Pezani Momwe Amayi Akukhalira Osankhidwa Phindu la Kupuma pantchito
Anthu ambiri ogwira ntchito akuyembekeza mwachidwi tsiku limene angatulukemo pa mpikisano wa makoswe ndikuyamba kukondwerera zaka zawo. Izi zikuphatikizapo mamiliyoni a akazi ogwira ntchito omwe akuyandikira zaka zapuma pantchito ku US. Komabe, amayi ambiri akusiya ndalama zambiri patebulo, malinga ndi kafukufuku waposachedwapa.
Pamene Akazi Amachoka
Malingana ndi deta ya 2014 kuchokera ku Social Security Administration , 40.8 peresenti ya amayi a zaka makumi asanu ndi awiri ndi makumi awiri ndi anayi ndi makumi asanu ndi limodzi (62) adanena kuti amapuma pantchito, 65 peresenti ya amayi a zaka 66 kapena m'modzi adanena kuti ndi awo, ndipo 2,8 peresenti ya amayi omwe ali ndi zaka makumi asanu ndi awiri kapena kuposerapo adanena zawo.
Ngakhale zaka zoyenera kulandira zopindula ndi 62, amayi omwe amapindula nawo adakali aang'ono amachepetsa phindu lawo mwa magawo 30 peresenti pa iwo amene amadikirira mpaka zaka 65. Izi zikutanthauza, mkazi akhoza kulandira $ 1200 pamwezi nthawi zonse Social Security malipiro, koma pomulandira mapindu, nambala iyi ikutsikira ku $ 840 pamwezi. Kwa zaka zoposa chaka, imfayo imapitirira madola 4,320 ndipo ngati akukhala ndi zaka 85, amataya $ 99,360 phindu la moyo wake wonse.
Mkazi akafika msinkhu wokhazikika pantchito (65), nthawi zambiri amatha kulandira phindu lake lonse la Social Security kapena theka la okwatirana ake (kaya ndi ndalama zingati). Ngati adanena zopindulitsa msanga, ali ndi zaka 62, amapeza 70.4 peresenti ya phindu lake komanso 32.5 peresenti ya phindu la mkazi wake.
Akazi Ambiri Amakhala Osakhala
Pulogalamu Yopeza Ntchito Yopuma pantchito ku koleji ya Boston College inasonyeza kuti akazi akhala akutha msinkhu pafupi zaka zofanana kwa zaka pafupifupi khumi.
Koma, izi sizimalongosola azimayi a ku America okwana 2.9 oposa 65 omwe tsopano amakhala pansi pa umphawi - omwe ali oposa aŵiri miliyoni 1,3 omwe amakhala mu umphawi, malinga ndi deta kuchokera ku National Women's Law Center . Ngakhale kuti amuna amakhala ndi mtundu wina wa ndalama kuti akhale ndi moyo wabwino, amayi amakhala oposa asanu kuposa amuna kuti azikhala nawo pa Social Security madalitso okha.
Mzimayi nthawi zambiri amakakamizidwa kugwira ntchito za nthawi imodzi kapena kudalira ana kuti azipeza zofunika.
Zinthu izi zikusintha ena monga mbadwo watsopano wa akazi omwe akukhalabe ntchito kwa nthawi yaitali, ndikupeza ndalama zambiri kuposa abambo awo, koma pakuganizira chiwerengero chachikulu cha amayi amene adalirabe phindu la mzimayi kulipira zofunika, ambiri amapita popanda. Nyumba, yomwe kale inali yofunika kwambiri ya ndondomeko yopuma pantchito, yakhala yotsika mtengo m'madera ambiri omwe amapita ku msonkho omwe amachoka pantchito sangakwanitse kukhala m'nyumba zomwe amagwira ntchito molimbika kwambiri. Ambiri akukumana ndi mavuto azaumoyo omwe amapereka zinthu mu miyezi, osati zaka zomwe akukonzekera kuti achoke pantchito. N'zosadabwitsa kuganiza kuti boma likuyembekeza munthu wopuma pantchito, ali ndi ndalama zothandizira, kuti azikhala mosangalala pokhapokha zomwe munthu amalandira malipiro ochepa.
Mmene Akazi Angapezere Zambiri Phindu la Kupuma pantchito
Akatswiri azachuma amalangiza njira ziwiri za amayi omwe akufuna kukhala moyo wabwino pa ntchito yopuma pantchito. Nambala yoyamba - yambani ndalama zothandizira pantchito mwamsanga mwamsanga pamene mukugwiritsabe ntchito ndikuyikapo ndalama zambiri zopezera msonkho momwe mungathere mu ndalama zowonongeka. Ngati mkazi angathe kupulumutsa $ 100 pamwezi panthawi yopuma pantchito, kuyambira pomwe ali ndi zaka 35, amatha kupeza ndalama zokwana madola 1 miliyoni pa ndalama zothandizira msonkho ali ndi zaka 70.
Chachiwiri, akatswiri a zachuma amalimbikitsa kuti azigwira ntchito yosonkhanitsa phindu la Social Security mpaka mutatha zaka zonse zapuma pantchito. Kwa chaka chilichonse mkazi amachedwa kuchepetsa ubwino wake, amapeza ndalama zokwana 8 peresenti zochepetsera pantchito zomwe zingapindulitse phindu lake ngati 32 peresenti ngati akuyembekezera mpaka zaka 70 kuti adzipindule. Izi sizikutanthauza kuti mkazi ayenera kusiya kugwira ntchito kapena kukhala popanda. Akazi angathe kugwiritsira ntchito mitundu ina yosungiramo ndalama, kubwezeretsanso ndalama zogulira ndalama, komanso ndalama zachuma mpaka pano.
Gwiritsani ntchito kachipatala chothandizira kuti mupeze nthawi yabwino yopuma pantchito.