Isicwangciso soTyalo-mali ngokukhawuleza kwiiKholeji zeekholeji ezifuna ukuzonwabisa ngokuzimela kwezezimali
Ngokuqinisekileyo, kuya kufuna umsebenzi onzima, uqeqesho, kunye nokukwazi ukunamathela kwisabelo-mali kodwa singenziwa.
Ukusebenzisa enye yexabiso lexesha leemfomula zemali , ndiza kubonisa ukuba i-111 i-paycheck kwizinga eliqhelekileyo lokubuyela kwi-career eliqhelekileyo lingayi kuba ngu-4,426,000 kwizinto ezibutyebi ekuphoseni i-six-year figures in income income ; iphothifoliyo yamasheya , iibhondi , iimali eziphathekayo , i- real estate kunye nezinye izinto ezigcina intsapho yakho ihlala ngokufanelekileyo ngexesha lokuphila kwakho kwaye isebenze njengelifa kubantwana bakho kunye nabazukulu (okanye, mhlawumbi, uthando lwakho oluthandayo ).
Xa Uqala Umsebenzi Wakho, Ixesha, iHholisti Efanelekileyo Yentela, kunye neNgcaciso 401 (k) Ukudibanisa kunokudibanisa ukukwenza uzuze
Khawucinge ukuba uya kusebenza kwenkampani efana ne-Starbucks kumsebenzi ophantsi webala lokuphakathi, kwi-market-metropolitan market. Ufumana imali engama-40,000 ngonyaka ngomvuzo (ophantsi kancinci kumphathi oqhelekileyo we-Starbucks uhlawulwa kwi-48,665 yee-$).
Ngokuxhomekeka kwinqanaba elisetyenziswayo kunanoma yimuphi unyaka onikeziweyo, i-giant giant idibanisa 401 (k) iminikelo yedola-kwi-dollar ukuya kwi-4 yepesenti yokuqala okanye iipesenti ezi-6 zomvuzo wakho. Ukongezelela, cingela ireyithi yakho yentlawulo ehlangeneyo esebenzayo kwiRhafu, i-state, i-local, kunye neerhafu yokuhlawula i-28%.
Unquma ukuba ufuna ukubeka eceleni i-20% yengeniso yakho yonyaka, eyona nto iluncedo kodwa ngokuqinisekileyo ayixhomekekanga kuluntu ngokuzimela.
Yiyo eyi-8,000 yezigidi ngonyaka. Nangona kunjalo, ubuninzi bee-401 (k) zicwangciso zeMveli 401 (k) kunokuba iRoth 401 (k) . Oko kuthetha ukuba uza kufumana i-$ 2,240 yeedola umrhumo wakho werhafu; imali eyayiya kumazinga ahlukeneyo karhulumente kodwa ngoku ihlala ephaketheni lakho njengomvuzo wokubonelela ngekamva lakho. Impembelelo ngowona kuphela kufuneka ugcine i-$ 5,760 enetyala ngonyaka wakho, okanye ngaphantsi kwe-111 yezikolo ngokuhlawula iiveki nganye, njengoko urhulumente uncedisa ukuziphatha kakuhle. Oku kuthetha ukuba ngokukhawuleza uhlawulele imali yakho yokuphuma ngaphandle kwee-38,89 pesenti njengoko ufumana ukugcina imali engaphezulu kwe-$ 2,240 ukuze utyalomali njengoluhlobo lwemali-mboleko engenamdla kurhulumente kwi-30, 40 okanye iminyaka engama-50 + .
Akukho konke. Ngama-401 ahlukeneyo (k) ishedyuli ehambelanayo, kwiminyaka ethile, i-Starbucks iya kufaka i-$ 1,600 kwimirhumo ehambelanayo nekhetho, ngelixa kwabanye, liza kukhaba i-$ 2,400 kwimali engenayo irhafu. Oku kubangele i-$ 9,600 ukuya kwi-10,400 yezigidi kwimali emitsha yongezwa kwi-akhawunti yakho rhoqo emva kweenyanga ezili-12, nangona uvele uhlukane ne $ 5,760 ephakamileyo lakho. Kule ngongoma, uye wahlawula imali yakho phakathi kwama-66,67 ekhulwini kunye nama-80.56 ekhulwini, nangona unqumle ukubeka imali ngokusesikweni ngokupheleleyo kwaye upake i-greenbacks kwinto efana nekhredithi yemarike yemali !
