Iintshukumo ezi-5 zokugqibela eziNokukunceda ukuthoba iRhafu yakho yeRhafu kunye nokuGcina iMali

Ukuzibekel 'amangomso izinto, vuya: Ukuba awukayifaki eyakho ukubuyiswa kwerhafu okwangoku, lisekhona ixesha lokonga imali. Nangona usenokuziva ngathi awunakukutshintsha oko ukutyalayo okanye ubungakanani bokubuyiselwa kwemali, iingcali zithi okuchaseneyo kunokuba yinyani. Nokuba ulindele ityala okanye ukubuyiselwa imali, kukho ukuncitshiswa kwirhafu yokubanjwa, exabisa amakhulukhulu okanye amawaka okonga.

Kodwa, iwotshi iyakhathaza. Ngomhla wokugqibela werhafu ye-15 ka-Epreli usondela, kuya kufuneka uthathe amanyathelo ngokukhawuleza ukuba ufuna ukuthatha ithuba lokonga. Ngokuqala ngoku, uya kuba nexesha elininzi lokuqokelela iifom zakho zerhafu, uququzelele iirisithi, kwaye ubange oko ukufaneleyo. Ngokuqala ngoku, ungatsiba ubusuku bonke ngo-Epreli ukuze ufake ifayile yakho ngexesha.

Ewe kunokuhenda ukubaleka ngokobuhlanga ngesoftware yokufaka iifayile, kodwa unokushiya imali ngasemva. Ngaphambi kokungxamela ukuthumela ukubuya kwakho, jonga ezi ntshukumo zomzuzu wokugqibela.

Ityala: UMarisa Vitale

Gcina ngakumbi umhlala-phantsi

Ukuba uhleli kwimali eyongezelelweyo okanye ufumana itsheki elandelayo yokuyivuselela, ungayisebenzisa ukuthoba ityala lakho xa ugcina ikamva. Ngokudibanisa imali kwiakhawunti yomhlala phantsi yomntu ngamnye (IRA) ukuba unayo, unokufumana amanqaku okuncitshiswa kwaye unciphise ityala onalo okanye ukonyuse imbuyekezo yakho yerhafu. Olunye ukhetho olungaziwayo: Unokubeka imali kwi-IRA yeqabane lakho, nokuba ayisebenzi ngaphandle kwekhaya. Awunakho ukufaka igalelo elingaphezulu kwengeniso yakho yonyaka, nangona kunjalo.

Ukuba unako ukuwufikelela, yiya kuwo, utshilo uLeona Edwards, umcwangcisi wezezimali oqinisekisiweyo osekwe e-Nashville, eTennessee Abacebisi ngezeMariner . Kodwa kuya kufuneka ubukele imida yokungcungcutheka kunye nexesha elibekiweyo: Ungagcina ukuya kuthi ga kwi-6,000 yeedola, kunye ne- $ 1,000 eyongezelelweyo ukuba uneminyaka engama-50 okanye ngaphezulu. Umhla wokugqibela wokongeza imali ngo-Epreli 15 ngaphandle kokuba wena ifayile yolwandiso lwerhafu . Kwakhona, isicwangciso sakho somhlala-phantsi emsebenzini kunye nengeniso inokunciphisa umda kubungakanani bekhefu lakho lerhafu. Imithetho epheleleyo yile Apha .

Ezi zinto zenzelwe irhafu ziyafumaneka kuphela kwi-IRA yakho yesiqhelo, kunye negalelo lakho leRoth IRA (emva kwerhafu) alizukuyiphucula irhafu yalo nyaka. Ukuba awuqinisekanga ukuba loluphi uhlobo lwe-IRA onayo, tsalela umnikezeli wakho umnxeba kwaye ufunde ngakumbi koku itshathi efanelekileyo .

Ngelixa liphelile ixesha lokufaka imali eninzi kumqeshi onikezwe ngumqeshi onikwe i-401 (k), abantu abaziqeshileyo basenokongeza imali kwi-Solo 401 (k) yabo-ukuya kuthi ga kwiipesenti ezingama-25 zomvuzo wakho-njengomqeshi.

Ukunyusa ukonga kwakho kwezempilo

Iakhawunti yakho yokonga impilo (HSA) ingaphezulu kwekhadi ledebhithi lokuswayipha kwiofisi kagqirha okanye kwikhemesti; ikwayindlela ekrelekrele yokugcina kwiirhafu zakho. Lisekho ixesha lokuba gcina ukuya kwi $ 3,550, okanye i- $ 7,100 yesicwangciso sosapho, kwaye ufumane ukuncitshiswa kwerhafu kunyaka werhafu we-2020.

