Kwesi siqendu se-Know's Get Rich, ingcali yezemali UCarmen Perez inika uluhlu lwendlela yokuthatha ezo (zothusayo kodwa ziyimfuneko) amanyathelo okuqala okuqalisa ukulondolozela umhlalaphantsi - kuba kubalulekile!
1. I-401K ngokuchasene ne-IRA
I-401K yingxowa-mali yomhlalaphantsi oyifumana kwinkampani yakho ekholisa ukuza negalelo elihambelana nomqeshi wakho, utshilo uPerez. I-IRA yi-akhawunti yomhlalaphantsi ozenzele yona ngokwakho.
Kodwa kukho iindidi ezimbini ezahlukeneyo ze-IRAs enye yendabuko kunye neRoth IRA.
Umahluko ophambili apha kuxa imali irhafiswa ngokwenene, uyacacisa. Nge-IRA yesiko, uhlawula irhafu xa ukhupha imali kumhlalaphantsi. Nge-Roth IRA, utyala imali yakho engenayo irhafu ngoku kwaye akufanele ukhathazeke ngayo xa uyikhupha.
NgeRoth IRA, unenzuzo yokwazi ngokuthe ngqo ukuba ungakanani na njengoko ugcina.
2. Kufuneka uqale nini ukugcina imali yomhlalaphantsi?
UPerez ucebisa ukuba uqalise ingxowamali yomhlalaphantsi kwiminyaka yakho yokuqala yamashumi amabini (okanye ASAP ukuba umdala). Ngale ndlela unentloko ekuqokeleleni inzala, a.k.a. ukukhulisa imali yakho.
Okukhona unexesha elininzi emarikeni, kokukhona kufuneka imali yakho ikhule. Uxinzelelo oluncinci onalo kamva ebomini, ucebisa uPerez.
Ucebisa ukuba ujonge kwiiwebhusayithi ezinje Ukunyaniseka kwaye Vanguard ukuseta iRoth IRA.
Qiniseka nje ukuba akukho buncinci beakhawunti onokuyivula kwaye rhoqo ngenyanga enye, ukuba unako, qala ukwabela isiqwenga esincinci kumhlalaphantsi wakho, utshilo. Kwaye mhlawumbi uzibekele usukelo, njenge-100 yeedola nyanga zonke okanye qho kwiiveki ezimbini.
3. Sukulala ekufaniseni umqeshi
Ukuba unegig apho inkampani yakho ihambelana neminikelo yakho ye-401K, thatha ithuba.
Nokuba yipesenti encinci encanyathiselwe kumnikelo omncinci, yipesenti ye-100 yemali yasimahla, ucebisa. Eyona njongo iphambili kukwandisa iminikelo yakho rhoqo ngonyaka, ngokufanelekileyo kwi-IRA yakho kunye ne-401K yakho.
4. Qalisa ngokukhawuleza
Xa kuziwa ekulondolozeni umhlalaphantsi, uPerez akanakugxininisa ngokwaneleyo ukuba kufuneka uqale izolo . Kodwa oko kuza kunye ne-caveat.
Ngaphambi kokuba uqalise ukukhupha ii-acorns zakho qiniseka ukuba akukho mboleko-mali yenzala ephezulu okanye iibhalansi zekhadi letyala, utshilo uPerez. Imali eya kwinzala kula matyala yimali ekufanele ukuba iye kwikamva lakho.
Ukuba ulithandile eli bali, jonga iziqephu ezininzi ze-Getting Rich apha.
