为退休或上大学而存钱?
It doesn't have to be an either-or, but t在这里 are important considerations to review.
说到……很多人都会假设 建立退休储蓄 or stashing money for college, it’s too hard to do both.
退休vs大学储蓄
Many parents face the question, “Should I save for college or retirement?” If you don’t want your children supporting you in retirement, it’s a good idea to save for both. A great start is making sure you’re meeting your retirement goal first and then decide whether — and how much — you can afford to start 为大学存钱.
管理大学和退休储蓄
First, contribute to a retirement plan through your employer, if you have one. Make sure you are contributing enough to your retirement plan to receive the 完全雇主匹配. 这里没有灰色地带.
Once you’ve done that, some of the accounts that do double duty are a good choice. 罗斯个人退休账户, you can pull out your contributions at any time, and qualified distributions from a Roth IRA in retirement may be tax-free. 有了401k，当你换工作的时候，你可以 把401k也搬走. When the kids get closer to college and you’re closer to retirement age, you’ll have a much clearer picture of how you can use the money to reach either goal.
退休计划
即使你推迟了为人父母的时间, 还想为他们的大学存钱, 你需要优先考虑退休. 不像大学, no one is going to provide you a scholarship and no one is going to give you a loan for retirement. And you might find yourself in a situation w在这里 you want to 继续工作 但是找不到工作. It’s not always completely in your control when you retire. Keep in mind the tax benefits such as reducing your taxable income by putting money towards a 401k.
父母如何支付大学学费?
Start saving money as soon as your child is born, if not beforehand. Even putting $50 aside each month will add up when they are ready to go off to college. “Found” money can be a good way to save for college without sabotaging your retirement. Get a credit card that deposits rewards directly into a college savings account or get a card that has a good rewards program and just deposit it back into a 529年计划. 一旦你的孩子离开日托中心， allocate that same money into their college fund.
设立大学基金
Instead of gifts during birthdays or holidays, ask your family to help invest in your child’s future by saving money for college tuition by providing a 教育的礼物. They can put the money they would have spent on a gift into a 529年计划, 教育储蓄帐户 或者大学基金. The earlier money is invested the higher it will grow to help cover the cost of their college education. 我们的 大学计算器 can help you determine how much could be needed.
还记得, your priority should be saving for your retirement, however with budgeting and planning both are possible.