Kodwa, linda! Kukho ngaphezulu! Ngethuba nje imali ihlala kwindawo yokukhusela i-401 yakho (k), phantsi kweemeko zonke, izabelo, inzala, iireti , kunye neenzuzo ezinkulu ozifumanayo azikho phantsi kweerhafu! (Kunoko, uhlawula irhafu ngokurhoxisa, njengokungathi i-paycheck xa ufaka umhlalaphantsi. Ukuba uzama ukuthatha imali kwangaphambili, ungaphantsi kwezinga lesigwebo se-10 ngaphezulu kwerhafu ehlawulayo nangona ungathabatha 401 (k) ukuhoxiswa kwemali mboleko okanye ukukhutshwa kanzima , okusoloko kuyinto engcolileyo. Ngaphansi kwemigaqo ekhoyo, urhulumente uya kukunyanzela ukuba uqale ukuthabatha ukulungiswa kweemali kwi-70.5 yobudala ukuze uhlale uhlawulela imali ngaphakathi kwendawo yokukhusela irhafu. .) Ngaphantsi kweemeko ezifanelekileyo, unokufumana ukukhula kwerhafu ekufutshane.
I-cherry yokugqibela ngaphezulu kwesi sundae yokwakha isityebi? Ukuba unokuhlangabezana neentlekele zemali uze ufumane inkundla yebhanki, kunokwenzeka ukuba uninzi lweedola ezingama-401 (k) ibhalansi inokukhuselwa kubabolekisi njengoko inkundla inqwenela ukuhlasela inqununu yomhlalaphantsi. (Le ngenye yezizathu akufanele ungeke udibanise i-akhawunti yakho yomhlala-phantsi xa ihlabathi lakho lezimali liyeka ngaphandle kokuthetha nomcebisi oqeqeshiweyo, kuqala! Unokuba ngcono ukuba uthathe i-bankruptcy yokukhusela ukukhutshwa kunye nokwakha kwakhona isidleke sakho Iqanda liye linyanzele.Izo zonke iimeko zihlukile. Musa ukukhupha zonke iinketho zakho ngaphambi kokufuna isiluleko.)
Kuphi konke oku kukubeka khona? Masihlole. Ngomnyaka oqhelekileyo, i-401 yakho (k) yayiza kubona i-$ 10,000 kwimali entsha egcinwe kuyo (i-$ 9,600 eminye iminyaka, i-$ 10,400 enye). Imilinganiselo yakho yokugcina imali ye-pocket ye-pocket i-$ 5,760 kuphela; encinki encinci yomvuzo wakho. Leyo mali eyi-10 000 iya kutyalomali kwii-securities okanye kwiimali ozikhethayo, ukuhlanganisela wena kude kube ngumhlala-phantsi okanye ufikelele kwiminyaka engama-70.5 ubudala kwaye urhulumente uyanceda ukuba uqale ukudweba imali ukuze ungayisebenzisi inzuzo yerhafu. ixesha elide, ukwandisa izindlalifa zakho ngaphaya koko uluntu lubona lufanele ukuxhaswa.
Khawucinge ukuba ukhetha i-100 yeepesenti yexabiso lokunciphisa imali. Sithatha ukubuyiswa kwexesha elide leemali ezifunyenwe yimpahla emikhulu, e- blu-chip-chip (ephethe i-index index). Ukwenza oku kwiminyaka engama-40, phakathi kweminyaka engama-25 no-65, kwaye akuzange nanini, ngexesha lonke, ujonge ukuphakanyiswa okubalulekileyo. Ukwahluleka ukukhuthazwa. Ulibala malunga nokulungiswa kwemigangatho yakho yokunyuka kwamaxabiso .
