Inkolelo-mlando eyizinkulungwane zeminyaka-iyakwazi ukuchitha imali
Omunye ngokuvamile ucabanga ukuthi kunezinkulungwane zeminyaka njengokuzibophezela ngokwezimali nokubophelwa ngokwezimali ngenxa yesikolodo sesikweletu semfundo kanye ne-penchant yemikhuba ebiza kakhulu njengokuthenga ama-electronics yakamuva kagesi. Kodwa i-Recent State State of Employee Benefits 2017 Umbiko oshicilelwe izinzuzo zabasebenzi SaaS firm Benefitfocus ithi kungenjalo. Kuhlolisiso lwamarekhodi ayizigidi eziyingqayizivele ezibhalisiwe zabasebenzi, inani laminyaka eyizinkulungwane ezifanele ngaphansi kweminyaka engama-26 ababhalisa kwi-akhawunti yokulondoloza impilo yenyuka ngamaphesenti angu-40 ngonyaka odlule. Lezi zinsuku zeminyaka nazo zenze inani lemali abafaka kuzo ezinhlelweni zabo ze-HSA. Ngokwesilinganiso, lokhu kwanda ku-$ 200 isisebenzi ngasinye (noma ukunyuka kwamaphesenti angu-20).
Lezi zindleko zemali zingaphansi kwezingqimba ze-IRS, kodwa zisabonisa ukuthi izinkulungwane zeminyaka ziba ngabasebenzi abasebenzisa inzuzo yabasebenzi. Labo abahlanganyela kulezi ziqephu baqonda ukuthi kunzima kanjani ukususa imali yezimo eziphuthumayo zezokwelapha, ngaphezulu kwama-deductibles waminyaka yonke, nokuningi.
Abanye bafaka ukugcizelela kakhulu ukubeka imali engasetshenziswa esikhathini esizayo uma beshintsha imisebenzi noma balondoloze kahle uma bezitholela ngaphandle kokuthola izinzuzo zezempilo .
Kungani izimali zokulondoloza impilo ziheha abantu abayizinkulungwane zeminyaka?
Izinkulungwane zeminyaka ziye zakhula kwezinye izikhathi ezikhanyisayo, naphezu kwezinselele zezimali.
Lokhu kungachaza ukuthi kungani banesithakazelo kuma-akhawunti wokulondoloza impilo futhi basebenzisa le ndlela yokubeka imali esikhathini esizayo. Izinkulungwane zeminyaka zibukele abazali bazo behlukunyezwa ngezinto zezezimali, ikakhulukazi ngesikhathi sezomnotho we-2007-2011. Baye bahlala beqaphele njengoba izinguquko zokunakekelwa kwempilo ziye zashintsha futhi behluleka ukubamba iqhaza.
Izinkulungwane zeminyaka eyizinkulungwane zenza okuthandayo ekusebenzeni kwabo kwempilo futhi zihlala ziphilile, ngakho-ke ziyaqonda izindleko ezihilelekile ekukhokheni umshuwalense wezempilo okwanele nokunakekelwa kwezempilo okuvimbela njalo. Bavame ukuqonda kahle impilo futhi bazame ukugwema izindaba zezempilo ezizukulwaneni ngaphambi kwabo. Abaningi abakuboni iphuzu lokukhokhela kakhulu izinzuzo zomshuwalense wezempilo uma bephilile futhi akudingeki babone udokotela kangaka.
Ithuba lokulondoloza umhlalaphansi
I-akhawunti yokulondoloza impilo ngokuvamile ikhangisa kumuntu osemusha kunamanye amacebo okulondoloza imali, njengokugcina umhlalaphansi okungelula ukufinyelela lapho isidingo sikhona. Ukusetshenziswa kwamapulani angu-401K kuye kwehla phakathi kwaminyaka eyizinkulungwane, futhi manje kungase kudingeke ukuba basindise okuningi kunalokho okukholelwa ngaphambili.
Ngokusho kukaNerdWallet, izinkulungwane zeminyaka zingase zibheke cishe ngamaphesenti angu-22 emali engenayo ebekwe ngaphandle kokulondoloza umhlalaphansi uma benethemba lokuthatha umhlalaphansi ngelinye ilanga.
Lokhu kuhle ngaphezu kwamaphesenti angu-11-15 ngokuvamile avunyelwe abathengi. Izindleko zentela nezindleko zokuphila zithinta le mfuneko. Ngakho-ke, izinkulungwane zeminyaka zidinga ukwenza okuningi ukwabiwa okuhlakaniphile kwemali yabo, futhi zibheke izindlela zokunciphisa inkokhelo yabo yentela ngesikhathi esifanayo. Uma kuhlanganiswe nezinhlelo zokulondoloza umhlalaphansi wendabuko, bangakwazi ukubeka imali yentela ngaphandle kwe-akhawunti yokulondoloza impilo. Uma badinga ukudweba kule mali, bangenza lokho okudingekayo ezindlini zezokwelapha futhi bangakhathazeki ngezijeziso zokuhoxiswa kokuqala.
Ukuvumelana nezimo nokuphathekayo nge-akhawunti yokulondoloza impilo
Izinzuzo ezijwayelekile zabasebenzi azihlangabezani nezidingo zaminyaka eyizinkulungwane eziningi ezithinta izinguquko ngokushesha endleleni yabo yokuphila. Abanye bangaphandle kwekolishi, behlala bodwa okokuqala futhi bezama ukuphatha isabelomali.
Abanye bayashada, bethenga ikhaya, noma babe nabantwana. Noma kunjalo, abanye babasha kakhulu emisebenzini yabo ukuthi abahlose ukuhlala nanoma yimuphi inkampani isikhathi eside kakhulu.
Ama-akhawunti wokulondoloza impilo akhuthaza abathengi abancane abafuna ukuguquguquka okugcwele kokukhetha. Bangase bafune ukuthenga ezungeze abahlinzeki bokunakekelwa kwezempilo kanye nezinsizakalo abazidingayo. Kungase futhi bafune izinzuzo abangayithatha lapho beshintsha imisebenzi. Ama-HSA ayaziwa ngokuhlinzeka lokhu kuguquguquka futhi alawule amadola wokunakekelwa kwempilo yomuntu.
Ubuchwepheshe beselula nokufinyelela kokulandelela kwe-HSA
Izisebenzi zezinzuzo zomhlaba zikhula ngokwengeziwe kwezobuchwepheshe kunanini ngaphambili. Manje, kungenzeka ukubuyekezwa izinhlelo zokunakekelwa kwezempilo, ukubhalisa ezinzuzweni, hlola inani le-akhawunti yokulondoloza impilo, futhi wenze izinqumo ngokuhamba nge-smartphone. Izinhlelo zokusebenza zezinhlelo zokusebenza zokulondoloza ukunakekelwa kwezempilo zibeka ulwazi ngezandla zomuntu siqu. Izinkulungwane zeminyaka zinjengalezikhono zokwenza izinqumo noma nini nanoma ikuphi lapho zifisa khona, futhi zenze izinguquko ezenzelwe izimali zabo uma zidingwa.