Pafupifupi anthu 41 miliyoni a ku America chaka chino, yankho la funso limodzi ndilo inde, malinga ndi kafukufuku wochokera ku MBO Partners. Amapanga gawo limodzi mwa atatu mwa ogwira ntchito ku US, akugwira ntchito m'malo mochita ntchito kwa bwana wamba. Ndipo pofika chaka cha 2020, ziŵerengero zawo zikuyembekezeka kuti zidzakula mpaka 40 peresenti ya antchito onse oposa zaka 21.
Kafukufuku amapeza kuti mamembala a "Gig Economy" ameneŵa amakhala achimwemwe ndi ocheperako kuposa awo omwe amagwiritsidwa ntchito mwachizolowezi. Koma ngati mumadziwerengera nokha, mwinamwake mulibe kachilombo kachitetezo kamene timagwiritsa ntchito ngati ntchito - zinthu monga bwana-inshuwalansi yothandizira inshuwalansi, ndondomeko yopuma pantchito, inshuwalansi ya ogwira ntchito, ndi zina zotero. Ndipo kupanda phindu koteroko kungakhale ndi zotsatira zachuma. Mmodzi mwa antchito atatu odziimira payekha omwe anafukulidwa ndi MBO akuti kukonzekera ntchito yopuma pantchito ndi kovuta, ndipo 40 peresenti amawonetsa nkhaŵa chifukwa cha phindu lawo - makamaka chithandizo chamankhwala makamaka.
Yankho - kaya mukufuna kuyembekezera kukhala wogwira ntchito payekha nthawi zonse - ndikopeza njira yothandizira phindu lanu.
Nazi zomwe muyenera kuchita:
Yambani Ndi Thanzi
Zoona, pakalipano, chithandizo chaumoyo ndi funso laling'ono. Koma izi sizikutanthauza kuti muyenera kudalira kugula zinthu lero ndi posachedwa.
Chaka chilichonse, zovuta zambiri zimayambitsidwa chifukwa cha zovuta zachipatala zopanda malire kuposa china chilichonse. Muli bwino kugula zofunikira pakalipano - ngakhale zitatha chaka chimodzi kapena zoposa - kusiyana ndi momwe zinthu zikuyendera mawa.
Ndi chifukwa chake kupeza chithandizo cha inshuwalansi chiyenera kukhala chofunika kwambiri, "anatero Noah Lang, CEO wa Stride Health, pakhomo lachipatala lomwe limagwirizanitsa antchito odziimira okha - kuphatikizapo pa mapulaneti ngati Uber ndi Etsy - ndi mapulani othandizira kwambiri.
"Ngati mulibe china chilichonse, koma muli [inshuwalansi ya umoyo], mwina muli ndi chiopsezo chachikulu m'moyo wanu," akutero.
Monga momwe nkhaniyi imasindikizidwa, sitili mu nthawi yolembera - nthawi ya kalendala pamene aliyense angathe kulemba ndondomeko yatsopano ya zaumoyo kudzera muzithandizo za zaumoyo zomwe zatuluka ku Care Affordable Care Act (olemba ntchito ali ndi nthawi yolembera ). Mukhoza kulemba kuti mupeze chithandizo ngati muli ndi chidziwitso chokwanira, kukwatira kapena kusudzulana, ndipo kukhala ndi mwana onse akuyenerera. Koma mwinamwake, iwe uyenera kuyembekezera mpaka kugwa; Kulemba kolembetsa kwa chaka chatha kunayamba Nov. 1 ndipo kunatha milungu isanu ndi umodzi, ndipo mwina mukuyembekezera dongosolo lomwelo chaka chino.
Kawirikawiri, kugula ndondomeko kumatanthauza kusankha malo ogulitsa. Mungathe kupyola malonda kudzera pa healthcare.gov, kapena mutha kusankha njira yomwe imapereka malangizo. Stridehealth.com ndi njira imodzi. Freelancersunion.org ndi yina. (Ndipo ngati mukupeza zowonjezera zisanu ndi chimodzi, mukhoza kuyang'ana pa MBOpartners.com, zomwe zimapitirira mopitirira chithandizo chachipatala kuti muthandize ndi chirichonse kuchokera mukuphatikizidwa ndi kusamalira zosowa za ofesi yanu.
Ndiye, muyenera kusankha mtundu wa ndondomeko yogula.
Zosankha zanu:
PPO, yomwe siimakulepheretsani kukhala ogwira ntchito zothandizira odwala mu-network (kapena kukupangitsani kuti mutumizidwe kwa akatswiri), koma adzakulipirani ndalama zowonjezera zowonjezera kwa osowa pa intaneti
HMO, yomwe imalepheretsa kufalitsa thandizo lachipatala kwa ogwira ntchito zachipatala omwe ali mu-network omwe akugwirizanitsa nawo
Ndondomeko yaumoyo yodalitsidwa kwambiri ndi Accounting Account, yomwe mumalipiritsa nthawi yanu yochulukirapo ndi malamulo anu mpaka mutakumana ndi ndalama zanu, ndikugwiritsa ntchito HSA yopindulitsa msonkho kuti muthandize kupezera ndalamazo.
