izindleko eziphezulu ezingaphandle kwe-providers
I-HMO, okuvame ukukhawulela ukuhlinzekwa kwezinsizakalo zezokwelapha kubahlinzeki bezempilo be-in-network abatholakalayo nabo
Uhlelo lwezempilo oludonswe kakhulu nge-Akhawunti Yokulondoloza Impilo, lapho ukhokhela khona inqwaba yezincomo zakho kanye nemigomo kuze kube yilapho uhlangabezana ne-deductible yakho, bese usebenzisa i-HSA yentela ehlomulisiwe ukusiza ukukhokha izindleko.
Wenza kanjani ucingo? Uma unempilo enhle (futhi ungahle uhlele ukukhulelwa nganoma yisiphi isikhathi maduzane), ukuthenga uhlelo oluphakeme lokudonswa cishe kuyindlela yokuhamba. Uma unesifo esingapheli (futhi njengabadokotela oyibona), ukuthenga i-PPO yomklomelo noma i-HMO ehlanganisa izindleko zakho ngokuvamile kuvame ukuhamba kahle.
Futhi phawula: Uma ungumbonisi ozimele ozibekela njenge-C corporation, i-HRA - Ama-Akhawunti Wokubuyiselwa Kwezempilo, okuvumela ukuba unikele kakhulu kakhulu kune-HSAs - ingaba indlela engcono kakhulu yokuhamba, kusho i-Gene Zaino, i-CEO MBO Partners.
Bese, Gcina Ingozi Yokuthola Inzuzo
Ucabanga ukuthi umhlalaphansi uzoba olandelayo ohlwini. ULan uthi: "Ngokuvamile yiyona eyesibili efunwa kakhulu, kodwa akuyona eyesibili ebaluleke kakhulu." "Ingozi enkulu ukuthi awukwazi ukubonisa umsebenzi, ngoba ugula noma ulimele - noma awukwazi ukukhokhisa ibhilikhithi." Ungaqinisekisa ngalokhu kungenzeka ngokuqinisekisa ukuthi okungenani izinkulungwane ezimbalwa zithukile kude ekulondolozeni okuphuthumayo. Njengoba kucatshangwa ukuthi amaphesenti angu-42 kuphela aseMelika anemali eyanele ekuhloleni noma ekulondolozeni imali ephuthumayo engu-$ 400 (ngokusho kwe-Federal Reserve), yindawo abantu abaningi abangasebenzisa ngayo umsebenzi.
Enye indlela yokukhulisa lezo zimali ukuthumela ngokuzenzekelayo iphesenti lemali oyiholayo ekugcineni. Ungasetha ukuthunyelwa kwamasonto onke ngokuzenzekelayo noma ngenyanga ngebhange lakho, kodwa uma ukhokhwa ngesimiso esingavamile lokhu kungaholela ezinkingeni zokukhishwa ngokweqile. Kungaba lula ukulondoloza njengoba uhola. Uhlelo lokusebenza olufana neThip Yourself lwenza lokhu kube lula uma ungasebenzisa ukukhokhwa njengesisusa ukuze uzithole ukudlulisela izimali. Noma, ungazama i-Digit, uhlelo lokusebenza oluchaza ukuthi ungakanani ukukwazi ukulondoloza ngokusekelwe ekusebenziseni kwakho imali, nokulinganisela kuma-akhawunti akho, bese uhambisa imali ngokuzenzakalelayo.
Ekugcineni, Yenza Ngokuthatha Umhlalaphansi
Ngokuqondene nomhlalaphansi, ngisho noma unquma ukubuyela emsebenzini kumqashi wendabuko, lowo mnikelo we-R500 I-Roth IRA okwenzile kulo nyaka ungakuthola kalula u-$ 60,000 ngo-2047. Mhlawumbe ngaphezulu.
Awudingi umsebenzi wesikhathi esigcwele ukuze ukhokhele i-akhawunti yomhlalaphansi, futhi okukhethwa kukho kwama-freelancers kuningi. IRA noma i-Roth IRA kokubili ikuvumela ukuba unikele ku-$ 5,500 ngonyaka (noma u-$ 6,500 uma uneminyaka engama-50 noma ngaphezulu), ne-SEP IRA (eyenziwe ngokuqondile kubantu abaqashile) ikuvumela ukuba ulahle amaphesenti angu-25 wakho imali engenayo, ekhishwe ku-$ 54,000 ngonyaka.
Kodwa i-Lang iphakamisa ukuxhasa imali nge-Akhawunti Yokulondoloza Impilo kuqala. Ukucabanga kwakhe kuzwakala. I $ 3,460 ongayibhalela umuntu, noma i-$ 6,900 emndenini, injenge-traditional or SEP IRA-tax-deductible. Imali ingatshalalwa ukuze ikhule intela ehlehlisiwe. Khona-ke, uma usuhlala emsebenzini, ungayisebenzisa noma yini (hhayi nje izindleko zezokwelapha) ngokukhokha intela yentela ekuhoxisweni. Kodwa ngokungafani ne-IRAs, ungasebenzisa imali engenayo yentela yezidingo zezempilo noma nini. Uma ungenayo i-HSA-noma ngemuva kokuthi uxhaswe ngemali-bese uhambisa emenyu ye-IRAs. Futhi njengoba nje isisebenzi sendabuko singasungula ama-401 (k) okuzenzekela ngokuzenzakalelayo kuzo zonke izinkokhelo, kanjalo ungathola indlela yokusetha futhi ukhohlwe iminikelo ejwayelekile kwi-akhawunti yakho yomhlalaphansi.