Zaka 1,000 Zimayendetsa Bwanji Kukula kwa HSA?

Nkhani za ndalama zothandizira zaumoyo kapena ma HSA ndi otchuka kwa antchito omwe akufuna kuwononga ndalama zambiri kuti azilipiritsa ndalama zothandizira odwala. Internal Revenue Service inabweretsa ndalama zokwanira madola 50 ogwira ntchito yogwira ntchito mu 2017, choncho ndi njira yokongola kwambiri yosungira madola a msonkho. Koma, izi zokha sizikuwerengera kuwonjezeka kwakukulu kwa kugwiritsidwa ntchito kwa HSA ndi mbadwo wa zaka chikwi, omwe akugwira nawo mwakhama msonkho umenewu.

Nthano Zaka 1,000 zapitazo-zimakhala zopanda ntchito

Ambiri amaganiza kuti zaka zikwizikwi zimadzipangitsa kuti azikhala ndi ndalama zokhazokha chifukwa cha ngongole ya ngongole ya aphunzitsi komanso malingaliro a mtengo wapatali monga kugula makompyuta atsopano. Koma posachedwapa State of Employee Phindu 2017 lipoti lolembedwa ndi antchito amapindula SaaS firm Benefitfocus amanena mosiyana. Pa kafukufuku wolemba mabuku oposa 1 miliyoni, ogwira ntchito zaka zikwizikwi zosakwana zaka makumi awiri ndi zisanu ndi ziwiri (26) omwe akulembetsa ku akaunti yopezera ndalama akukwera ndi 40 peresenti chaka chatha. Zaka zikwizikwi izi zinapanganso kuchuluka kwa ndalama zomwe akupereka ku mapulani awo a HSA. Kawirikawiri, kuwonjezeka uku ndi $ 200 pa ogwira ntchito (kapena kuwonjezeka kwa 20 peresenti).

Zopereka izi zimakhala zocheperapo kusiyana ndi IRS, koma zikuwonetsanso kuti zaka zikwizikwi zikuyendera bwino ogwira ntchito ogula ntchito. Amene akugwira nawo ntchitoyi akuzindikira momwe kulili kovuta kuchotsa ndalama zowonjezereka zachipatala, zopitirira malire operekera pachaka, ndi zina zambiri.

Ena akugogomezera kwambiri kusiya ndalama zomwe zingagwiritsidwe ntchito patsiku lomaliza ngati akusintha ntchito kapena kukhala ndi moyo wabwino ngati mwadzidzidzi akupeza kuti alibe mwayi wathanzi .

Nchifukwa chiyani nkhani za ndalama zaumoyo zimakongola kwa zaka zikwizikwi?

Zaka Chikwi zakula mwakuya zina, ngakhale zinali zovuta pa nthawi yachuma.

Izi zikhoza kufotokoza chifukwa chake iwo ali ndi chidwi ndi nkhani za ndalama zothandizira zaumoyo ndikugwiritsa ntchito njirayi poika ndalama kutali ndi tsogolo. Zaka zikwizikwi zawona makolo awo akulimbana ndi mavuto azachuma, makamaka panthawi yachuma cha 2007-2011. Iwo akhala akuwonetsetsa monga kusintha kwa chisamaliro cha zaumoyo kwasintha ndipo akukayikira kutenga nawo mbali.

Zaka zikwizikwi zambiri zimasankha zokhudzana ndi moyo wawo wa ntchito ndi kukhalabe wathanzi, motero amamvetsa ndalama zomwe zimaphatikizapo kulipira inshuwalansi yathanzi yokwanira ndi chithandizo chamankhwala choletsa nthawi zonse. Amakonda kukhala ndi thanzi labwino komanso amayesetsa kupeŵa thanzi la mibadwo yawo isanakhalepo. Ambiri sawona mfundo yolipira kwambiri chithandizo cha inshuwalansi ngati ali ndi thanzi labwino komanso sakuyenera kuchiwona dokotala.

Kusunga ndalama pantchito

Nkhani yopezera ndalama nthawi zambiri imakhala yokongola kwachinyamata kusiyana ndi njira zina zosungiramo ndalama, monga kusungirako ndalama zomwe sizingakhale zovuta kupeza ngati pakufunika thandizo. Kugwiritsa ntchito mapulani okwana 401K kwagwa pakati pa zikwizikwi, ndipo tsopano iwo ayenera kupulumutsa zambiri kuposa momwe ankakhulupirira poyamba.

Malinga ndi NerdWallet, zaka zikwizikwi zingakhale zikuyang'ana pafupi 22 peresenti ya ndalama zomwe amaika pambali pantchito yopuma pantchito ngati akuyembekeza kuti apume pantchito tsiku linalake.

Izi ziri pamwamba pa 11-15 peresenti yomwe nthawi zambiri imalimbikitsidwa kwa ogula. Mitengo ya msonkho komanso mtengo wa moyo zikukhudzidwa ndi lamuloli. Choncho, zaka zikwizikwi zimayenera kugawidwa bwino kwambiri, ndipo akuyang'ana njira zothetsera msonkho wawo pa nthawi yomweyo. Pogwirizana ndi ndondomeko yosungirako ndalama zapuma pantchito, akhoza kuika ndalama za msonkho kutali ndi akaunti ya ndalama. Ngati akufunikira kuchoka pa ndalamazi, akhoza kuchita momwe akufunira kuti asamalire ndalama komanso osadandaula za chilango choyambirira.

Kukhazikika ndi kuthekera ndi ndalama zachuma

Wogwira ntchito wamba samapindula ndi zosowa za zikwizikwi zambiri omwe akusintha mofulumira pa moyo wawo. Ena ali kunja kwa koleji, akukhala okha kwa nthawi yoyamba ndikuyesera kukonza bajeti.

Ena akukwatirana, kugula nyumba, kapena kukhala ndi ana. Komabe, ena ali atsopano kuntchito zawo kuti sakufuna kukhala ndi kampani iliyonse yaitali.

Ma akaunti osungirako zaumoyo akudandaulira ogula achinyamata omwe akufunafuna kusinthasintha kotheratu kosankha. Angayambe kugula malo ogulitsira ogwira ntchito zaumoyo komanso ntchito zomwe akufunikira. Angakhalenso kufuna zopindulitsa zomwe angatenge nazo pamene akusintha ntchito. Ma HSA amadziwika kuti amapereka chisinthiko ndikuyang'anira madola a zaumoyo.

Mapulogalamu apakanema ndi kupeza kwa HSA kufufuza

Wogwira ntchitoyo akupindula kwambiri padziko lapansi akukula kwambiri kuposa zamakono kuposa kale lonse. Tsopano, n'zotheka kubwereza ndondomeko zothandizira zaumoyo, kulembetsa phindu, penyani ndondomeko ya ndalama zowonjezera ndalama, ndi kupanga zisankho potsatira ndi foni yamakono. Mapulogalamu apakompyuta a mapulani osungirako zaumoyo amaika mfundo pamanja. Zikwizikwi monga mwayi uwu wopanga zosankha nthawi iliyonse ndiponse pomwe akufuna, ndikusintha ndalama zawo ngati akufunikira.