Uya kwenzeka njani? Ukungahoyi naziphi na ezinye izinto ozifumene ebomini-ukulinganisa ikhaya lakho, i-akhawunti yokulondoloza, iimoto, utyalo-mali lwakho kwi- akhawunti ye-brokerage , i-annuities, amabhizinisi owaqalile; ukungahoyi konke-i-401 yakho (k) ibhalansi yodwa iya kuba ne-$ 4,426,000 ukuya phezulu. Uya kuba nesinye isithuba seminyaka emibini okanye kunjalo kwixesha lokuphila ukuze ujabulele imali. Ngaphandle koko, ukuba unokwakhela enye ingcebo endleleni, ungazama ukuxhoma kwi-401 (k) isilondolozi ngokusebenzisa i- Rollover IRA ixesha elide ukwenzela ukuba abantwana bakho, abazukulu babo, okanye intandokazi bayiphelile ngokuphindwe kathathu okanye isixa njengoko saqhubeka sikhula. Emva koko, banokwandisa iintlawulo zerhafu ekufeni kwakho usebenzisa i- IRA enefa .
Zonke zivela kwi-$ 5,760 kuphela yokulondolozwa kwe-pocket-pocket ngonyaka. Kwakungekho ngaphantsi kwe-$ 111 kwikhokheji nganye yeveki nganye. Musa ukuyidelela usuku lokuqala encinane. Ndiyazi ukuba mhlawumbi unjengoko uhamba ngokukhawuleza ukuba uphumelele kwikholeji kwaye zonke izinto zithatha ixesha. Enye yazo. Linda.
Isizathu Esithile Abanye abatyalo-mali bahluleka ukwakha ubutyebi ngale ndlela
Njengoko iUnited States idlulile kwinkqubo esekelwe phantsi yomhlalaphantsi apho bonke abasebenzi bephela ngokugqithiseleyo kunye neenzuzo ezifanayo kumhlala-phantsi njengokuba naye uhlala ekhangelelanisa nendlela ozenzayo ngayo apho izibalo eziphathekayo, kunye neengxaki zengqondo, zingahlawulela Imali engakumbi ngokwemali eyenziwa yintsebenzo yemisebenzi (izigqibo ezintle, kungakhathaliseki ukuba zincinci, zingabangela ukuhlukahlukana kwemiphumo emininzi kwiminyaka emininzi), abo abangayiqondi imigaqo yenkqubo yotyalo-mali bangenza iimpazamo ezininzi zobuwula.
Enye yezi mpazamo iyaxhalabisa xa i-market market isinciphisa. Ndiya kuba nombono kunye nawe: Kuya kwenzeka . Imarike yemasheya yindlela yokuthengiswa kwendyanti apho abantu bathengayo baza bathengise ubunikazi kumashishini . Abantu abahlali besengqiqo. Ngamanye amaxesha, iimeko zezoqoqosho zenza ukuba bathengise xa bengathandi ukuthengisa. (Khangela u-2008-2009 xa ezinye iinkampani zawa phantsi njengoko abanini bezabelo bezama ukukhusela i-bankruptcy! Uninzi lwabantu kunye namaziko bayazi ukuba babanike ubunini babo kodwa babengenayo ikhethelo ukuba bafuna ukuphepha ukufumana ifenitshala efakwa kwakhona.)
Utyalomali-mali uWarren Buffett kunye nomlingani wakhe wezoshishino, uCharlie Munger, bahlala bethetha ngendlela ababukele ngayo inani elicatshulwayo labelo lazo zeBerkshire Hathaway , zibonakala zingekho isizathu, i-peak-to-pit, ngama-50 ekhulwini okanye ngaphezulu ubuncinane kathathu ebomini babo; isiqingatha saloo mveliso eselungileyo satshitshiswa ngexesha elincinci nangona i-shishini elingaphantsi kwaloo nto yayingenayo imali engaphezulu kunanini ngaphambili. Ndibhale ngolu hlobo kwiblogi yam ibhodi ezimbalwa.
Ngokomzekelo, kwakukho ngeveki enye kwiminyaka yee-1980 xa umnini wezona zinto zenzele ukutshala imali kwixesha elide emlandweni, uPepsiCo, wabona iipesenti ezingama-35 zokutyalomali kwakhe zanyamalala kwimiba yeeyure. Ngokufanayo, kwakunexesha leminyaka emine phakathi ko-2005 no-2009 xa abanikazi be-Hershey Inkampani babone ukuhla kwe-investments kwiphepha ngamaphesenti angaphezu kwama-50 nangona i-chocolate zithengiswa, ngokuqhelekileyo, kwaye izabelo zanda. Ukuba awukwazi ukucinga ngamasheya okanye iifom zenkcazo ezibamba ezo zitshixo-kwaye uqonde ukuba nje ukuba imarike yehlile, ithi, ipesenti ezingama-25, akuthethi ukuba ulahlekelwe ngamaphesenti ama-25 akho phantsi kwamandla akho okufumana imali, umele ukuba akukho ithuba lokonwabela olu hlobo lwesiphumo. Uyakwenza into oyisiphukuphuku.
