Vakadzi vari paNjodzi Yakakura Yekutadza Kuenda pamudyandigere

Vakadzi vagara vasara kumashure kwevarume muhuwandu hwavanokwanisa kuchengetedza pamudyandigere, asi ongororo itsva yeTIAA inoratidza kuti denda iri rakawedzera sei mukaha.

Iyo 2022 TIAA Financial Wellness Survey inosimbisa dambudziko:

• Mudzimai mumwe chete pavatatu (31%) ndiye ari kuchengetedza mari yekuenda pamudyandigere, zvichienzaniswa ne44% yevarume.

• Varume vakawanda (35%) vanonzwa kuzvivimba kuti vari mugwara rekugara zvakanaka panguva yese yekuenda pamudyandigere vasingashaye mari, zvichienzaniswa ne19% yevakadzi. Muongororo yeTIAA ya2013, chivimbo chega chega chemurume kana mukadzi chekuti vari kuchengetedza zvakaringana pamudyandigere chinosiyana nezvikamu zvipfumbamwe chete kubva muzana.

• Zvose zvataurwa, makumi masere kubva muzana evarume vakachengeta imwe mari yekuenda pamudyandigere, zvichienzaniswa ne80% yevakadzi. Izvo zvakasiyana zvakanyanya pane data ra63 rakaunganidzwa neUS Census Bureau's Survey yeIncome uye Chirongwa Chekuita (SIPP). Yakayera kana varume nevakadzi vane makore makumi mashanu nemashanu kusvika makumi matanhatu nematanhatu vaine chero mari yekurega pamudyandigere uye vakawana mutsauko wezvikamu zvitatu chete muzana.

"Vakadzi vakatarisana nenjodzi huru yekutadza kuenda pamudyandigere kana kushaya mari pavanenge vadaro," akadaro Snezana Zlatar, mukuru weTIAA weAdvice Solutions. "Nekuwedzera kuri kuita dambudziko iri, tinowedzera kufambira mberi kuvakadzi nenharaunda."

Imwe kambani yakazvimirira yekutsvagisa yakaita ongororo yeTIAA, ichivhotera zviuru zvitatu zvevaAmerica vane makore 3,008 zvichikwira pane dzakasiyana siyana dzekutarisira mari.

Zvakawanikwa zvinosimbisa humwe huwandu hunokatyamadza: Kana vakadzi vakangomira kushanda, mari dzavanochengetera pamudyandigere nekudyara kwavo zvinounza mari inosvika makumi matatu kubva muzana pane yevarume, maererano neOrganisation for Economic Co-operation and Development (OECD).

Denda iri rakawedzera zvinhu, sezvo vakadzi vangangosvika mamirioni maviri vakasiya vashandi kubva 2, sekureva kweUS Bureau yeLabour Statistics. Vakadzi vakawanda vaifanira kubetsera kurera vana kana kuti kuchengeta hama dzokunyama dzakwegura, asi yakawanda yemihoro yavo yakarasika uye mari yavakachengeta haisati ichizodzorerwa.

Hazvishamisi kuti ongororo yeTIAA yakawanawo kuti vakadzi vakawanda (29%) kupfuura varume (19%) vane dambudziko rekubhadhara mabhiri epamwedzi, kusanganisira zvekushandisa, rendi, kubhadhara zvikwereti uye makadhi echikwereti.

Uye nepo varume nevakadzi vakati vangada kushanda nevarongi vezvemari kana vanachipangamazano vekudyara, 22% chete yevakadzi vanoita, zvichienzaniswa ne36% yevarume, zvichiratidza chimwe chipingamupinyi chinogona kutarisana nevakadzi vehutano hwemari.

Mhedzisiro yeongororo inosimbisa chikonzero nei TIAA yakabatana nemauto kutanga kwemwedzi uno nevamwe vevatambi vane simba nevarairidzi muWNBA neNCAA kuratidza musiyano wekugadzirira kwevakadzi pamudyandigere. Iko kuedza kutsva kuchabatsira kukurudzira, kudzidzisa uye kupikisa munhu wese ku #retireinequality.

"Zvinonyanya kukurumidza kuti vakadzi vanzwisise matambudziko mazhinji avanosangana nawo vasati vaenda pamudyandigere kuti vatore matanho nekukurumidza," akadaro Zlatar. "Kune nzira dzakasiyana dzekuti vakadzi vawane rubatsiro, sekutora chikamu muzvirongwa zvemudyandigere zvinotsigirwa nemushandirwi uye zvirongwa zvehutano hwemari, uye kubatsira kune mhinduro dzakavimbiswa dzehupenyu hwese kubatsira kudzivirira kupera kwemari mukurega."