Kutanga: Basa reHurumende Mukuvaka Kukwanisa Kwemari

Kugona kunyora mari hausi unyanzvi hunokosha — hunoratidza mano omunhu okutarisira chikwereti, kuchengetedza mari, kuisa mari nokuchenjera, uye kushandisa upfumi hwakaoma. Madhipatimendi ehurumende muUnited States yose akaziva kuti dzidzo yemari yakanaka kuvanhu vose, inogona kuderedza urombo, kuvandudza uwandu hwezvikwereti, uye kusavimba nemabasa emari anovhiringidza. Nemhaka yeizvi, masangano ari kugadzira nzira dzakasiyana - siyana dzemazano — kubva pakushandisa mari yomunhu oga kuenda K - 12 pashure pokutanga kugadzira zvishandiso zvemagetsi uye kushandira pamwe chete nevanhu vose — kushongedzera vagari vemo kuti vaite zvisarudzo zvemari zvakanaka.

Nhano idzi dzinosiyana zvikuru muukuru uye marongedzero, kuratidzira misiano yemari yehurumende, zvinhu zvezvamatongerwe enyika, uye zvinodikanwa zvavagari vemo. Bva muitiro mumwe chetewo unoshanda mugadziriro dzinobudirira zvikurusa: dzinotsigirwa, dzinogoneka, uye dzinogadzirirwa kunzanga dzadzinobatira. Nyaya inonzvera madhipatimendi makuru okusvika anoshandiswa kusimudzira kurava nokunyora mari, zvinetso zvazvinotarisana nazvo, uye mikana mitsva inogona kusimbisa simba remari nokuda kwavagari vose vemo.

Zvikamu Zvinokosha Zvokutanga Zvemari Zvakapiwa neHurumende

Madhipatimendi ehurumende anowanzoronga nhamburiko dzawo dzemari dzokugona kunyora nokunyora pamisengwa mitatu yezvikosha: dzidzo yechikoro, kuziva vanhu vose, uye kuronga kushandwa.

Kupinza Kwegadziriro yedzidzo muK -12

Imwe yemitoo inobudirira zvikurusa yenhambo refu inoita kunyora nokunyora mari muchikoro chavose. Kusvikira muna 2025, inopfuura 25 nyika dzinoda kosi yomunhu oga yemari nokuda kwokupedza kufunda pachikoro chapamusoro, mukuwirirana ne Jump] $Makoleti[.[FLT] [FLT]] Kosi idzi dzinofukidza misoro yakadai semari, mari yechikwereti, mitero, mitero, uye mari yokuisa mari — unyanzvi uhwo vakuru vazhinji vasina kutongodzidza nenzira yapamutemo.

Missouri, Virginia, uye Alabama vakamutsa zvinodikanwa zvokupedza kufunda zvinoraira chinenge semester imwe yokugona kurava nokunyora. Muidzi nyika, kukura kwedzidzo kunowanzotarisirwa nedhipatimendi redzidzo rehurumende mukubatira pamwe nehofisi yemari yehurumende kana kuti sangano rokudzivirira vatengi. Vadzidzisi vanogamuchira kukura kwounyanzvi kupfurikidza namasangano akafanana ne . National Endowment for Financial Education[[FLT]] [FLT] [FFF] [3], kuvimbisa murayiridzoto wezera neridzo yakakomba.

Somuenzaniso, tsika dzemari dzokudzidza dzinotanga pachikoro chepuraimari, dzichishandisa mitambo uye zvinetso zvenyaya kudzidzisa kusiyana kwezvinodiwa nezvinodiwa.

Vakura Nedzidzo Yemari Yokushanda

Masangano okubudirira kwebasa, anowanzova mumadhipatimendi ehurumende, anopa dzidzo yemari sechikamu chepurogiramu dzokurovedza basa. Misoro yenyaya inosanganisira kuenzanisa mabasa, kubhadhara mari yemari, kubhadhara chikwereti chevadzidzi, uye kudzivisa kubhadhara mari.

