Riaan 
Liz othandekayo: Umyeni wami uneminyaka engu-75 futhi waqala i-Social Security eneminyaka engu-62. Ngineminyaka engu-68 futhi ngaqala I-Social Security ngineminyaka engu-66 yokuthatha umhlalaphansi ngokugcwele. Umhleli wami wezezimali uthi imithetho yokusinda isishintshile. Ukholelwa ukuthi uma ngifa kuqala, kuyilapho umyeni wami esafuna umhlomulo wami, kuzoncishiswa njengoba esheshe wathatha imihlomulo. Angikaze ngizwe ngalokhu ngaphambilini. Ingabe lokhu kuyiqiniso?
Impendulo: Cha. Ukuqala kwakhe kusenesikhathi ngeke kumthinte inzuzo yabasindile kufanele ufe kuqala, ngoba ubunguwe ohola kakhulu. Ukube ubehola kakhulu, nokho, ukuqala kwakhe kusenesikhathi bekungakujezisa.
Kuyinzuzo yomuntu ohola kakhulu enquma ukuthi osindile uthola ini. Uma omunye wenu efa, okuncane kwezinzuzo zenu ezimbili kuyaphela. Osindile uthola okukhudlwana kwamasheke amabili esikhundleni salokho.
Ngokusobala, ukulahlekelwa inzuzo kungasho ukwehla okukhulu kwemali engenayo. Inzuzo enkulu yalowo osindile ingasiza ngempela umlingani osele ukuba aziphilisa. Kungakho kubaluleke kakhulu ukuthi ohola kakhulu abambezele ukugcwalisa uma kungenzeka.
Umyeni wakho wamukele inzuzo encishiswe unomphela lapho efaka isicelo se-Social Security eneminyaka engu-62. Uthole umhlomulo wakho ogcwele, ongancishisiwe ngokulinda iminyaka yakho yonke yokuthatha umhlalaphansi. Ukube ubungakuhlehlisa isicelo sakho isikhathi eside, noma kunjalo, ubungathola “amakhredithi omhlalaphansi abambezelekile” abengathuthukisa isheke lakho – kanye nenzuzo ekugcineni osindile – ngo-8% unyaka ngamunye kuze kube yilapho umhlomulo wakho ufinyelela eminyakeni yobudala engama-70.
Ucwaningo oluningi luye lwabonisa ukuthi abantu abaningi bangcono ukubambezela Ukuvikeleka Komphakathi uma bekwazi. Ocwaningweni lwangoNovemba 2022 lweNational Bureau of Economic Research, kutholwe osomnotho abathathu ukuthi cishe bonke abasebenzi baseMelika abaneminyaka engama-45 kuya kwengama-62 kufanele balinde ngaphezu kweminyaka engama-65 ukuze baqoqe futhi abangaphezu kuka-90% kufanele balinde baze babe neminyaka engama-70.
Omunye wosomnotho abathathu, u-Laurence J. Kotlikoff, naye ubhalele umphakathi jikelele incwadi mayelana namasu Okuphepha Komphakathi ethi, “Get What’s Yours: The Secrets to Maxing Out Your Social Security.” Qiniseka ukuthi uthola inguqulo ebuyekeziwe ngoba iCongress yashintsha amanye amasu okumangala ngo-2015 (kodwa hhayi lawo athinta izinzuzo zabasindile).
Ungase ucabange ukutholela umeluleki wakho ikhophi, noma okungenani umthumelele isixhumanisi, ngoba nakanjani udinga ukuqinisa ulwazi lwakhe lwalolu hlelo olubalulekile kwabathatha umhlalaphansi.
Imiphumela yentela yefa le-CD
Liz othandekayo: Okwamanje nginesitifiketi sediphozi nalokho engikubheka njengebhalansi ephezulu ngokunengqondo. Ngiqambe ohlomulayo uma kwenzeka okuthile kuzokwenzeka kimi. Ingabe kuzoba nemiphumela yentela kozuzayo lapho ethola?
Impendulo: Ayikho intela yefa yenhlangano, kodwa izifunda eziyisithupha – Iowa, Kentucky, Maryland, Nebraska, New Jersey kanye nePennsylvania – zihlola izintela zamafa. Abashadile ngokuvamile abakhululwa futhi izinga lentela ngokuvamile liphansi kwezihlobo eziseduze.
Inzuzo enkulu empahleni eyifa
Liz othandekayo: Usanda kweluleka indlalifa ku-triplex okuyodingeka bayikhokhe intela yenzuzo enkulu uma bethengisa indawo, kodwa uma beyigcina futhi beshiyela izingane zabo, ngeke ibe khona inzuzo yemali yezingane. Kusebenza kanjani lokho?
Impendulo: Umbhali wencwadi yoqobo wazuza njengefa indawo kumzali ngo-2007. Impahla eyifa yathola “isinyathelo sokukhuphuka” esihle ngokwesisekelo sentela enanini elifanelekile lemakethe ngosuku lokushona komzali. Ngenxa yalokho, konke ukwazisa okwenzeka ngesikhathi sokuphila komzali akuzange kukhokhiswe intela.
Uma indlalifa ithengisa indawo, noma kunjalo, indlalifa izobhekana nezintela zenzuzo enkulu ekubongeni kusukela ngo-2007. Uma indlalifa iphethe indawo kuze kube sekufeni, indawo izophinda ithole isisekelo sentela esikhuphukela enanini lemakethe ngaleso sikhathi. Ukwazisa okwenzeke ngesikhathi sokuphila kwendlalifa ngeke kukhokhiswe intela.
U-Liz Weston, u-Certified Financial Planner, ungumlobi wezindaba zezezimali I-NerdWallet. Imibuzo ingathunyelwa kuye kokuthi 3940 Laurel Canyon, No. 238, Studio City, CA 91604, noma ngokusebenzisa ifomu elithi “Contact” kokuthi asklizweston.com.