Kodi mumapanga bwanji foni? Ngati muli ndi thanzi labwino (ndipo simukukonzekera kutenga mimba nthawi yomweyo), kugula ndondomeko yapamwamba yokha ndiyo njira yopitira. Ngati muli ndi matenda aakulu (ndipo ngati madokotala mumawawona), kugula PPO kapena HMO yamtengo wapatali yomwe imabweretsa ndalama zambiri nthawi zambiri ndizoyendetsa bwino.
Ndipo zindikirani: Ngati ndinu wodziyimanga wodziimira akukhazikitsidwa monga C corporation, ma HRA - A Account Reimbursement Account, omwe amakulolani kupereka zopambana kuposa HSA - ingakhale njira yabwino kwambiri yopitira, anati Gene Zaino, CEO wa MBO Partners.
Kenaka, Onetsetsani Phindu Lowonjezera
Inu mukuganiza kuti kuchoka pantchito kungakhale lotsatira pa mndandanda. Lang ndi kaŵirikaŵiri yachiŵiri yomwe imafunidwa kwambiri, koma osati yachiŵiri yofunika kwambiri, "anatero Lang. "Choopsa chachikulu ndi chakuti simungathe kuwonetsa ntchito, chifukwa mukudwala kapena mukuvulala - kapena simungathe kulipira ngongole." Mukhoza kutsimikiza kuti mungathe kuonetsetsa kuti muli osachepera zikwi zingapo kutali ndi ndalama zosungira. Poganizira kuti 42 peresenti ya a ku America ali ndi ndalama zokwanira kuti apeze ndalama zokwana madola 400 (malinga ndi Federal Reserve), ndilo malo omwe anthu ambiri angagwiritse ntchito ntchito.
Njira imodzi yowonjezeretsa ndalamazo ndikutumizira peresenti ya zomwe mumapeza muchisungidwe. Mukhoza kukhazikitsa pamwezi uliwonse kapena mwezi uliwonse ndi banki yanu, koma ngati mutapatsidwa malipiro osakwanira, izi zingayambitse mavuto ndi kubwezera ndalama. Zingakhale zosavuta kuti muzisunga pamene mukulipidwa. Pulogalamu yamtundu ngati Tip Dzimwini imakhala yosavuta ngati mungagwiritse ntchito kulipira ngati chowongolera kuti mutenge ndalamazo. Kapena, mukhoza kuyesa Digit, pulogalamu yomwe imatanthauzira kuchuluka kwa ndalama zomwe mungakwanitse kuzigwiritsa ntchito pogwiritsa ntchito ndalama zanu, ndi ndalama mu akaunti zanu, kenako zimasunthira ndalamazo.
Pomaliza, Muzichita Ntchito Yopuma
Pofuna kupuma pantchito, ngakhale mutasankha kubwerera kuntchito kwa abambo anu, ndalama zokwana madola 5,500 za Roth IRA zomwe munapanga chaka chino zingakhale zokwanira madola 60,000 mu 2047. Mwinanso.
Simukusowa ntchito yanthawi zonse kuti mupereke ndalama pa akaunti ya pantchito, ndipo zosankha za freelancers zambiri. IRA kapena Roth IRA onse amakulolani kupereka ndalama zokwana madola 5,500 pachaka (kapena $ 6,500 ngati muli 50 kapena kupitirira), ndipo SEP IRA (yokonzedweratu kwa anthu ogwira ntchito) imakulolani kuchotsa 25 peresenti ya yanu ndalama, zolembedwa pa $ 54,000 pachaka.
Koma Lang akuwonetsa ndalama zoyamba za Akaunti Yopulumutsa Health poyamba. Malingaliro ake ndi olondola. Ma $ 3,460 omwe mungapereke kwa munthu mmodzi, kapena $ 6,900 pa banja, ndi-monga mwambo kapena SEP IRA-msonkho-deductible. Ndalama zikhoza kuyendetsedwa kuti zikule msonkho wotsalira. Kenaka, mukakhala pantchito, mungagwiritse ntchito chirichonse (osati ndalama zokhazokha zachipatala) polipira msonkho wa phindu pazochotsa. Koma mosiyana ndi IRAs, mungagwiritse ntchito ndalama za msonkho kwa zosowa zaumoyo nthawi iliyonse. Ngati mulibe HSA-kapena mutalandira ndalama-pita kumasewera a IRAs. Ndipo monga wogwira ntchito mwakhama angakhazikitse 401 (k) kuti adzichotsere aliyense payekha, momwemonso mungapeze njira yothetsera ndi kuiwala zopereka zowonongeka ku akaunti yanu yapuma.