Nā Kūlana Kaupapa no ka mālamaʻana i nā mea hou aku i kāu Pocket
1. E lawe i ka pono kūpono o kekahi a me nā uku kaulike kaulike
ʻO nā manawa kūpono e pale aku i nā kālā mai kaʻauhau, eʻaeʻole i ka nui o ka ukuʻole o kaʻauhauʻauhau a me kaʻauhau kālā o ka waiwai waiwai, nā'āpana, ukupanee, a me nā uku hoʻolimalima i ka'āina nui e like me ia i kēia lā. Mai nāʻike pilikino e like me ka Roth IRA,ʻo ia ka mea kokoke loa i ka hale mālama puʻuwai waiwai kūpono e hoʻonui ai ka mea kūʻai waiwai, i kēia papahana 401 (k) i ka manawa, he mea ia e loaʻa ai iāʻoe nā makana pili likeʻole mai ka mea hana. ,ʻaʻohe kumu eʻaeʻole e hiki i kāu kālā ke ulu ma mua o ka hikiʻana o ke Federal, State, a me ka moku'āina. E hana i nā mea a pau āu e kuleana ai e hoʻohana i nā palena manawa o ka hoʻohālike makahiki .
2. Nā Kūlākila Auhau Lāhui Hoʻoilina
ʻO ka waiwai like i loko o kahi waihona kālā e hiki ke lawe i nāʻano he nui ma hope o kaʻauhauʻauhau e pili ana i kahi e mālamaʻia ai.
Eia kekahi laʻana, hikiʻole i kaʻohanaʻohana waiwai nui ke kūʻai aku i nāʻauhau i nāʻauhau piha i nāʻauhau i loko o kahi pūkeke kālā . Ma lalo o kaʻaneʻane hikiʻole i kekahi ke loaʻa nā paʻa'āina i kaʻauhauʻauhauʻole ma kahiʻauhauʻauhau. ʻO ka loaʻaʻana o ka pōmaikaʻi, a no ka hoʻomauʻana i kaʻike, he kumuhanaʻauhau i kapaʻiaʻo ka hoʻokomo waiwai .
E hoʻomaikaʻi iā ia i nā manawa a pau.
3. E hōʻole i ka ho'āʻoʻana i nā waiwai waiwai āpau a inā aiaʻoe ma kahi waihonaʻauhau kiʻekiʻe
Ma muli o keʻano i kākauʻia ai ka heluʻauhauʻAmelika Huipūʻia, hiki i kahi mea kūpono ke hanaʻia inā kūʻaiʻia kahi hoʻoili i mālamaʻia no nā lā he 12 aʻoi aku ma kahi kālā. Hoʻonohonoho ka IRS iā ia ma keʻano he "manawa lōʻihi", ma lalo o ka uku o nā uku i emi loa - kekahi mau hihia, kokoke i ka hapalua o nā uku palena e hoʻohanaʻia paha. He paʻakikī ka hopena o ka pākuhi: ke hiki iāʻoe ke hoʻonui i ka kālāʻauhau ma ke kāohi mauʻana i nā waiwai i mahaloʻia a hiki i ka wā i hala ai kēia laina makupa ma mua o ka hiki iāʻoe ke hoʻolei koke iā ia, inā hoʻopauʻoe i ke kūʻai aku ma kahi kūʻai haʻahaʻa. ʻO ka pōkole o kekahi kūlana kūikawā, inā nui ka hapanui, aʻoi nui paha, hapa o nā waiwai i hanaʻia e kāu waihona waiwai kālaikaʻia heʻano pōkole, a he maikaʻi iki pahaʻoe , e hana pahaʻoe i kekahi mea wahaheʻe .
4. Hoʻolilo i nā 'auhau'ānai i hoʻokaʻawaleʻia no kēlā kānāwai e lilo i kālā hōʻemi-free aupuni
ʻO kahi pānaʻi uku palena kālā e hoʻohanaʻia e Warren Buffett , kahi waiwai nui o ka kuleana lōʻihi no ka poʻe e hoʻolimalima ana i nā waiwai palekana likeʻole me nā kumukūʻai ka palenaʻauhauʻauhau i kūkuluʻia e like me ka waiwai e mahalo i nā makahiki .
Hiki iāʻoe ke hoʻohana i kēia kūlana ma ka hoʻohana ponoʻana i nā kālā i noiʻia ma ka ukuʻole mai ke aupuni e hoʻoholo i kāu mauʻike ma luna a ma waho aʻe o ka mea e hiki ke hana ināʻoe heʻoihana kalepa.
