ʻO ka hoʻokuʻu iā IRA hiki ke hoʻonui i ka nui o nāʻauhau ma mua o kou manaʻo. Eia ke kumu.
Hiki i nā kālā ke paʻakikī i ka hoʻomaha. Inā laweʻoe i kahi unuhi hou mai kāu IRA i hoʻokahi makahiki, hiki ke piʻi aku ka nui o kaʻauhau no ka makahiki. He paʻakikī keʻimi i nā pane i keʻano e hana ai.
ʻO ka pilikia keʻano paʻakikī
ʻO ka laweʻiaʻana mai kahi IRA aiʻole 401 (k) e auhauʻia i nā uku o kēia manawa a me nā uku palekana mālama ola ma 50 a 85% paha ma muli o ka nui o nā uku kālā.
ʻO kekahi wahine i haʻaleleʻia e kūʻai i ko lākou hale i kēia manawa, hoʻokuʻu, a kūʻai mai i kahi hou.
Aia lākouʻelua ma 62 a me nā lāʻelua i loaʻa iā SS me nā pōmaikaʻi piha o kahi $ 30,000. No ka haʻaleleʻana a kūʻai i hale hou pono lākou e hoʻihoʻi i kahi $ 60,000 mai ko lākou IRA a me 401 (k) s. Ua nānā lākou i nā palapala IRS a me ka pūnaewele SSA a ua hopohopo lākou no ka mea e'ōlelo ana lākou (IRS) i kaʻauhauʻana i nā kōkua SS e mālama lākou iā ia me he emiʻana o nā pōmaikaʻi lōʻihi.
E uku anei kēia kāne i kaʻauhau ma ka loaʻa kālā piha no ka makahiki e haʻalele ai mākou? E hiki anei i ka SS ke noho i nā kumukūʻai o kēia manawa no nā makahiki e hiki mai ana aiʻole e emi ana paha no ka loaʻaʻana o ka uku kālā no hoʻokahi makahiki?
ʻO ka mea mua,ʻo ia,ʻo ka hōʻai'ēʻo IRA e auhauʻia ma kāu mauʻauhau kālā loaʻa. Eia naʻe,ʻaʻole i like ka auhau o ka mālama olaʻana ma keʻano he 50% a 85% paha o ka auhau. ʻO kāu mau "kumu'ē aʻe" o ke kālā loaʻa (i kapaʻia he kālā likeʻole a loaʻaʻole ka loaʻa kālā) komo i loko o kekahiʻano a me ka hopena ma kahi o ka 0 - 85% o kāu mau palekana Social Security hiki ke kauʻia.
No laila, hiki i ka 12% o kāu mau kōkua i kaʻauhau kālā, aiʻole 77%, no ka mea. Hoʻomanaʻo houʻia kēia i kēlā me kēia makahiki e like me kāu mau kumu waiwai kālā.
Eia naʻe, ʻaʻole kēia haʻawina i emi ma nā pōʻaleʻa lōʻihi. Manaʻo wau e hiki paha iā lākou (a iʻole paha paha kaʻike ma ka pūnaewele SSA) i kekahi mea i kapaʻia he loaʻa kālā me kahiʻauhau.
ʻO ka palena kālā loaʻa inā'ōleloʻoe e mālama ana i ka mālama mālama ola ma mua o kou hikiʻana i ka piha piha o ka hoʻopaʻiʻana, a ua loaʻa iāʻoe ka waiwai nui loa, a laila, hiki iāʻoe ke kūʻai i kekahi o kāu palekana Social Security. ʻAʻole pono e hoʻokomo i kēia kaʻina kālā ma kēia kūlana ma kahi hoʻolālā IRA a 401 (k) pahaʻaʻole e manaʻoʻia he kālā loaʻa kālā.
No laila, e like me ka mea i ho'ākākaʻia ma luna nei, e uku lākou i kaʻauhauʻauhau ma ka unuhi houʻana, hiki ke hoʻonuiʻia ka nui o kāu palekana Social Security i kaʻauhau (ʻo ia hoʻi, ka nui o kaʻauhau kālā) akā e pili wale nō ia i ka makahiki makahiki. hoʻokuʻu i ka lawe 'ana (a pēlā i loaʻa ai ka uku' auhau i loaʻa). ʻAʻole e hoʻemiʻia kā lākou mau palekana mālama ola.
I kēia manawa, aia kahi ala maikaʻi aʻe? Hiki paha, akā, e komo ana ka nui o ka hoʻonui. Eia kekahi laʻana, hiki anei iā lākou ke hoʻohana i kahi laina kūpono no ka hōʻai'ē e hiki mai me ka ukuʻana no kaʻaeʻana i ka hoʻolālā hou aku o ka IRA / 401 (k)? Hiki iā lākou ke hoʻolala i ko lākou IRA / 401 (k) ka hoʻokuʻuʻana ma luna oʻelua mau makahiki kahiki? Lawe lākou i ka IRA / 401 (k) i nā hōʻaihoʻiʻana e hālāwai me ko lākou nele? Loaʻa iā lākou he moraki? E loaʻa iā lākou kahi moraki ma ko lākou home hou? Keʻike i kēia mau mea a pau i kahi hana e pili ana i ka hoʻopiʻi kālā - akā, i kekahi manawa he mea nui ka mālama kālā ma ka loaʻaʻana o kahi ala e hoʻoholo ai i kā lākou mau hoʻoholoʻana e ho'ēmi i kā lākou uku kālā e manaʻoʻia ana ma ka wā o ka hoʻomahaʻana.