Amayi omwe ali pachiwopsezo chachikulu cholephera kupuma pantchito

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Written by Linda Hohnholz

Azimayi akhala akutsalira kwa amuna kuti asunge ndalama zopuma pantchito, koma kafukufuku watsopano wa TIAA akuwonetsa momwe mliriwu udakulitsira kusiyana.

Kafukufuku wa 2022 TIAA Financial Wellness Survey akuwunikira vutoli:

• Pafupifupi amayi amodzi mwa atatu aliwonse (31%) amasunga ndalama zokapuma pantchito, poyerekeza ndi 44% ya abambo.

• Amuna ochuluka (35%) amadzidalira kuti ali ndi moyo wabwino panthawi yonse yopuma pantchito popanda kusowa ndalama, poyerekeza ndi 19% ya amayi. Mu kafukufuku wa 2013 wa TIAA, chidaliro cha jenda aliyense ngati akusunga ndalama zokwanira pantchito yopuma pantchito chimasiyana ndi 9 peresenti yokha.

• Zonse zanenedwa, amuna 80 pa 63 aliwonse asunga ndalama zina zokapuma pantchito, poyerekeza ndi 2017% ya amayi. Izi ndi zosiyana kwambiri ndi deta ya 55 yomwe inasonkhanitsidwa ndi US Census Bureau's Survey of Income and Program Participation (SIPP). Idayesa ngati amuna ndi akazi azaka zapakati pa 66 mpaka 3 anali ndi ndalama zilizonse zopuma pantchito ndipo adapeza kusiyana kwa XNUMX peresenti yokha.

"Amayi tsopano akukumana ndi chiopsezo chachikulu cholephera kupuma pantchito kapena kusowa ndalama akatero," adatero Snezana Zlatar, wamkulu wa TIAA wa Advice Solutions. "Vutoli likamakula, m'pamenenso sitingathe kupita patsogolo kwa amayi ndi anthu onse."

Kampani yodziyimira payokha yofufuza idachita kafukufuku wa TIAA, ikuvotera anthu aku America 3,008 azaka 18 ndi kupitilira apo pamitu yoyendetsera ndalama.

Zomwe zapezazi zikugogomezera chiŵerengero china chodabwitsa: Azimayi akasiya kugwira ntchito, ndalama zomwe amasungira akapuma pantchito komanso ndalama zomwe amapeza zimabweretsa ndalama zocheperapo ndi 30% poyerekeza ndi amuna, malinga ndi bungwe la Organisation for Economic Co-operation and Development (OECD).

Mliriwu udakulitsa zinthu, popeza azimayi pafupifupi 2 miliyoni asiya ntchito kuyambira 2020, malinga ndi US Bureau of Labor Statistics. Azimayi ambiri anafunikira kuthandiza kulera ana kapena kusamalira achibale okalamba, koma zambiri za ndalama zimene anataya ndi ndalama zimene anasunga sizidzabwezedwanso.

Nzosadabwitsa kuti kafukufuku wa TIAA adapezanso kuti amayi ambiri (29%) kuposa amuna (19%) amavutika kulipira ngongole pamwezi, kuphatikizapo zothandizira, lendi, malipiro a ngongole ndi makhadi a ngongole.

Ndipo ngakhale amuna ndi akazi onse adanena kuti akufuna kugwira ntchito ndi okonza zachuma kapena alangizi a zachuma, 22% yokha ya amayi ndi omwe amachita, poyerekeza ndi 36% ya amuna, zomwe zikuwonetsa vuto lina lomwe amayi akukumana nalo pa zachuma.

Zotsatira za kafukufukuyu zikutsimikizira chifukwa chomwe TIAA idalumikizana nawo koyambirira kwa mwezi uno ndi ena mwa osewera komanso makochi otchuka mu WNBA ndi NCAA kuti awonetse kusiyana kwa kukonzekera kwa amayi pantchito yopuma pantchito. Khama latsopanoli lithandiza kulimbikitsa, kuphunzitsa ndi kutsutsa aliyense kuti #retireinequality.

"Ndikofunikira kwambiri kuti amayi amvetsetse zovuta zambiri zomwe amakumana nazo asanapume pantchito kuti athe kuchitapo kanthu mwachangu momwe angathere," adatero Zlatar. "Pali njira zosiyanasiyana zomwe amayi angapezere chithandizo, monga kutenga nawo mbali pamapulani opuma pantchito omwe amathandizidwa ndi owalemba ntchito ndi madongosolo azachuma, komanso kupereka njira zopezera ndalama zomwe amapeza pamoyo wawo wonse kuti asamasowe ndalama akapuma pantchito."

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Avatar ya Linda Hohnholz

Linda Hohnholz

Mkonzi wamkulu kwa eTurboNews zochokera ku eTN HQ.

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