Vazhinji vanotaura nhamburiko dzavo dzedzidzo dzemari dzavakuru kuvagari vemo chaivo: vaichimbova vadzokeri vadzokezve munzanga, varwi vakare, vabereki vamwe, uye vashandi vakura vari mungozi yokubiridzira. [FLT] Consumer Financial Protection Bureaudiaution yezvemari[ [FLT]] inogovera maturusi okunzvera akadzorwa kudzokera shure ayo masangano ehurumende anogona kuchinjika, zvakadai senhungamiro pakutarisira mari yemari yavadzidzi inobhadharwa uye kudzivisa mibhadharo isingakarirwi namabhangi.

Kungwarira Vanhu uye Majecha Anoita Maitiro

Madhipatimendi ehurumende nguva dzose anotanga nhimbe dzokuzivisa vanhu kuti atsigire mufambiro wemari unokosha, wakadai sokunzvera mishumo yechikwereti, kushandisa maakaundi okuchengeta mari yokurega basa, kana kuti kudzivisa kukweretesa mari yakawanda. iyi nhimbe inoshandisa muvhenganiswa wezvinobudisa nhau zvegamuchidzanwa — redhiyo, zvikwangwani zvezviziviso zvebasa ravose, uye zviziviso zvemichina yehurumende — uye mikoto yamagetsi yakadai sezvinobudisa nhau zvenzanga namatsamba eemail.

Mitengo yetsika yakapesvedzera nhano dzakawanda dzehurumende. Somuenzaniso, Office of Economic Malementment yeMassachusetts inotsigira “Zuva ra529 renyika yose” nhimbe yokukurudzira mhuri kuvhura maakaundi ekoreji. Nenzira yakafanana, Illinois inopamura yaro resitents rewheat wewer Office yew [[FLT]] nemari inochengeteswa inoshandirwa inobatira mari inonyandura apo vagari vemo vanobhadhara mitero yenhau kana kuti vamuchairidzisi. Iyi mibairo miduku inodzo inoita chiito chokutarisira kuti ipedze kuronga mari.

Mienzaniso Yakaoma: Kushandira Pamwe Kwevanhu Vose uye Kubatana Kwenzanga

Zvirongwa zvinobudirira zvinovimba nokubatana nemabhangi, mibatanidzwa yechikwereti, masangano asingawani mhindu, uye masangano enzanga anotovimba nevanhu vaanonyanya kuuraya.

Mabasa Emasangano Ezvemari Nemafaro Asina Mhindu

Mabhangi namasangano echikwereti anowanzova makambani ezvemari namasangano ehurumende, achigovera kupa zano rechikwereti pachena nokuvhura maakaundi emari akaderera anochengeterwa mari. Mudzimwe nyika, hofisi yebhangi yehofisi yebhangi inobatira pamwe ne FDIC] Money Smart[ purogiramu yokupa mamouse eAwakense pabhengi, chivako chechikwereti, uye imba inobhadharwa. Zvipiso zvakafanana ne .]

Iyi batira pamwe inotambanudza kusvika kwenhamburiko dzehurumende pasina kuda mitsetse mitsva yemari. Somuenzaniso, Department of Inishuwarenzi and Financial Services yeMichigan ine “Mari Yako, Purogiramu Yenyu” muwirirano namaraibhurari omunzvimbomo nekoreji dzenzanga, ichishandisa mashopu akareji akaregeredzwa anotsamira pakuzvipira kuderedza ndyiko yavashandi.

Masangano Okuwedzera Kushanda

Imba yemayunivhesiti anowana mari yakawanda yakapa dzidzo yemari yezvokurima neyemhuri kwerinopfuura zana ramakore. Madhipatimendi akawanda ehurumende anobatira pamwe neChikudziro chokugovera makirasi okudzidza kurava nokunyora mari munharaunda dzomumaruwa. Aya makirasi anofukidza mari yepurazi, kuronga basa, uye mapurogiramu okuchengeta mari yepwere — kusvika vanhu vangasapinda shopu yebhangi. Kuwedzera kwacho kunovimbisa kuti zvinhu zvinova zvakafanira mumunzvimbomo uye tsika, uko kunokosha zvikuru nokuda kwenzanga dzevokutamira nendudzi.

Zvishandiso Nezvounyanzvi Hwokutakura Mari

Madhipatimendi ehurumende ava kuisa mari yezvirongwa zvemakombiyuta, maapply, uye maapply anobatsira vanhu kuti vadzidze vachishandisa makombiyuta.