5. E hoʻohuli i kēlā mau manaʻoʻauhau i hoʻokaʻawaleʻia i nā makanaʻauhau a me nā makanaʻole i kou mau hoʻoilina ma ka hoʻohanaʻana i ke kumu kūʻai kumu kūʻai loophole ma luna o kou make
ʻO kekahi o nā mea kupaianaha, kupaianaha, mahalo (ʻae,ʻo ia nā mea nani) nā pōmaikaʻi lōʻihi lōʻihi e hiki ke lohi i kahi mea iʻikeʻiaʻo keʻano o ka piʻiʻana i uka . No ka hōʻikeʻana i kona mana, e noʻonoʻoʻoe he 30 mau makahiki i hala aku nei, ua hoʻoiliʻoe i $ 100,000 i loko o ka hōʻailona, akā,ʻoi aku ka waiwai nui, like me Colgate-Palmolive. Ua hoʻoholoʻoeʻaʻole e hoʻoili i kāu mau māhele . I ka halaʻana o nā makahiki, ua hoʻounaʻiaʻoe i kahi $ 887,557 i nā'āpana kālā , āu i hoʻohana ai i ka ukuʻana i nā bila, hāʻawi i ke aloha, hele, kau i kaʻai ma ka papa, kūʻai i kaʻa hou, a me kekahi o nā mea.
Loaʻa iāʻoe iho e noho ana ma nā pāleka me ke kumukūʻai kūʻai o $ 3,930,052, e hōʻike ana i ka waiwai waiwaiʻole o $ 3,830,052.
Inā kūʻai akuʻoe i kāu ukana, e uku ana pahaʻoe ma kahi o $ 912,000 ma nā Federal tax, a me kaʻauhau kūikawā o ka Affordable Care Act. Hiki iāʻoe ke uku a me kaʻauhau'āina mai ka $ 0 a hiki i $ 380,000 e pili ana i kahi e noho nei. Ma lalo o kahi hiʻohiʻona kokoke loa loa, hiki iāʻoe ke nānā i ka hāʻawiʻana i $ 1,292,000 i ka waiwai i hāʻawiʻia i kāu mau keiki, nā moʻopuna, nā kaikamāhine, nā keiki kāne, a me nā hoʻoilina'ē aʻe, akā i kēia manawa ua hoʻopaʻiʻia no nā lima o ka poʻe kālai'āina. ʻO ka piʻiʻana i luna o ka puʻupuʻu ma kahi o kēia. Ma ka waiho waleʻana i kāu waiwai waiwai i nā mea kōkua iāʻoe, ināʻoe i lalo o ka palena o ka'āina, e hoʻohālike lākou e like me ka ukuʻana i ke kumukūʻai no ke kumukūʻai (aiʻole, inā makemake lākou no ka lā hope hou,ʻo ke kumukūʻai ma kēlā manawa). Ua loaʻa iā lākou ka $ 3,930,052 a pau me ka hapaʻole o kaʻauhauʻauhau e pili ana iā ia,ʻo ka $ 1,292,000 i ukuʻia i ke aupuni.
6. E pāʻani i nāʻAlaʻAna Laikini kūikawā o kekahi mau waiwai, nā waiwai palekana, a me nā kālā hoʻolimalima
Mai kēlā manawa kēia manawa, ua hāʻawi ka Hale Hōʻikeʻike i nā kūlana kūikawā ma luna o kekahi mauʻano kālā e hoʻolālā i ka mākeke. Loaʻa nā pāʻoihana nui i nā koina mālama EE i hikiʻole ke hana i ka maikaʻi i kēia manawa, mahalo i ko mākou honua e kokoke ana i ka hapa pāʻaniʻole pakeneka, akā hiki i kekahi lā ma kēia mua aku. ʻO kekahi mau waiwai waiwai, e like me ka hui hinu a me ke kinoea kūlohelohe, i mālamaʻia ma o ka pilina liʻiliʻi koʻikoʻi , aiʻole MLP paha, e hiki iāʻoe ke pale i ka hapa nui o nā'āpana kālā i ukuʻia i kēlā me kēia makahiki me nā uku hoʻolālā .
7. Hoʻohālikelike i ka Hōʻai'ē o ka Ui Kuhi Makahiki, Loaʻa i ka hoʻohanaʻana i ka Māhele Mau Loa o kaʻohana me nā uku ukuʻole e hāʻawi aku i nā waiwai iʻoi aku ma mua o ka mea e hiki ai.
I kēlā me kēia makahiki, uaʻae ke kānāwai i nā kānaka e hāʻawi i kekahi kālā me ka ukuʻoleʻana i nāʻauhau hāʻawi. I kēia manawa, i ka 2017, he $ 14,000 ka palena no kēlā me kēia kanaka. ʻO ia keʻano inā piliʻoe, hiki iāʻoe a me kāu wahine ke hāʻawi pū aku i kekahi $ 28,000'ē aʻe me ka loaʻaʻole o ka hopena pili iāʻoe a iʻole ka mea e loaʻa ana. No nā kānaka a male kāne paha ma luna o ka palena kālā o ka'āina, e hāʻawi ana i nā makana makahiki o nā lāʻau, nā kākā, nā waiwai waiwai, a me nā waiwai'ē aʻe i nāʻohana o kāuʻohana e lawe nui i nāʻauhau make i loaʻa iāʻoe.