Kushandisa Akaunti Yenyu Yekuchengetedza Inogona Kuda Mari
Izvi zvakakosha, tichifunga kuti vasikana vane makore makumi matanhatu nemashanu vane makore vanosvika madhora makumi maviri nemazana maviri nemakumi maviri nemakumi mashanu emakero ekurapa muhutano. Chiitiko ichocho hachirevi mari yekuchengetedza kwenguva yakareba, iyo inogona kuwedzera zviuru zvemadhora kusvika kuhuwandu.
Medicare inogona kutora tab kune mamwe ekurapa kwako kwehutano mukurasira, asi haifaniri kuvhara zvinhu zvose, kusanganisira kutarisira kwenguva refu. Ndiyo apo HSA inogona kuva inokosha. Iwe unogona kubvisa mari kubva kune HSA yako isingabhadhara mutero wekurapa. Uye, iwe unogonawo kutora HSA yako kune zvimwe zvidikanwi zvemari-nemutero caveat, zvirokwazvo.
Kana iwe uine ruzivo rweAkaunti yeEalth Savings, zvakakosha kuti uve nechokwadi chokuti urikushandisa kushandisa zvakakwana. Iko kunotanga nekudzivisa izvi zvikanganiso zvakawanzo.
Nhema 1: Kuvhiringidza HSA NeFSA
A Flexible Spending Arrangement ndechimwe rudzi rwekodhi-yakakonzerwa nhoroondo yekuchengetedza kwehutano. Kunyange zvazvo zvinyorwa zveFSAs neHSAs zvakafanana, kune zvimwe zvakakosha zvakakosha kuti uzive kana iwe waunoshandira akakupa sarudzo yekushandisa chirongwa.
Kutanga, HSA inokubvumira kuchengetedza zvimwe zvekutarisira utano. Kubva muna 2017, mutero wekubhadhara mutero kune imwe FSA inosvika pa $ 2 600.
NeHSA, iwe unogona kupa $ 3 400 kana uine chinyorwa uye $ 6 750 pamhuri yekuvhara. Iyi miganhu yeHSA inokwidzwa kukwira kusvika ku $ 3 450 uye $ 6 900, pamwe chete, muna 2018.
Saka nei izvi zvichikosha? Mipiro yeFSA inoderedza misha yako inotengesa, apo mipiro yeHSA inotengesa mutero. Chero nzira, iwe unowana kubhadhara mutero asi kana iwe uchibva kunze kweHSA yako, iyo inogona kubhadhara mutero mukuru wemitero pakupera kwegore.
Chimwe chinhu chakanaka kuziva ndechekuti zvipo zveFSA hazviputiki gore negore. NeHSA, zvisinei, iwe unogona kusiya mari iri muakaunti yako kusvikira iwe uchida. Izvozvo zvinoreva kuti haufaniri kuedza kuedza kushandisa mari iyo pasi gore rimwe nerimwe. Pane kudaro, unogona kuvabvumira kukura.
Mhosho 2: Kutora HSA Hazvikoshesa Kana Wakwegura
Kana iwe uchitova mumakore ako makumi mashanu, iwe ungasafunga kuti kugovera kune HSA kunokosha nguva yako. Panguva ino, somuenzaniso, iwe unogona kunge uchitarisa kutamba kubata-up ne 401 yako (k) chirongwa kana imwe yega yekubvisa mari. Izvozvo hazvirevi, zvakadaro, kuti iwe haugone kuwedzera huwandu hweHSA hupenyu huno.
Funga kuti uri nemakore makumi mashanu uye unopa $ 6,000 pagore kune HSA, kusvikira wava nemakore 65. (Yeuka, iwe haugoni kupa chikamu kune HSA kana wanyora kuMedare.) Achifunga kuti iwe unowana 3% gore rekudzoka uye kuwira mu25 muzana mutero bhati, iwe unogona kuunganidza madhora madhora 115 000 nokuda kwekutarisira kwehutano pamitero-yakasarudzwa. Kunyange kana iwe ukachengetedza zvishoma kudarika izvozvo, dhora rose raunenge waisa rinogona kushandiswa kukanganisa mari yekurapa mumakore ako akazotevera.
Kukanganisa 3: Kushaya kunze kweMushandi Anobatanidza Mipiro
A 401 (k) haisi iyo chete nzira yokugadzirisa imwe mari isina mari muchimiro chekambani yekambani.
Vashandi vanewo sarudzo yekupa mupiro wakaenzana kune veHurumende Savings Accounts. Kubata ndeyekuti zvipo zvakakwana ku-akhawunti-kusanganisira izvo iwe newaunoshandira-zvisingagoni kudarika chikamu chako chegore.
Izvozvo zvinoreva kana iwe uri nehuwandu hwehuwandu hwegore ra2017 uye mushandi wako anofanidza 100 muzana yezvaunoponesa, iwe unogona kupa $ 1,700 uye wako waanoshandira angaenzanisa zvakafanana. Chirongwa chekufananidza chako chinogona kunge chakasiyana asi zvakakosha kuongorora chirongwa chako chekuona kana mutsara uripo, sezvo izvozvo zvinoderedza mari yaunofanira kuchengetedza.
Nhema 4: Kwete Kufunga Mufananidzo Mukuru
Basa guru reHSA nderokukubatsira kuti unakidzwe nemimwe mitero yemitero apo uchichengetedza mari yekutarisira kwehutano kunoderedza mutsetse. Icho hachisi, asi, iyo nzira chete yekushandisa HSA mari.
Kana ukangosvika makore makumi matanhatu nemashanu, iwe unogona kubvisa mari kubva kune HSA nokuda kwechinangwa chipi zvacho, pasina chirango. Iwe unogona, zvakadaro, unofanirwa kubhadhara mutero unowanikwa pamari pane zvose zvaunotora zvisingashandiswi nekuda kwechiremba.
Izvi zvakakosha kuziva, kunyanya kana iwe usina kudurura mari yakawanda muurongwa hwekushandira kwemushandi wako kana IRA sezvaungadai wakafarira. Kunyange kana iwe usingagumi uchida kutora pane HSA kuvhara mari yekugara mukurasi, inogona kusimbisa rugare rwako rwepfungwa kuziva kuti mari iripo kana iwe uchida.
Nhema 5: Kusingazive Ndeupi Utano Huri Kutenga HSA Inogona Kushandiswa
An HSA inogona kushandiswa kubhadhara kutarisira utano asi haifaniri kuvhara zvose. Kana iwe uchikanganisa kushandisa HSA mari yekubhadhara mari isiri yakakodzera, iyo inogona kugadzira mutero wekutengesa. Iwe uchabhadhara mutero wenguva dzose pamari, pamwe chete ne20 muzana yerimwe mubhadharo mutero kana uri pasi pemakore makumi matanhatu nemashanu.
Pasi payo? Kana uine Aunti yeAalth Savings, iva nechokwadi chokuti uverenge pamusoro pemashoko epurogiramu yako zvakanyatsonaka kuitira kuti uzive zvakaputirwa uye zvisingaiti. Uye usaverengera HSA kunze kana iwe wakwegura, kana kana iwe une dzimwe nhoroondo dzauri kushandisa kuchengetedza kubhadhara. Kana iwe ukaramba uine hutano, HSA inogona kubatsira kubhadhara chero chinhu chipi zvacho chauri kuisa kunze kwekodha-inobhadharwa kana kuti inotengesa mabhengi ekubhadhara.