Pono ʻoe e ola i kou ola a uku i kāu hoʻolimalima. Akā i kēia manawa, ua hoʻonohonoho mua ʻoe (manaʻolana!) Akā, pehea ka nui o kāu uku e mālama ai? Ua nānā mākou me Ashley Feinstein Gerstley, ka mea nāna i hoʻokumu i ka Wahine Auhau a me ka mea kakau o ʻO ka hoʻomaʻemaʻe kālā he 30 lā , e kii aku iaia. He ʻokoʻa kāna pane. Ma hope o nā mea a pau, ʻoiai ka nui o nā poʻe loea e hoʻopuka i ka lula 50-30-20 (kahi āu e hoʻokaʻawale ai i ka 20 pakeneka o kāu uku uku, ʻaʻohe mea nui āu e loaʻa ai), ʻaʻole maoli ia no nā ʻAmelika he nui.
No laila, ma hea ʻoe e hoʻomaka ai? Ua noi mākou iā Gerstley e kōkua i nā wahine maoli ʻehā me kā lākou mau ʻāpana kālā loaʻa i ka mālama kālā. (Psst: hoʻohana i kēia helu helu mālama pūnaewele e hana i kāu makemakika ponoʻī.)
1. He ,000 ka mea hoolimalima o ke kulanakauhale o New York: Waiho i 10 Pakeneta
Uku lawe home: Ma kahi o ,000 ma hope o 401 (k), ʻauhau a me nā pōmaikaʻi
'Ōleloʻo Gerstley: No ka mea, e hoolimalima ana ka hapa nui o kou uku a me na pono—ma kahi o ,000—e waiho ana he 0 o ka malama no na bila e ae, a me 0 no ka pule no ka hoohana ana i ka ai, ka lealea, a me na mea pili e like me ka lole, na makana a me na hoomaha. (He ,000 kēia i ka makahiki.) He aha ke koe? ,500 i kēlā me kēia makahiki e hiki ai iā ʻoe ke hoʻokuʻu i kahi waihona kālā o ka lā ua, e loaʻa ana i ka 3 no ka uku, me ka manaʻo e uku ʻia ʻoe i kēlā me kēia pule ʻelua.
Ka huina hoahu: ,250. (He 5 pakeneka 401 (k) hāʻawi kēia.)
2. ʻO kahi male ʻo North Carolinian (me ka ʻaiʻē kāleka hōʻaiʻē) e hana ana i 0,000: uku mua i ka aie.
Uku lawe home: ,000 ma hope o kāu 401 (k), ʻauhau a me nā pōmaikaʻi
ʻoki lauoho no ka maka oval lauoho pololei
'Ōleloʻo Gerstley: E noʻonoʻo kāu ʻaiʻē kāleka ma kahi o ,000 a loaʻa iā ʻoe nā hōʻaiʻē haumāna, e koi ana iā ʻoe e hoʻopuka i 0 i ka mahina (,000 i kēlā me kēia makahiki). 'O ia ho'i, pono 'oe e ho'ōki i ka hā'awi 'ana i kahi waihona mālama kālā i mea e maka'ala ai i ka hō'emi 'ana i kāu mau aie. (Pono ʻoe, e hoʻomau i ka hāʻawi ʻana i kāu 401 (k) e like me ka mea i koi ʻia e hālāwai me kāu hui hui.) Ua male ʻoe, ʻo ia hoʻi, hiki iā ʻoe ke hoʻokaʻawale i ke kumukūʻai o nā hale a me nā pono hana - e ʻōlelo mākou he ,000/ makahiki a ke hoʻolilo nei ʻoe i ,000 hou no nā lilo paʻa. E mālama kākou i ,000 hou no nā hoʻomaha a me nā makana. Inā ʻaʻole ʻoe ʻaiʻē, e lilo ke koena ,000 o ka loaʻa i ka hoʻopaʻa ʻana.