Kushandisa Simba Rokufambisa Maatomu Mabhazi Nezvirongwa Zvezvinofamba

Mitemo mizhinji yakatanga mawebsite okugona kurava nokunyora anobatanidza mari kubva kumasangano akawanda. Somuenzaniso, California Financial Linitation Iniversitection (]] Canicalniafinallitacy.org) inounza zvose zvirimo kubva kupfuma yehurumende, Department of Education, uye Attorney General’s hofisi. Vashanyi vanogona kuwana mavhidhiyo pakubhajeka mari, mabhajeti ezvikwereti zvemari, uye matura emabasa okuranga.

Maapps emotokari ava wedzero inozivikanwa navose. MYFLAidaCFO yeFlorida app inobatanidza shopu yemari ine mativi evavariro nemhedziso. Aya maturusi anounganidza mashoko anoshandiswa namashoko, ayo anobetsera kuyera madhipatimendi ehurumende kuti imodurai anoshanda zvikuru uye uko vashandisi vanorega.

Kusimbisa uye Kudzidza Kunopindirana

Kubatanidza vateereri vaduku, matauriro anenge achinzvera kubhejera. Dare reDzidzo rinotsigira makwikwi emari omunhu oga munyika yose anoshandisa Everfi [[ platifomu, apo vadzidzi vanowana mabheji uye vanokwikwikwidzana mudenho yemari yemari yakaedzerwa. Nenzira yakafanana, [[FLT:]] TEXAS REPYYYYY neFD inoshandisa mutambo unotakurwa unodzidzisa njodzi nefariro yezvikamu zvinobatanidza kupfurikidza nechinoitika chenzoichiono cheapo chemari — kuita kuti chiyeuko chakaoma.

Mienzaniso chaiyoiyo iri pajengachenga asi inoramba ichitengwa namasangano akawanda enyika. Zvisinei, sezvo ndyiko dzoruzivo rwokugadzira zvinhu dzinoderera, izvi zvinoitika zvinodzosera kujeka zvinogona kubvumira vagari vemo kurovedza kurenda furati, kutenga motokari, kana kuti kuongorora mipimo yeinishuwarenzi mumhoteredzo yakakotsekana, yakasviba.

Matambudziko Okusakwanisa Kushanda

Pasinei nokufambira mberi, madhipatimendi ehurumende anotarisana nezvipingamupinyi zvinoramba zvichitadzisa vanhu kuwana mari yokudzidza.

Kusvika Vanhu Vari Kutarisirwa uye Vakasiyana - siyana

Mhuri dzinowana mari shoma, nzanga dzeruvara, uye vagari vomumaruwa kazhinji kazhinji vane mukana muduku wokuwana dzidzo yemari asi vanotarisana nengozi hurusa yenhamo yemari. Kosi yechikoro yakarongwa ingasafadza ava vateereri kana vakakundikana kutaura tsika dzetsika pamusoro pemari, mhinganidzo dzemitauro, kana kuti kusavimba namasangano ezvemari.

Kuti apindure, mamwe madhipatimendi ehurumende ndiwo anogadzira zvinhu zvine vatungamiriri venzanga. Chirongwa chemari yokugona kuverenga nokunyora cheNew Mexico, somuenzaniso, chinogovera zvinhu muNavajo neSpanish, uye chinoshandisa vatsinhanisi vemitauro miviri. Kunyange zvakadaro, kukwiza mashoko akadaro akagadziridzwa munyika yose kunoramba kuri chinetso chemari uye chekushandisa.

Kutsigira Kuoma Kwemari uye Kuda Zvematongerwe Enyika

Purogiramu dzemari dzokugona kunyora nokunyora dzinowanzotsigirwa nemari kupfurikidza nezvipo zvegore negore kana kuti mari inotambirwa panguva imwe chete, zvichiita kuti kuronga kwenguva refu kuve kwakaoma. Kana mari yehurumende ipo inodzorwa — sezvayakaita munyika dzakawanda pashure pekuderera kwemari kwa2008 — purogiramu idzi dziri pakati pedzekutanga kutemwa. Uyezve, vakuru vakuru vakasarudzwa vangachinja zvinhu zvinokosha, vachisiya mapurogiramu asina kutsarukana nevezvamatongerwe enyika.

