Ngaba ama-702 j lukhetho olufanelekileyo kwisicwangciso sakho somhlala-phantsi?

Isibini sokuhlangana kunye nomcwangcisi wezemali

I-702 (j) ayisosicwangciso somhlala-phantsi, nangona uninzi lweearhente zemali zizama ukuyithengisa injalo. Endaweni yoko, yipolisi yeinshurensi yobomi iphela enexabiso lemali. Oku akufuneki kuthathwe njengenye indlela eya kuma-401 (k) okanye kwi-IRA ngeenjongo zokuphila kamnandi ngaphakathiumhlalaphantsi.



702 (j) Kucacisiwe

Le akhawunti yiipolisi yeinshurensi yobomi- hayi iakhawunti yotyalo mali. Bonke obu bomi (bukwabizwa ngokusisigxina) kwimigaqo-nkqubo yeinshurensi ebonisa iintlawulo zenyanga ezihlawula ipolisi yeinshurensi yobomi; nasiphi na isabelo esihlawulwe ngaphezulu kwesixa esifunekayo senyanga sepolisi siba lixabiso lemali yepolisi. Iintlawulo zizonke azenzi ixabiso elipheleleyo lemali yomgaqo-nkqubo kuba iifizi kunye neekhomishini zihlala zithathwa kwiintlawulo. Ixabiso lemali lomgaqo-nkqubo linokubairhoxisiweokanye obolekwe ngokuchasene, kodwa oko kunciphisa imali ekhoyoabaxhamliekufeni kwakho.



Amanqaku afanelekileyo
  • Imithetho yeRhafu ye-Inshurensi yoBomi
  • Imali kwiPolisi ye-Inshurensi yoBomi

Kuthengiswa njengoMgaqo-nkqubo woTyalo-mali

Abanye abameli beinshurensi bazama ukubonisa imigaqo-nkqubo engama-702 (j) njengeakhawunti yotyalo-mali kubathengi abafuna ukugcina umhlala-phantsi. Ezi ziakhawunti zekhomishini ephezulu ngokubanzi zabathengisi kwaye bazama ukusebenzisa igama '702 (j)' ngokungathi kukudibana okufutshaneI-401 (k). Ngapha koko, i-702 (j) ifumana igama layo kwi Ikhowudi yangaphakathi yeNgeniso yaseMelika i-7702 , echaza imigaqo-nkqubo yeinshurensi yobomi kunye nemithetho yerhafu kubo.



Ukuqwalaselwa kwe-inshurensi

Iingcali zezezimali ziyathanda UDave Ramsey ukucebisa malunga nokuthenga i-inshurensi yobomi ngexabiso lemali ikakhulu kuba le migaqo-nkqubo ibiza kakhulu kune-inshurensi yobomi yexesha. Ngenyanga, umgaqo-nkqubo wekota wobomi uya kubiza imali encinci kakhulu kunepolisi yobomi iphela. Ukuba ujonge ngokungqongqo kwi-inshurensi kwaye awuchaphazeleki ngumgaqo-nkqubo onexabiso lemali ngaphambi kokuba usweleke, i-702 (j) ayenzi ngqondo ngathi ngumgaqo-nkqubo weinshurensi.

Xa lukhetho oluSebenzayo

I-702 (j) inokuba nengqondo kwiqela elikhethiweyo labantu: abo babakhuphele ngaphandle401 (k) kunye ne-IRAkwaye ndikhangela indawo yokubeka imali apho iya kuthi yenzeke khula ngaphandle kwirhafu . I-702 (j) akufuneki isetyenziswe njengendawo yokutshintsha iiakhawunti zomhlala phantsi kodwa endaweni yoko kufuneka ithathelwe ingqalelo njenge-inshurensi yobomi enokubolekwa xa kukho imfuneko. Qaphela ukuba ukusilela ekubuyiseni imali mboleko ekhuselwe ngumgaqo-nkqubo wama-702 (j) kunokubangela isohlwayo esongezelelweyo okanye ukuphulukana nexabiso lemali yomgaqo-nkqubo. I-702 (j) inokuba nengqondo kwi umrhafi osisityebi ngubani ofuna indawo ethile yokugcina imali engazukuchaphazela ukufaneleka kwemicimbi ethile ye-Medicare kwaye angabali njengengeniso xa ejonga ukuba yeyiphi na inxalenyeIzibonelelo zoKhuseleko lweNtlalozirhafiswa.



702 (j) Scam vs Policy

I-702 (j) ayisiyiyo, embindini wayo, eyilelwe ukuba ibe sisikrelemnqa, kodwa abanye abantu bayithatha njengobuqhetseba ngenxa yokuba ithengiswa njani. Xa abathengisi bezama ukubonisa i-702 (j) njengayo nayiphi na into ngaphandle komgaqo-nkqubo weinshurensi yobomi, ayithembeki ngokuqinisekileyo. Ngelixa kukho imigaqo-nkqubo engama-702 (j) ekhoyo ethiwe thaca ngokucacileyo kwaye ingabonakalisi mali eninzi, ikwakhona nemigaqo-nkqubo engama-702 (j) ethiwe thaca njengethuba lotyalo-mali kwaye inenani elothusayo lemirhumo (isibonelelo kuphela yomthengisi). Ukuba uthatha isigqibo, emva kokuxoxa ngokhetho lwakho nomcebisi wakho wezezimali, ukuba i-702 (j) lukhetho olufanelekileyo kuwe, uqonde ngokupheleleyo ukuba yintoni i-702 (j) kwaye ayisiyiyo ngaphambi kokuba usayine kumgca ochaziweyo.