Basali ba Kotsing e Khōlō ea ho se khone ho tlohela mosebetsi

Basali ke khale ba salletse morao ho banna ka hore na ba khona ho boloka bokae bakeng sa ho tlohela mosebetsi, empa tlhahlobo e ncha ea TIAA e senola kamoo seoa sena se ekelitseng lekhalo le ho feta.

Phuputso ea 2022 ea TIAA ea Boiketlo ba Lichelete e totobatsa bothata:

• Ke mosali a le mong ho ba bararo (31%) ea bolokang nako ea ho tlohela mosebetsi, ha ho bapisoa le 44% ea banna.

• Banna ba bangata (35%) ba itšepa hore ba tseleng ea ho phela hamonate nakong eohle ea ho tlohela mosebetsi ntle le ho felloa ke chelete, ha ho bapisoa le 19% ea basali. Phuputsong ea 2013 ea TIAA, boemo ba boitšepo ba bong bo bong le bo bong ba hore na ba boloka chelete e lekaneng bakeng sa ho tlohela mosebetsi bo fapane ka liperesente tse 9 feela.

• Ka kakaretso, 80% ea banna ba bolokile bonyane chelete e itseng bakeng sa ho tlohela mosebetsi, ha ho bapisoa le 63% ea basali. Seo se fapane haholo le data ea 2017 e bokeletsoeng ke Liphuputso tsa US Census Bureau of Income and Programme Participation (SIPP). E ile ea lekanya hore na banna le basali ba lilemo tse 55 ho isa ho tse 66 ba na le chelete ea ho tlohela mosebetsi mme ba fumana phapang ea liperesente tse 3 feela.

"Hona joale basali ba tobane le kotsi e kholo ea ho se khone ho tlohela mosebetsi kapa ho felloa ke chelete ha ba etsa joalo," ho boletse Snezana Zlatar, hlooho ea TIAA ea Advice Solutions. "Ha bothata bona bo ntse bo hola, re ka fokotsa tsoelo-pele ho basali le sechabeng ka kakaretso."

Feme e ikemetseng ea liphuputso e ile ea etsa boithuto ba TIAA, ea khetha Maamerika a 3,008 a lilemo tse 18 le ho feta mabapi le mefuta e mengata ea taolo ea lichelete.

Liphuputso li totobatsa lipalo-palo tse ling tse makatsang: Hang ha basali ba emisa ho sebetsa, chelete eo ba e bolokileng ha ba tlohela mosebetsi le matsete a bona a hlahisa chelete e ka tlase ho 30% ho feta ea banna, ho latela Mokhatlo oa Tšebelisano-'moho le Tsoelo-pele ea Moruo (OECD).

Seoa sena se ile sa mpefatsa litaba le ho feta, kaha basali ba ka bang limilione tse peli ba tlohetse mosebetsi ho tloha ka 2, ho latela US Bureau of Labor Statistics. Ho ne ho hlokahala basali ba bangata ho thusa ho hōlisa bana kapa ho hlokomela beng ka bona ba hōlileng, empa boholo ba meputso ea bona le chelete eo ba e bolokileng e ke ke ea hlola e fumanoa.

Ha ho makatse hore ebe phuputso ea TIAA e boetse e fumane hore basali ba bangata (29%) ho feta banna (19%) ba na le bothata ba ho lefa likoloto tsa khoeli le khoeli, ho akarelletsa le lisebelisoa, rente, litefello tsa likoloto le likarete tsa mokitlane.

'Me le hoja banna le basali ba boletse hore ba ka rata ho sebetsa le baetsi ba lichelete kapa baeletsi ba lichelete, ke 22% feela ea basali ba etsang joalo, ha ba bapisoa le 36% ea banna, e leng se bontšang bothata bo bong hape bo ka bang teng ho basali ba bophelo bo botle ba lichelete.

Liphetho tsa liphuputso li tiisa lebaka leo TIAA e ikopantseng le mabotho pejana khoeling ena le ba bang ba libapali le bakoetlisi ba nang le tšusumetso ho WNBA le NCAA ho totobatsa lekhalo la ho itokisetsa ho tlohela mosebetsi ha basali. Boiteko bo bocha bo tla thusa ho khothatsa, ho ruta le ho phephetsa bohle ho #retireinequality.

"Ho potlakile haholo hore basali ba utloisise mathata a mangata ao ba tobanang le 'ona pele ba tlohela mosebetsi e le hore ba ka nka khato ea ho fokotsa kapele kamoo ho ka khonehang," ho boletse Zlatar. "Ho na le mekhoa e fapaneng ea hore basali ba fumane thuso, joalo ka ho kenya letsoho mererong ea ho tlohela mosebetsi e tšehelitsoeng ke mohiri le mananeo a bophelo bo botle ba lichelete, le ho kenya letsoho ho litharollo tse tiisitsoeng tsa moputso oa bophelo bohle ho thusa ho qoba ho felloa ke chelete ha motho a tlohela mosebetsi."