Millennial myth busted-they are savers not spenders
Mumwe kazhinji anofunga nezvemakumi emakore seanozvimiririra uye akabhadhara mari nokuda kwechikwereti chechikwereti chevadzidzi uye penchant yemitengo yakadhura sekutenga ikozvino vhizha yemagetsi. Asi ichangobva kuitika I State of Employee Benefits report 2017 yakabudiswa nevashandi inobatsira SaaS firm firm Benefitfocus inoti zvimwe. Mukutsvakurudza kwemamiriyoni 1 ega ega ehurumende dzekunyora zvinyorwa, nhamba yevanhu vane zviuru zvemakore vane makore makumi maviri nemasere vari pasi pezera remakore makumi maviri nemakumi maviri ekunyora mubhuku rekuchengetedza kwehutano yakasimuka ne40 muzana mugore rapera. Ava vane zviuru zvemakore vakawedzerawo mari yavavari kupa kune zvirongwa zvavo zveHSA. Pakati pavhare, kuwedzera uku kuri $ 200 pamushandi (kana kuti 20 muzana kuwedzera).
Iyi mipiro yakawanda inenge yakawanda kudarika IRS chibvumirano, asi ichiri kuratidza kuti mireniyari iri kuva nyanzvi yevashandi vanobhadhara vatengi. Vaya vanotora muzvirongwa izvi vanonzwisisa kuti zvakakosha sei kurasa mari yekukurumidzira kwezvokurapa, yakakwirira kudarika mashomanana ekubviswa kwegore, nezvimwe.
Vamwe vari kusimbisa zvakanyanya pakuisa mari iyo inogona kushandiswa pane imwe nguva inotevera kana vakashandura mabasa kana kuchengetedza hutano kana vachinge vawana vasina ruzivo rwehutano .
Sei nheyo dzehutano dzekushaya utano dzinokwezva kune zviuru zvemakore?
Mireniyamu akakurira mune dzimwe nzira achijekesa, pasinei nematambudziko emari nguva.
Izvi zvinogona kutsanangura kuti nei vachifarira nheyo dzekuchengetedza hutano nekushandisa nzira iyi yekuisa mari kune ramangwana. Mireniyadhi akacherechedza vabereki vavo vachirwa nehupfumi, kunyanya munguva yekuderera kwegore ra 2007-2011. Vave vakarindawo sekushandura kwehutano hwakashandura uye vakanga vasingadi kubatanidzwa.
Vazhinji vane zviuru zvemakore vanoisa zvavanoda pahupenyu hwavo hwehupenyu nekugara vane hutano, saka vanonzwisisa mari inobatanidzwa mukubhadhara inishuwarenzi yehutano yakakwana uye kuchengetedzwa kwekurapa nguva dzose. Vanowanzova noutano hwakanaka uye vanoedza kudzivisa hutano hwezvizvarwa zvevari mberi kwavo. Vakawanda havaoni pfungwa yekubhadhara zvakanyanya kuhutano hwehutano inshuwarheni kana vakagwinya uye havadi kuona chiremba zvakanyanya.
Kubhadhara mari mukana
Nhoroondo yemari yekuchengetedza utano inowanzova yakakosha kune wechidiki kune mamwe maitiro ezvigadziro zvekuchengetedza, zvakadai sekuchengetedza mari yekusarura izvo zvisiri nyore kuwana apo zvinodiwa. Kushandisa zvirongwa zve 401K zvakaderera pakati pezviuru zvemakore, uye iye zvino vangave vachifanira kuchengetedza zvakawanda pane zvaimbove vatenda.
Maererano neNerdWallet, zviuru zvemakore zvinogona kutarisa zvinenge 22 kubva muzana yemari yavanowana kuisa panze mukuchengetedza mari kana vachida kuenda kune imwe nguva pane imwe nguva.
Izvi zvinopfuura pamusoro pe11-15% iyo inowanzokurudzirwa kune vatengi. Imitero yemitero uye mari yekurarama inopikisa ichi chinodiwa. Nokudaro, zviuru zvemakore zvinoda kuita zvakawanda zvakagadzirirwa kugoverwa kwemari yavo, uye vari kutsvaga nzira dzekuderedza mutoro wavo wekuteresa panguva imwe chete. Kana ichibatanidzwa nemagariro ezvokuchengetedza basa rekuchengetedza basa, vanogona kuisa mari yemutero-pasina mari mubhuku rekuchengetedza kwehutano. Kana vachida kutora kubva pamari iyi, vanogona kuzviita sezvinodiwa mune zvekurapa uye vasinganetseki pamusoro pezvikwereti zvekurumidza kubviswa.
Kusanzwisisika uye kuenzanisa nehutano rekuchengeta mari
Mushandi wepamusoro anobatsirwa haasati awana zvinodiwa zvemamiriyoni mazana emakore vari kuchinja nekukurumidza mumararamiro avo. Vamwe vari kunze kwekoroji, vachigara vari voga kwekutanga uye vachiedza kugadzirisa bhajeti.
Vamwe vari kuroorana, kutenga imba, kana kuva nevana. Kunyange zvakadaro, vamwe vari vatsva kumabasa avo zvokuti havadi kuramba nekambani imwe chete kwenguva refu.
Nhoroondo dzekuchengetedza hutano dzinokumbira vashandi vashoma avo vari kutsvaga kuchinja kwakakwana kwezvisarudzo. Vanogona kutengesa kuzotarisana nevatsigiri vehutano hwakanaka uye mabasa avo avanoda. Vanokwanisawo kuwana zvipo zvavanogona kutora navo pavanoshandura mabasa. HSAs inozivikanwa nokupa izvi kushanduka uye kutarisira kudarika kwehutano hwemadhora.
Technology yekombiyuta uye kuwanika kweHSA kutevera
Mushandi anobatsira nyika iri kukura zvakanyanya teknolojia kupfuura kare. Iye zvino, zvinobvira kudzorera zvirongwa zvehutano hwehutano, kunyora muzvibatsiro, chengetedza mararamiro ezvokuchengetedza kwehutano, nekuita zvisarudzo paunofamba ne-smartphone. Mobile apps mapurogiramu ekuchengetedza utano hwehutano akaisa ruzivo kune rumwe rutivi. Mireniyadhi akafanana nekukwanisa uku kuita zvisarudzo chero nguva uye chero kwavanenge vachida, uye kuchinja kuhuwandu hwemari kana vachida.