Pehea ka Solo 401 (k) / Ke hoʻohanaʻia 401 (k) E Hoʻokuʻu iāʻoe $ 50,000 aʻoi aku paha ma ka Makahiki
Hōʻike mauʻia kaʻikepili i 50% o nā milihana Amerika he mau meaʻoihanaʻoihana a iʻole hana hana i kekahi manawa. Uaʻike mua mākou he 1 i 25ʻAmelika ka miliona miliona,ʻo ia hoʻi ka manaʻo nuiʻo ka 1 i 50 mauʻAmelika kahi miliona miliona i hoʻolilo i kā lākou kālā ma ke kālepaʻana i kā lākou hui pono'ī, e hoʻomaka pinepine me kaʻole o kaʻoihana hana a me kekahi mau mea mālama ( inā he laʻa lākou).
I ke ao kahi i nui ka hapanui o ka heluna ma lalo o $ 2 i ka lā, he hopena lanakila nui ia, no ka mea, ua pilikia ka alanui me ka pilikia a me ka pilikia (e noi wale aku i ka mea i hana i kaʻoihana i kuhi a hoʻokauʻia i loko ka banekorupa).
ʻO kēia ke kumu i hoʻohana ai mākou i ka manawa nui e kākau ai i nā alakaʻi ma nā lālā i kālepaʻole a me nā pilina i kaupalenaʻia ,ʻo ia hoʻiʻelua o nā ala maikaʻi loa e lilo ai i kaʻoihana a kouʻohana. Akāʻo kekahi koho'ē aʻeʻaʻole i kūkāʻia he 401 (k) i kapaʻiaʻo 40) (k) paha. ʻAʻole like ia me Roth 401 (k),ʻo ka meaʻoihanaʻoihana ka mea hana a me ka limahana. Ma muli o ia hopena, hiki iā ia ke kōkua i kahi $ 49,000 i ka papahana 401 (k) i kēia makahiki, holoi i kēlā mau mea a pau mai kā lākouʻauhau kālā!
ʻO ka mea hana lima 401 (k) a me Solo 401 (k)ʻaʻohe kūpono no nā mea a pau
ʻO ka hana, 401 (k) a me ka papa 401 (k) wale nō ke hana inā e holo anaʻoe i kahiʻoihana e like meʻoe a me kāu kāne paha no ka mea pono e mālama likeʻia nā limahana a pau.
Ināʻoe e hoʻolimalima i kekahi mea'ē aʻe, e koiʻiaʻoe e hāʻawi aku iā lākou i ka papahana hoʻolimalima like,ʻaʻole hiki ke hana i kahiʻoihana liʻiliʻi. Ma kēiaʻano, no kekahiʻano o nāʻoihanaʻoihana liʻiliʻi, ua hiki i kēia mau hana hoʻolimalima e lilo i mau mea maikaʻi loa e hoʻokaʻawale i ka nui o ke kālā no kou mau makahiki gula, a laila hiki iāʻoe ke hoʻokomo i nā kumukūʻai , nā palapala paʻa , a me nā waiwai paʻa , nā kāne.
Hiki iā lākou ke pale aku i kahi $ 98,000 he nui ma kēlā me kēia makahiki i nā mālama hoʻopakele, e mālama ana i ke kālā ma mua o ka hikiʻana o kaʻauhau kālā no nā makahiki he nui!
Eia ka hana. E'ōlelo ke kāne a me ka wahine i kā lākou mauʻoihana liʻiliʻi. I ka manawa i piha ai lākou i 35 mau makahiki, loaʻa iā lākou $ 500,000 i kēlā me kēia makahiki ma mua o kaʻauhau mai ka hui (e like ana me ka loaʻaʻana o kahi hōkele o ka hōkele o ka hōkele e like me ka Hampton Inn a iʻole kahi Holiday Inn Express ma kekahi kūlanakauhale, e'ōlelo i 50,000 i 100,000 mau kānaka). ʻO kēia ke hoʻokuʻu nei iā lākou i waho o ka pākū o Wall Street a me nā hākōkī kālā kūʻokoʻa i loko o ka papahana hoʻolaha .
He hiʻohiʻona o ka hoʻohanaʻiaʻana o kahi hanahana 401 (k) Plan a iʻole Solo 401 (k)
Inā ua hoʻonohonoho ka wahine i kahi hui kūikawā i kaupalenaʻia no ka lawelaweʻana i mea hoʻokele waiwai i kā lākouʻoihana liʻiliʻi, aʻo lāua wale nō nā mea hana o ka hale mālama, hiki iā lākou ke waiho $ 98,000 i ka makahiki i loko o ka papahana 401 (k) ma kaʻohana makua . Pēlā e emi ai kā lākou kālāʻauhauʻauhau i $ 402,000. ʻAʻoleʻo ia wale nō, inā e hoʻomau lākou i ka hana no 30 a 40 mau makahiki, e noho ana ke kālā a pau i loko o nā palena palekana o ka helu 401 (k), loaʻa nā'āpana'āpana , uku , nā waiwai waiwai a me nā waiwai me kaʻole e uku i hoʻokahi peni nāʻauhau a hiki i ka hoʻokaʻawaleʻiaʻana o ke kālā.
ʻO keʻano o ka nui o ke kālā e hana a hoʻohuihuiʻia nei no lākou ma kahi lōʻihi loa.
ʻO kaʻoiaʻiʻo, inā loaʻa iā lākou 8% ma kā lākou kālā a hoʻomau i ke kālā no nā makahiki he 35 a hiki i ka 70 o ko lākou kālā, eʻoi aku ka nui o kā lākou hui kālā 401 (k) iʻoi aku ma mua o $ 16,887,046 e kali ana no ka ukuʻana i kā lākou hoʻomaha. Ke hoʻokuʻu lākou i ke kālā, e uku lākou i kaʻauhau kālā e like me ka mea maʻamau.
ʻAʻole makemake kēia i ka waiwai aʻaʻohe mea i waho o ko lākouʻohana eʻike paha i nā inoa o kēia mau meaʻoihana kūleʻa. Noho lākou i kahi kūlanakauhale maʻamau aʻikeʻoleʻia. ʻOiaʻiʻo,ʻike mākou i nā poʻeʻoihanaʻoihana miliona milionaʻaʻole e hana ma kahi kokoke i $ 500,000 i kēlā me kēia makahiki. ʻO ka pilikia, hana lākou ma waena o $ 50,000 a $ 100,000. Hoʻomau lākou i kā lākou mea pono a kūkulu i ka waiwai o kā lākouʻoihana. Ma ka manawa lōʻihi, hoʻomakaʻia ka nui i kekahi mea.
ʻO ia keʻano o ke kālā e hana ai.
Ponoʻoe e kūkā e pili ana i kāu mau hoʻolālā no kahi papa 401 (k) a iʻole hana hana hana 401 (k) me kekahi pūʻali kūpono a mahaloʻia e hōʻoiaʻaʻoleʻoe e hōʻeha i nā leka a ua kūpono iāʻoe.