Ka huina hoahu: ,000. (ʻO ka nui o kāu haʻawina 401 (k).) Akā ke hoʻopau ʻoe i kāu aie, hiki iā ʻoe ke hoʻomaka e mālama i ,000 hou i kēlā me kēia makahiki.
3. He 0,000 ke kanaka Chicago hookahi: Hookaawale i 25 Pakeneka
Uku lawe home: ,000 ma hope o kāu 401 (k), ʻauhau a me nā pōmaikaʻi
'Ōleloʻo Gerstley: Hāʻawi ka uku uku nui iā ʻoe i kahi kūlana ikaika e hoʻonui i kēlā haʻawina 401 (k) a hoʻonui i ka nui āu e hāʻawi ai i kahi waihona mālama kālā. No laila, inā ʻoe e hoʻolilo nei i ,000 i kēlā me kēia makahiki (ma kahi o ,000 i ka mahina) ma kāu moraki a me nā pono hana, e waiho ana i ,000 (a i ʻole ,000 no ka uku uku) no nā lilo paʻa. E ʻae mākou i ,000 hou i ka makahiki e lilo i ka huakaʻi a me nā splurges ʻē aʻe. E hoʻi i kāu 401 (k): I kēia manawa ua hoʻonui ʻoe i kāu mau haʻawina i 13 pakeneka, ke hoʻokaʻawale nei ʻoe i ,500 ma laila. Akā, ua lawe pū ʻoe i kahi IRA ma mua o ka lā palena ʻauhau e uku ai i nā haʻahaʻa haʻahaʻa i ka makahiki i hala. (Hoʻokomo ʻoe i ,000 ma laila.) E waiho ana iā ʻoe me ,000 (6 no ka uku uku) no kahi waihona kālā lā.
Ka huina hoahu: ,000 (E pili ana kēia i kahi haʻawina 13% 401 (k) me $ 6,000 i kahi IRA.)
4. ʻO kahi Floridian male me nā keiki e hana ana i 0,000: hoʻokaʻawale i 25 pakeneka
Uku lawe home: 8,000 ma hope o kāu 401 (k), ʻauhau a me nā pōmaikaʻi
pono o ka mango i ka hapai ana
'Ōleloʻo Gerstley: ʻOiai e uku paha ʻoe i ka nui o kāu moraki o kēlā me kēia mahina (,000 i kēlā me kēia makahiki), ʻelua kāu mau keiki, e uku iā ʻoe i ,000 i ka makahiki no ka mālama keiki, kahi hoʻomoana a me nā hana. Hoʻokomo ʻoe i ,000 hou i ka makahiki i loko o kahi waihona kālā 529, a ʻo nā lilo paʻa o kou ʻohana e hoʻonui i ,000 i ka makahiki. Loaʻa iā ʻoe he 0,000 i nā hōʻaiʻē kula haʻahaʻa a me ke kula puka, e koi ana i ka uku o ka mahina o ,500 (,000 i ka makahiki me ka uku paneʻe o 6 pakeneka). Eia hou, kōkua ʻoe i kou makuahine me kāna mau uku ola i kōkua ʻia—he ,000 hou i kēlā me kēia makahiki. ʻO kāu hāʻawi 401 (k) aia ma ka max ($ 19,500) a he manaʻo kou e hoʻomaka i kāu ʻoihana ponoʻī i kekahi lā, no laila e hoʻokaʻawale ʻoe i ,000 i kēia makahiki (ma kahi o ,600 no ka uku uku). Pono ʻoe e hoʻokaʻawale no ka hoʻoponopono ʻana i ka home me kahi ʻāpana ea hou. (He ,000 ka huina)
Ka huina hoahu: ,000 (E pili ana kēia i ka haʻawina kiʻekiʻe 401 (k), me ka pahuhopu mālama kālā ʻoihana a me ka haʻawina 529.)
PILI: ʻO wau he Luna Hoʻoponopono kālā a ʻo kēia nā ʻōlelo aʻoaʻo mālama kālā nui aʻu i aʻo ai ma ka hana
