Inqubo ihamba kancane, iyacasula, iyabulala. Kuqala ngokucindezeleka ngokwezimali ngezindlela ezihlukahlukene, bese, ngokusho kobufakazi obukhulayo, kuholela ezinkingeni zempilo nokuphila okufushane.
Ukucindezeleka ngokwezimali kulethwa phezu kwethu isisusa senzuzo sobunxiwankulu, obunikeza ugqozi oluncane lokondla izingane ezilambile, ukwelapha abagulayo, ukusivikela ekuthatheni umhlalaphansi, ukunikeza amathuba emisebenzi kubantu baseMelika abasezingeni eliphakathi. Ezinye zezinyathelo zenqubo ziya ngokuya zijwayeleka kithi.
1. Ukunikeza Ingxenye Ye-401(k) Yakho Emabhange
I-Frontline documentary I-Retirement Gamble ibike ukuthi isikhwama esingu-401(k) esithola u-7% ngonyaka ngezinkokhelo ezingu-2% sizolahlekelwa kufika ku-60% yenani lesikhwama esilinganayo esingakhokhisi.
Inkokhelo engu-2% ayibonakali iyinkulu, kodwa isimangalo sedokhumentari besiseduze neqiniso. Ngokusekelwe ku-6%zomlando ukubuya kwemakethe yamasheya, umsebenzi otshala imali $ 1,000 ngonyaka iminyaka engu-30 esikhwameni esingakhokhisi bese ubamba isamba esiqoqiwe eminye iminyaka engu-20 izogcina ifinyelela ku-$269,000. Ukubeka inkokhelo yonyaka engu-2% kuzonciphisa inani lokugcina libe ngu-$127,000, ukulahlekelwa okungama-53%. Ukubeka imali engu-1.3%, okuthi ngokusho kwedokhumenti iyisilinganiso semboni, kunganciphisa inani lokugcina libe ngu-$165,000, ukulahlekelwa okungama-39%.
Imboni yezezimali ithatha le mali kwabaningi bethu minyaka yonke. Inani labasebenzi bomkhakha ozimele kuye ngo-401(k) esikhundleni sempesheni yenkampani yanda kusukela kumaphesenti angu-12 kuya kumaphesenti angu-68 kusukela ngo-1983.
2. Ukubuka Izingane Ezingu-24,000,000 Zilambile Ukuze Ugweme Ukuphazamisa Abantu Abacebile abangu-20
Ukuhwebelana okungacabangeki, kodwa kuyenzeka. Nakuba isabelomali sika-2013 SNAP (isitembu sokudla) sika $ 78 billion ingaphansi kwenzuzo yokutshalwa kwezimali ka-2012 20 abantu baseMelika abacebile, i-SNAP iyenzeka Imi kuyilapho kungekho nesenti elengeziwe elithathwa kosozigidigidi.
Izingane, ezakha cishe isigamu we 48 abayizigidi ezingu abamukeli, manje sebezothola $1.40 ukuze uthole ukudla esikhundleni sika-$1.50.
3. Ukulalela "Abadali Bemisebenzi" Bagcona Iqiniso
Usozigidi wekhasino Steve Wynn: "Abafana abanjengami bangabadali bemisebenzi futhi asithandi ukupendwelwa amehlo enkunzi emhlane."
I-CEO yeBhange U-John A. Allison IV: "Esikhundleni sokuhlaselwa kwephesenti elingu-1, masikubize ukuhlasela kwabakhiqiza kakhulu."
Iqiniso liwukuthi inzuzo yenkampani ine Kabili eminyakeni eyishumi, futhi amaphesenti entela yebhizinisi anqanyulwe phakathi, kuyilapho izigidi zemisebenzi ziye zancishiswa Ilahlekile. Enye idatha yokunqamula umsebenzi ivela The Nation, Ukubuka kweMakethe, Futhi I-Business Insider.
"Abadali bemisebenzi" uSteve Wynn noJohn A. Allison IV benze kanjani? Izinombolo ezilandelayo zithathwe emibikweni yazo yonyaka ye-10-K, ithunyelwe ku-SEC:
Kusukela Izindawo ze-Wynn: Inzuzo ephindwe kabili noma ngaphezulu, ukuncishiswa kwezisebenzi
โ- 2012 Iholo $728,699,000 / Abasebenzi 16,000
โ- 2011 Iholo $825,113,000 / Abasebenzi 16,400
โ- 2010 Iholo $316,596,000 / Abasebenzi 16,405
โ- 2009 Imali engenayo engu-$ 39,107,000 / Abasebenzi 18,900
Kusuka ebhange lika-Allison, I-BB & T.: Inzuzo ephindwe kabili noma ngaphezulu, umehluko omncane kubasebenzi
โ- 2012 Iholo $2,028,000,000 / Abasebenzi 34,000
โ- 2011 Iholo $1,332,000,000 / Abasebenzi 31,800
โ- 2010 Imali engenayo engu-$ 854,000,000 / Abasebenzi 31,400
โ- 2009 Imali engenayo engu-$ 877,000,000 / Abasebenzi 32,400
4. Ukuzwa Ingcindezi Eqeda amandla
Ezingaphezu kuka-200 zakamuva izifundo baye baqinisekisa ukuxhumana phakathi kokucindezeleka kwezezimali nokugula. Eminyakeni engama-20 nje kuphela iMelika ibalwa namazwe athuthukile ihlile cishe kuzo zonke izinyathelo ezinkulu zezempilo.
Ukuntuleka kokunakekelwa kwezempilo okufanele kungenye yezinto ezibangela lokho kucindezeleka. A Ucwaningo lweHarvard balinganiselwa ku-45,000 abantu baseMelika abalahlekelwa izimpilo zabo ngo-2005 ngenxa yokuntuleka komshwalense wezempilo.
Ngaphezu kwemiphumela yako empilweni yethu engokomzimba, ukucindezeleka ngokwezimali kusongela inhlalakahle yethu engokwengqondo. Ngokumangalisayo, oyedwa kwabahlanu abadala baseMelika wayenakho ukugula kwengqondo ngo-2011, njengoba kubikwe Ukuphathwa Kwezidakamizwa Nokuphathwa Kwezinsizakalo Zezempilo Yengqondo. Enye yakamuva cwaningo ithole ukuthi ukungasebenzi, kungakhathaliseki ukuthi okokuzithandela noma ngokuzithandela, kungaba nomthelela omkhulu empilweni yengqondo yomuntu. Kepha oyedwa kuphela kwabaseMelika ababili abadinga ukunakekelwa kwezempilo yengqondo ongakwazi ukukhokhela ukwelashwa.
I-Grimmer isakhula izinga lokuzibulala, futhi ixhunywe ku ukungasebenzi futhi ingcebo eyancipha. Izinga linayoisheshisiwe kusukela ekuwohlokeni komnotho ngo-2008.
Amaqiniso akhombisa ukuthi sasingabantu abaphile saka kwaze kwaba yilapho ubunxiwankulu bemakethe yamahhala obungalawulwa buqala ukuphazamisa izimpilo zethu. Manje, ngenxa yenhloso yayo yokuwina-yonke inzuzo, silwela izimpilo zethu.
U-Paul Buchheit unguthisha wasekolishi, umlobi wezincwadi eziqhubekayo, futhi umsunguli nomthuthukisi wobulungisa bezenhlalo kanye namawebhusayithi ezemfundo (UsAgainstGreed.org, PayUpNow.org, RappingHistory.org).
I-ZNetwork ixhaswa kuphela ngokuphana kwabafundi bayo.
Nikela