Ayizukugcina kuphela irhafu yakho, kodwa uya kuba nayo imali xa uyifuna. Akukho xesha libekiweyo lokusebenzisa imali, kwaye unokuyigcina yonke xa utshintsha imisebenzi. Kumnandi ukwazi ukuba kukho iqanda kwindlwana xa kunokwenzeka ukuba ubize ityala lezonyango, utshilo uEdwards.

Ii-HSA zikwanenye into enomdla kwirhafu: ithuba lokufumana inzala engenarhafu. Ezinye ii-HSA zikuvumela utyale imali yakho eseleyo ukuze ikhule ngokuhamba kwexesha, u-Edwards wongeza. Xa ufuna ukuchitha imali, awuyi kuhlawula irhafu okanye isohlwayo, ukuba nje uyisebenzisela iindleko zonyango ezifanelekileyo .

Ityala: UDiana Paulson

Tally Yakho Iminikelo ka-2020

Ngaphandle kwesifo, i-2020 ibingunyaka werekhodi yothando. Ngokwe- uphononongo lwakutsha nje olungabonakaliyo , Iipesenti ezingama-55 zabantu baseMelika banikele ngemali ngo-2020, kwaye ezinye zezo zipho unokulungela ukufumana ikhefu lerhafu . Ukuba unike imali ngetsheki, kwikhadi letyala, okanye ngemali, kwaye uceba ukungazichazi izinto ozitsalileyo, ungathabatha ukuya kuthi ga kwiidola ezingama-300 zeminikelo efanelekileyo. Emva kokudibanisa iirisithi zakho, ungabona ukuba ngawaphi amaqela afanelekileyo esi sixhobo se-IRS .

Sukuziphosa iindleko zoShishino

Abanini bamashishini, jonga iindleko zakho, ucebisa uEdward. Kunokubakho into oyilibeleyo ukuba uyitsale. Nokuba ungumntu osebenza yedwa, usonkontileka, okanye umnini weshishini elincinci, kunokuba lula ukutsiba okonga imali.

Nantsi indlela esebenza ngayo: Ungathabatha iindleko ezithile kwingeniso yakho, unciphise inzuzo yeshishini lakho kwaye wehlise umvuzo wakho werhafu. Ezinye zeendleko zeshishini ezixhuzulekileyo zinokubandakanya, kodwa azikhawulelwanga:

oko u-1111 kuthetha ngokomoya

• Amatyala eselfowuni
• Ukuqhubeka kwemfundo
• Iimali-mali zeinshurensi yezempilo
• Ukusetyenziswa kwekhaya lakho emsebenzini / kwishishini
• Amatyala kwi-Intanethi
• Ukutya (ukuya kuthi ga kwiipesenti ezingama-50)
• Ingeniso yeshishini efanelekileyo
• Isicwangciso somhlala-phantsi njengegalelo 401 (k) kuphela okanye SEP IRA
• Irhafu yokuzenzela (ukuya kuthi ga kwiipesenti ezingama-50)
• Ukuhamba

Ngaphambi kokugcwalisa ukubuya kwakho kwirhafu, kubalulekile ukuba uququzelele isitokhwe sakho esimdaka seerisithi zeshishini. Uphicotho lwerhafu lunokwenzeka, kwaye ukuba luyenzeka, kuyakufuneka ukuba ube nobungqina obulula bokufikelela ekutsalweni kwakho.

Ngelishwa, ukuba usebenza eofisini kodwa usebenza ngokusisigxina ekhaya ngexesha lo bhubhane, awuzukufanelekela Ukuncitshiswa kweofisi yasekhaya . Kodwa ukuba uchitha imali ukuyiphelisa iofisi yakho yasekhaya, unokucela umqeshi wakho ukuba agubungele ezinye zeendleko.

Ityala: U-Emily Billings

Sebenza neNgcali yeRhafu

Ukuba uziva ulahlekile ngokupheleleyo okanye imeko yakho inzima, kunokuba kufanelekile ukuqesha ingcali, njenge-accountant kawonkewonke eqinisekisiweyo (CPA) okanye iarhente ebhalisiweyo (EA). Unokuphumla ngokulula usazi ukuba ukubuya kwakho kwirhafu kuchanekile kwaye awumbhatali uMalume uSam ngokungaphezulu koko kufuneka. Qesha ingcali yerhafu ukuze uqiniseke ukuba awushiye mali etafileni, utshilo uEdwards. Ngokuqinisekileyo, kuya kufuneka ubahlawule ngeenkonzo zabo, kodwa loo ntlawulo ingabuyiselwa ngokukhawuleza kwimali abanokukunceda ngayo ukuba ugcine, ixesha elide.

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