{"id":3374,"date":"2025-03-19T17:14:23","date_gmt":"2025-03-19T17:14:23","guid":{"rendered":"https:\/\/kedamegebeya.info\/?p=3374"},"modified":"2025-03-19T17:14:23","modified_gmt":"2025-03-19T17:14:23","slug":"%e1%8b%a8%e1%8d%8b%e1%8b%ad%e1%8a%93%e1%8a%95%e1%88%b5-%e1%8c%a4%e1%8a%95%e1%8a%90%e1%89%b5%e1%8b%8e-%e1%8b%a8%e1%89%b0%e1%88%a8%e1%8c%8b%e1%8c%88%e1%8c%a0-%e1%8a%90%e1%8b%8d","status":"publish","type":"post","link":"https:\/\/kedamegebeya.info\/?p=3374","title":{"rendered":"\u12e8\u134b\u12ed\u1293\u1295\u1235 \u1324\u1295\u1290\u1275\u12ce \u12e8\u1270\u1228\u130b\u1308\u1320 \u1290\u12cd ?"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"613\" height=\"300\" src=\"https:\/\/kedamegebeya.info\/wp-content\/uploads\/2025\/03\/image-5.png\" alt=\"\" class=\"wp-image-3375\" srcset=\"https:\/\/kedamegebeya.info\/wp-content\/uploads\/2025\/03\/image-5.png 613w, https:\/\/kedamegebeya.info\/wp-content\/uploads\/2025\/03\/image-5-300x147.png 300w, https:\/\/kedamegebeya.info\/wp-content\/uploads\/2025\/03\/image-5-18x9.png 18w\" sizes=\"(max-width: 613px) 100vw, 613px\" \/><\/figure>\n\n\n\n<p>\u1260\u134b\u12ed\u1293\u1295\u1235 \u1228\u1308\u12f5 \u1324\u1295\u1290\u1275 \u12ed\u1230\u121b\u12ce\u1273\u120d? \u121d\u1293\u120d\u1263\u1275 \u1260\u1325\u12eb\u1244\u12cd \u130d\u122d \u1233\u12ed\u120d\u12c8\u1275 \u12a0\u12ed\u1240\u122d\u121d\u1362 \u12a0\u12ed\u1348\u1228\u12f5\u1265\u12ce\u1275\u121d\u1362 \u133d\u1295\u1230 \u1203\u1233\u1261 \u12e8\u1245\u122d\u1265 \u130a\u12dc \u1260\u1218\u1206\u1291 \u1265\u12d9 \u1230\u12cd \u120b\u12eb\u12cd\u1240\u12cd \u12ed\u127d\u120b\u120d\u1362 \u1208\u12da\u1205\u121d \u1232\u1263\u120d \u1208\u12db\u122c \u1260\u1323\u121d \u1218\u1230\u1228\u1273\u12ca \u12e8\u1206\u1290 \u1218\u1228\u1303 \u120b\u1240\u122d\u1265\u120b\u127d\u1201 \u12c8\u12f0\u12f5\u12a9\u1362<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><img decoding=\"async\" width=\"144\" height=\"124\" src=\"blob:https:\/\/kedamegebeya.info\/ff9a7780-1108-4553-862b-29561b9f5260\"><\/td><td>\u12a0\u1295\u12f5 \u1235\u12cd \u1203\u12aa\u121d \u130b\u122d \u1202\u12f6 \u1324\u1295\u1290\u1271\u1295 \u12a0\u1295\u12f0\u121a\u1218\u1228\u1218\u122d \u1201\u1209 \u12e8\u134b\u12ed\u1293\u1295\u1235 \u1324\u1295\u1290\u1275\u121d \u1260\u130d\u120b\u127d\u1295\u121d \u1206\u1290 \u12a8\u134b\u12ed\u1293\u1295\u1235 \u1263\u120b\u1219\u12eb \u130b\u122d \u1206\u1290\u1295 \u120d\u1295\u1348\u1275\u1238\u12cd \u12e8\u121a\u1308\u1263\u1295 \u1309\u12f3\u12ed \u1290\u12cd\u1362 \u1208\u1218\u1206\u1291 \u12e8\u134b\u12ed\u1293\u1295\u1235 \u1205\u12ed\u12ce\u1273\u127d\u1295 \u1324\u1290\u129b \u1218\u1206\u1291\u1295 \u12a5\u1295\u12f4\u1275 \u121b\u12c8\u1245 \u12a5\u1295\u127d\u120b\u120d\u1295? \u12e8\u121a\u1240\u1325\u1209\u1275\u1295 6 \u1218\u1235\u1348\u122d\u1276\u127d \u1260\u1218\u1320\u1240\u121d \u12e8\u122b\u1235\u12ce\u1295\u1293 \u12e8\u1264\u1270\u1230\u1265\u12ce\u1295 \u12e8\u134b\u12ed\u1293\u1295\u1235 \u1324\u1295\u1290\u1275 \u12ed\u1218\u122d\u121d\u1229\u1362<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>1<\/strong><strong>. <\/strong><strong>\u1241\u1320\u1263\/<\/strong><strong>Saving<\/strong><strong>\u1364<\/strong> \u121d\u1295 \u12eb\u1205\u120d \u1308\u1295\u12d8\u1265 \u1260\u12e8\u12c8\u1229 \u12ed\u1246\u1325\u1263\u1209? 55% \u12e8\u121a\u1206\u1291 \u12a0\u121c\u122a\u12ab\u12cd\u12eb\u1295 \u12a8\u12a5\u12f3 \u1270\u122d\u134e \u12e8\u121a\u1246\u1320\u1265 \u1308\u1295\u12d8\u1265 \u12e8\u120b\u1278\u12cd\u121d\u1362 \u120c\u120b\u12cd \u1262\u1240\u122d \u12f0\u121e\u12db\u127d\u12cd \u12a8$100,000.00 \u1260\u120b\u12ed \u12a8\u1206\u1291 \u12a0\u121c\u122a\u12ab\u12cd\u12eb\u1295 \u12cd\u1235\u1325 44% \u12eb\u1205\u1209 \u1308\u1295\u12d8\u1265 \u1218\u1246\u1320\u1265 \u12a0\u120d\u127b\u120d\u1295\u121d \u12ed\u120b\u1209\u1362 \u1308\u1295\u12d8\u1265 \u1208\u1218\u1246\u1320\u1265 \u12cb\u1293\u12cd \u1218\u122d\u1205 \u201c\u12a8\u1201\u1209 \u12a0\u1235\u1245\u12f5\u1218\u12cd \u1208\u122b\u1235\u12ce \u12ed\u12ad\u1348\u1209!\u201d \u12e8\u121a\u1208\u12cd \u1290\u12cd\u1362 \u1260\u12da\u1205 \u1218\u122d\u1205 \u1218\u1230\u1228\u1275 \u12e8\u12f5\u1218\u12c8\u12dd\u12ce\u1295 \u12a810 &#8211; 20% \u1260\u12e8\u12c8\u1229 \u1208\u1218\u1246\u1320\u1265 \u12602016 \u12eb\u1245\u12f1\u1362 \u1208\u12da\u1205 \u12f0\u130d\u121e \u12c8\u1233\u1299 \u1309\u12f3\u12ed \u12c8\u132b\u127d\u1295 \u1218\u1246\u1323\u1320\u1229 \u1290\u12cd\u1362<\/p>\n\n\n\n<p><strong>2. <\/strong><strong>\u12d5\u12f3<\/strong><strong>\/ Debt<\/strong><strong>\u1364<\/strong> \u121d\u1295 \u12eb\u1205\u120d \u12e8\u12ad\u122c\u12f2\u1275 \u12ab\u122d\u12f5\u1293 \u12e8\u1350\u122d\u1230\u1293\u120d \u120e\u1295 \u12d5\u12f3 \u12a0\u1208\u1265\u12ce\u1275? \u12e82016 \u12d5\u1245\u12f5\u12ce \u12dc\u122e \u12d5\u12f3 \u1218\u1206\u1295 \u12a0\u1208\u1260\u1275\u1362 \u1260\u12da\u1205 \u12a0\u1308\u122d \u1275\u120d\u1241 \u12a5\u1235\u122d \u1264\u1275 \u12e8\u12ad\u122c\u12f2\u1275 \u12ab\u122d\u12f5 \u12d5\u12f3 \u1290\u12cd\u1362 \u1260\u1270\u127b\u1208 \u1218\u1320\u1295 \u12a8\u12ad\u122c\u12f2\u1275 \u1290\u133b \u1218\u1206\u1295 \u12ed\u1320\u1245\u121b\u120d\u1362<\/p>\n\n\n\n<p><strong>3. <\/strong><strong>\u1295\u1265\u1228\u1275<\/strong><strong>\/ Property<\/strong><strong>\u1364<\/strong> \u12a5\u1295\u12f0\u1218\u12aa\u1293\u1293 \u1264\u1275 \u12a0\u12ed\u1290\u1275 \u1295\u1265\u1228\u1275 \u12a8\u120c\u1208\u12ce\u1275 \u12a8\u12a0\u1201\u1291 \u12eb\u1245\u12f1\u1362 \u1295\u1265\u1228\u1275 \u12ab\u1208\u12ce\u1275 \u12f0\u130d\u121e\u1364 \u12a5\u122d\u1235\u12ce \u1262\u121e\u1271 \u12a5\u1295\u12b3\u1295 \u1218\u1295\u130d\u1235\u1275 \u12a5\u1295\u12f3\u12ed\u12c8\u122d\u1230\u12cd \u1291\u12db\u12dc\u1293 \u1275\u1228\u1235\u1275 \u12eb\u12d8\u130b\u1301\u1362<\/p>\n\n\n\n<p><strong>4. <\/strong><strong>\u12a2\u1295\u1268\u1235\u1275\u1218\u1295\u1275<\/strong><strong>\/ Investment<\/strong><strong>\u1364<\/strong> \u1308\u1295\u12d8\u1265\u12ce\u1295 \u1260\u1235\u1276\u12ad \u121b\u122d\u12ac\u1275\u1293 \u1260\u1270\u1208\u12eb\u12ee \u12e8\u12a2\u1295\u1268\u1235\u1275\u1218\u1295\u1275 \u12a0\u121b\u122b\u132e\u127d \u12eb\u1235\u1240\u121d\u1323\u1209 \u12c8\u12ed\u1235 \u1263\u1295\u12ad \u12cd\u1235\u1325 \u1208\u1325 \u1265\u120e \u1270\u129d\u1277\u120d? \u12d8\u1218\u1293\u12ca\u1293 \u1240\u1208\u120d \u12eb\u1209 \u12a5\u1295\u12f0 \u12a0\u12ad\u122e\u1295\u1235 \u12a5\u1293 \u122e\u1262\u1295\u1201\u12f5 \u12a0\u12ed\u1290\u1275 \u12a0\u1355\u120a\u12ac\u123d\u1295 \u1260\u1218\u1320\u1240\u121d \u1218\u1208\u121b\u1218\u12f5 \u12ed\u127d\u120b\u1209\u1362 \u12a8\u134d \u12eb\u1208 \u1308\u1295\u12d8\u12f5 \u12a2\u1295\u1268\u1235\u1275 \u1208\u121b\u12f5\u1228\u130d \u12ab\u1230\u1261 \u130d\u1295 \u1260Mutual Fund&nbsp; \u12c8\u12ed\u121d ETF (Exchange Traded Fund) \u1260\u12a9\u120d \u1218\u1320\u1240\u121d \u12ed\u1260\u1303\u120d\u1362&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>5.<\/strong><strong> \u12f0\u1205\u1295\u1290\u1275<\/strong><strong>\/ Security<\/strong><strong>\u1364<\/strong> \u1218\u12aa\u1293\u12ce \u12a2\u1295\u1239\u122b\u1235 \u12a0\u1208\u12cd? \u12c8\u12f0\u12cd \u1290\u12cd! \u1205\u12ed\u12c8\u1275\u12ce\u1235 \u12cb\u1235\u1275\u1293 \u12a0\u1208\u12cd? \u1218\u1295\u130d\u1235\u1275 \u1263\u12eb\u1235\u1308\u12f5\u12f5 \u12a5\u1295\u12b3\u1295 \u12a5\u122d\u1235\u12ce \u1262\u121e\u1271 \u1264\u1270\u1230\u1265 \u1218\u12a8\u122b\u12cd\u1295 \u12a5\u1295\u12f3\u12eb\u12ed \u12e8\u1205\u12ed\u12cd\u1275 \u1218\u12f5\u1205\u1295 \u12db\u122c\u12cd\u1291 \u12ed\u12eb\u12d9\u1362 \u12a8\u1235\u122b \u1262\u1348\u1293\u1245\u1209\u1364 \u12c8\u12ed\u121d \u130a\u12dc\u12eb\u12ca \u127d\u130d\u122d \u1263\u12eb\u130b\u1325\u1218\u12ce \u12e8\u1230\u12cd \u12a5\u1305 \u120b\u1208\u121b\u12eb\u1275 \u12c8\u12ed\u121d \u12d5\u12f3 \u12cd\u1235\u1325 \u120b\u1208\u1218\u12d8\u1348\u1245 \u1232\u1209 \u1208\u12ad\u1349 \u130a\u12dc \u1241\u1320\u1263 \u12eb\u12f5\u122d\u1309\u1362 \u1262\u12eb\u1295\u1235 \u12e86 \u12c8\u122d \u12f0\u1218\u12c8\u12dd\u12ce\u1275\u1295 \u1260\u12da\u1205 \u1348\u1295\u12f5 \u121b\u1235\u1240\u1218\u1325 \u12a0\u1208\u1265\u12ce\u1275\u1362<\/p>\n\n\n\n<p><strong>6.<\/strong><strong> \u1321\u1228\u1273<\/strong><strong>\/ Retirement<\/strong><strong>\u1364<\/strong> &nbsp;&nbsp;\u12d5\u12f5\u121c\u12ce 70 \u12a5\u1293 80\u1295 \u1262\u123b\u1308\u122d \u12e8\u1321\u1228\u1273 \u130a\u12dc\u12ce\u1295 \u12a5\u1295\u12f4\u1275 \u120a\u12eb\u1233\u120d\u1349 \u12a0\u1235\u1260\u12cb\u120d? \u1260\u1236\u123b\u120d \u1234\u12aa\u12cd\u122a\u1272 \u1270\u121b\u121d\u1290\u12cd \u12a8\u1206\u1290 \u12ed\u1245\u122d\u1260\u12ce\u1275\u1364 \u12a8\u12db\u122c \u1290\u1308 \u12a8\u1235\u122e \u1235\u122b \u12eb\u1246\u121b\u120d \u1230\u1208\u121a\u1263\u120d \u12a5\u1295\u12b3\u1295 \u1208\u122d\u1235\u12ce \u1208\u122b\u1231\u121d \u1232\u12aa\u12cd\u122a\u1272 \u12e8\u1208\u12cd\u121d\u1362 401(K)\u1364 403(B)\u1364 Annuity\u1364 IRA \u12e8\u1218\u1233\u1230\u1209 \u12a0\u121b\u122b\u132d \u12a0\u1208\u120d\u12ce\u1275\u1362 \u1235\u1208\u12da\u1205 \u12602016 \u12e8\u134b\u12ed\u1293\u1295\u1235 \u1324\u1295\u1290\u1275\u12ce\u1275\u1295 \u1208\u121b\u1228\u130b\u1308\u1325 \u1260\u12a5\u1290\u12da\u1205 \u1309\u12f3\u12ee\u127d \u120b\u12ed \u1233\u12ed\u12cd\u120d \u1233\u12eb\u12f5\u122d \u1218\u12c8\u1230\u1295 \u12eb\u1235\u1348\u120d\u130b\u120d\u1362 \u1260\u1290\u12da\u1205 \u1218\u1235\u1348\u122d\u1276\u127d \u12e8\u134b\u12ed\u1293\u1295\u1235 \u1324\u1295\u1290\u1275\u12ce\u1295<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u1260\u134b\u12ed\u1293\u1295\u1235 \u1228\u1308\u12f5 \u1324\u1295\u1290\u1275 \u12ed\u1230\u121b\u12ce\u1273\u120d? \u121d\u1293\u120d\u1263\u1275 \u1260\u1325\u12eb\u1244\u12cd \u130d\u122d \u1233\u12ed\u120d\u12c8\u1275 \u12a0\u12ed\u1240\u122d\u121d\u1362 \u12a0\u12ed\u1348\u1228\u12f5\u1265\u12ce\u1275\u121d\u1362 \u133d\u1295\u1230 \u1203\u1233\u1261 \u12e8\u1245\u122d\u1265 \u130a\u12dc \u1260\u1218\u1206\u1291 \u1265\u12d9 \u1230\u12cd \u120b\u12eb\u12cd\u1240\u12cd \u12ed\u127d\u120b\u120d\u1362 \u1208\u12da\u1205\u121d \u1232\u1263\u120d \u1208\u12db\u122c \u1260\u1323\u121d \u1218\u1230\u1228\u1273\u12ca \u12e8\u1206\u1290 \u1218\u1228\u1303 \u120b\u1240\u122d\u1265\u120b\u127d\u1201 \u12c8\u12f0\u12f5\u12a9\u1362 \u12a0\u1295\u12f5 \u1235\u12cd \u1203\u12aa\u121d \u130b\u122d \u1202\u12f6 \u1324\u1295\u1290\u1271\u1295 \u12a0\u1295\u12f0\u121a\u1218\u1228\u1218\u122d \u1201\u1209 \u12e8\u134b\u12ed\u1293\u1295\u1235 \u1324\u1295\u1290\u1275\u121d \u1260\u130d\u120b\u127d\u1295\u121d \u1206\u1290 \u12a8\u134b\u12ed\u1293\u1295\u1235 \u1263\u120b\u1219\u12eb \u130b\u122d \u1206\u1290\u1295 \u120d\u1295\u1348\u1275\u1238\u12cd \u12e8\u121a\u1308\u1263\u1295 \u1309\u12f3\u12ed \u1290\u12cd\u1362 \u1208\u1218\u1206\u1291 \u12e8\u134b\u12ed\u1293\u1295\u1235 \u1205\u12ed\u12ce\u1273\u127d\u1295 \u1324\u1290\u129b \u1218\u1206\u1291\u1295 \u12a5\u1295\u12f4\u1275 \u121b\u12c8\u1245 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3375,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-3374","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/kedamegebeya.info\/index.php?rest_route=\/wp\/v2\/posts\/3374","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kedamegebeya.info\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kedamegebeya.info\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kedamegebeya.info\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kedamegebeya.info\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3374"}],"version-history":[{"count":1,"href":"https:\/\/kedamegebeya.info\/index.php?rest_route=\/wp\/v2\/posts\/3374\/revisions"}],"predecessor-version":[{"id":3376,"href":"https:\/\/kedamegebeya.info\/index.php?rest_route=\/wp\/v2\/posts\/3374\/revisions\/3376"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kedamegebeya.info\/index.php?rest_route=\/wp\/v2\/media\/3375"}],"wp:attachment":[{"href":"https:\/\/kedamegebeya.info\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3374"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kedamegebeya.info\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3374"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kedamegebeya.info\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}