Kukurukura kusagadzikana kwemari, dzimwe nyika dzakaita mari yechapupu chakatsaurirwa inotsigirwa nemari shomanene pamitengo yakati yemari. Somuenzaniso, Washington State’s Marformation Public-Private Officership inoshandisa chikamu chemari yezvinhu zvisina kutsaurirwa kutsigira kurovedzwa kwomudzidzisi nezvinhu zvekirasi.

Kushanda Zvakanaka

Kuziva kana gadziriro yokugona kunyora nokunyora ikachinja zvomenemene tsika kwakaoma zvikuru. Nyika zhinji dzinovimba nezvikamu zvinowana zivo ichangobva kuwanikwa nguva pfupi asi kwete migumisiro mirefu semari yechikwereti, mari yakachengetwa, kana kuti mari yakabhuroka. Nyika shomanene dzine zvitendi zvokuita nzvero yakakomba.

California Office yeMasimba Omutengo [[FLT: 1] ndiimwe inosiiwa: inodzivisa mwero yechikwereti nemiitiro yemari inochengetwa kwamakore matatu pashure pokupedzwa kwepurogiramu, ichishandisa majekiseni anogoverwa nemibatanidzwa yechikwereti. Uyu muitiro unogovera muenzaniso nokuda kwedzimwe nyika, asi unoda zvibvumirano zvemashoko zvinodzorwa kazhinji kazhinji neitiro hanya dzakavanzika.

Fundo Dzenhau: Gadziriro Dzehurumende Dzinotungamirira

Kuti tinzwisise kuti aya mazano anobatana sei mukushandiswa, kunobetsera kunzvera mapurogiramu enyika dzinoverengeka idzo dzakagamuchira kuzivikanwa kworudzi nokuda kwenhamburiko dzadzo dzemari dzokurava nokunyora.

Kutanga Kwemari yeCalifornia Kudzidza

Nzira yeCalifornia inobatanidza zvakawanda. Department of Education yakatanga gadziriro yemari yokugona kurava nokunyora munyika yose muna 2022, ichida zvikoro zvose zvapamusoro kupa kosi yomunhu oga pa2027. Calilifornia Finicationrial Linication Inication [ [CFLI]] [CF]) inobatanidza kubatira muchinjikwa kwemitengo, kubatanidza hofisi yeShomu reHurumende, Dhipatimendi rePromendi rePurcence Affai, uye Dhipatimendi reBazi rinofambisa mari inotakura mari inotakura mari inotakura mari iri pasi penharaunda dzinobatira misasa, kugovera kugadzirira mitero yapachena nokubhadhara. Mu2024, kuedza kuratidzira vagari vemo vagari vemo vanofamba basa vapabhengi vanotanga kuvhu.

Chinodikanwa Chokupedza Kufunda Chemari cheVirginia Nechomunhu Oga

Virginia akanga ari mumwe wemimwe mitongo yokutanga kuraira kosi yemapoka emari nemari yomunhu oga nokuda kwokupedza kufunda pachikoro chapamusoro, kutanga nekirasi ya 2011. [[FLT: 0] Variginia Dhipatimendi reDzidzo [ yakabatira pamwe ne [[FLT] FULT] Reserve Bank yeRich yeRichmond [[[[FLT]]][FLT]][FLT]]] kuti ikukuvandudza zvidzidzo. Vadzidzi vanofanira kupedza maawa 40 erovedzo vasati vagona kutungamirira kosi. Kuyera ne [[FLT:] jkate][FLT] [FLT] vakawana kuti vadzidzi vakatora kosi yegore rapabhurome remari renyika yose.

Basa Remari reTexas Rokudzidza Nokudzidzisa

Texas yakaumba Mitemo yokunyora nokunyora mashoko edzidzo muna 2015, yakadzorwa neState Comptroller. Commission inobudisa mushumo wegore negore wedzidzo yemari mumasangano enyika, inoita masangano eruwa, uye inochengeta mari yezvokufambisa vadzidzisi nemhuri. Nhamba yeTexas inoshanda neTexas Depart of Methor Vehicles kubatanidza mashoko okugona kunyora nokunyora mumishumo yedzidzo yedzidzo yevechiduku vevatyairi. Purogiramu yacho yakawedzerawo kupinda mutsika yetorongo yehurumende, ichipa makirasi emari kuvasungwa mukati memwedzi mitanhatu yokubudiswa. Sezvokubuda 2024, Recidism pakati pavatori vetokero.

Mikana Yokuchinja Nokufambira Mberi

Akatarira mberi, madhipatimendi ehurumende anogona kuvaka pakubudirira kwazvino kupfurikidza nokushandisa mikana inoverengeka iri kubuda.

.Open revolution nedata zvinovimbisa dzidzo yemari yomunhu oga. Nyika dzinogona kupa vagari vemo bhasikoro remari rakavanzika — nemvumo yakasarudzwa — iro rinonzvera mitoo yokushandisa ndokukarakadza zvidzidzo. Somuenzaniso, kana mushandisi ane mari yakawanda, dhiskiti remitero, ringapa mode inodzivisa madhiramu akapfuudzwa nokubatanidza mushandiri kumutsa purojekiti yemari yakaderera. Zvirongwa zvinoverengeka zvemutyairi muColorado neMinnesofia zviri kuedza iyi pfungwa.

kurava nokunyora mari serutivi rwebetsero dzavose ndiimwe nharaunda yokushandisa. Apo vagari vemo vanokumbira SNAP, inishuwarenzi yokushaikwa kwemabasa, kana kuti betsero yedzimba, vangagona kupiwa mouse pfupi yedzidzo yemari. Illinois yakatoshandisa “mitemo yakadaro” yomuenzaniso wemari inobhadharwa kubetsera vana, kugovera vhidhiyo yezviminiti 10 pakuronga mari mhuri dzisati dzawana muripo wadzo wokutanga.

Mirayiro yeruwa nokuda kwegadziriro dzemari dzinotsamira pavashandirwi iri kubuda setsika. Vermont naWashington zvino vanoda makambani ane vashandi vanopfuura 50 kupa mazano emari serutivi rwebetsero dzakanyanyisa. Madhipatimendi ehurumende anogona kutsigira izvi zvirevo kupfurikidza nokugovera vashandirwi vakasununguka uye zvinhu, zvichideredza mutoro wokuzviisa pasi.

Pakupedzisira, mibatanidzwa yedzidzo yemari ingagona kuderedza zviri mugadziriro yezvidzidzo uye kugoverana mashoko okuyera. Council of State Programmes iri kunzvera chibvumirano chenyika dzakawanda chaizobvumira nyika kuunganidza zviwanikwa zvokugadzira zvinhu zvakaenzana paIndaneti zvakakwirira zvikuru uye kuisa zviwanwa zvinozivikanwa navose. Mapepa akadaro angagona kuderedza mutengo ndokuvandudza kuoma kwenzvero yepurogiramu.

Kupedzisa: Nzira Inofambira Mberi Madhipatimendi Ehurumende

Madhipatimendi ehurumende anotarisira kugona kunyora nokunyora mari munyika yose. Anodzora dzidzo yavose, masangano ezvemari, uye anoshandisa maseneti okudzivirira ngozi anotapura mamiriyoni oupenyu. Mitauro inobudirira zvikurusa inobatanidza dzidzo yakavakirwa pachikoro yakavakirwa pamunhu mukuru inochinjika, mapurogiramu emagetsi, uye nzanga dzakadzika.

Matambudziko anoramba aripo — zvikurukuru pamusoro pemari, kusatsarukana, uye kushanda kwetsika — asi aya anodzokororwa kupfurikidza nechido chezvamatongerwe enyika, kubatira pamwe, uye kuronga madariro emashoko. Mitemo inoisa mukuyera nokugamuchira mienzaniso itsva (zvakadai sebetsero dzedzidzo dzakarongedzwa uye maturusi okubhangi akazaruka) ichaona kudzoka kwenguva refu muchimiro chemari yakaderera, mazakwatira mashoma, uye mwero yakakwirira zvikuru yemari inochengetwa nokuchengetwa kwemari. Nharidziro yacho yakajeka: kushongedzera mugari wemo ari wose, pasinei zvapo nezera kana kuti imari, zivo yemari uye chivimbo zvokubhangidzira mari kuti ibudirire muupfumi hwanhasi.