Isiluleko sam? Phonsa ithawula uze ukhethe elinye iklasi ye-asethi evumelana neziphoso zakho . Akukho ntloni ngokunyaniseka nawe. Ndikuxelela oku kuba ndifuna ukuba uphumelele. Andifuni ukuba ulahlekelwe ubuthongo okanye unyuse uxinzelelo lwegazi. Ukuba ungumhlobo womntu ongekho ngokomgaqo-siseko onokuxhotyiswa ukuba anike amanani, ke ungabi namalungelo. Yamkela into ongenakufanelwa nembuyiselo ephakamileyo abayiphatha ixesha elide ixesha kwaye baneliseke ngalo. Oku kufanele kube ngokucacileyo kodwa akubonakali ukuba kwenzeka kwabanye abantu. Yintoni enye? I-Guzzle antacid kwaye ulahlekelwa yizinwele zakho ekukhathazeni? Kutheni uhlala ngaloo ndlela? Ubomi bufutshane kangangokuba ungazenzeli ngolo hlobo lwentlungu.
Ezinye Izinto Ongayenza Ukwakha Ubutyebi Emva kweKholeji
Izigidigidi ezizimeleyo (ezithetha ngokumalunga nama-millionaire e-United States, njengokuba kuqikelelwe kakhulu, isisityebi sokuqala esiye sakha i-fortune yayo ibandakanya ama-80 ukuya kuma-90 kuwo onke ama-100 kwiqela eli-7). Nangona umendo wonk 'ubani uhlukile, kunokunceda ukwazi indlela abanye abenza ngayo.
- Umzi wemizi oqhelekileyo eUnited States ukhululeke kakhulu ukuba atshate, kwaye ahlale esatshatileyo, kunekhaya eliqhelekileyo. Akuyinto yokunyanisela ukuthetha ukuba imishoni yomtshato iyisimboli yesimo esitsha seklasi. Ulwahlulo lwezantlukwano luphantsi kakhulu phakathi kwezigidi ezixhatshalisiweyo kunye noluntu jikelele. Ufumene zonke ezoqoqosho ezintle zexabiso (ukuhlawula indlu enye, iindleko eziphantsi kweyunithi xa uthengisa ukutya, njl.) Ezidibanisa ukuya kumazinga aphezulu okuhamba kwemali ngokukhawuleza kunye neyonke idola yengeniso. Unokukwazi nokukhupha iintlekele zezoqoqosho njengoko kukho abantu ababini abanakho ukujoyina abasebenzi okanye ukuthatha imisebenzi eyongezelelweyo. Ukuba unomlingane wemvelaphi yemfundo efanayo efanayo naye obenomsebenzi njengento eqhelekileyo esikunike yona kwimeko, ingeniso yakho ehlangeneyo iya kukubeka kwi-1/5 yeentsapho eziphezulu kwaye ube lula ukuba izigidigidi nje ngokuba ukhona, ngamazwi akhulunywe ngaye ngaphambili uCharlie Munger, "ahlale engacwengekanga". Ixesha liphakamisa kakhulu. Yaye khumbula ukuba sithintela umlinganiselo wakho womvuzo kwabanye abaphathi kwizikhundla ezifanayo ngama-20 ekhulwini ngenxa ye-conservatism!
- Susa imikhwa emibi kunye neemeko ezichitha imali yakho kwaye zisongela impilo yakho. Izigidi zininzi kakhulu kunokuba uluntu jikelele lubheme. Izigidi zininzi kakhulu kunokuba uluntu jikelele lukhulu kakhulu. Zonke ezi zinto zenza ukuba ufe omncinci (ixesha elincinci lokuhlanganisa ubuncwane bakho) kunye neendleko ezininzi endleleni ("ukutya okuncinci" okungekho kakubi kuwe okanye ukuchitha amakholori amaninzi kugqiba ukubiza iindleko ezingaphezulu kakhulu kwiindleko zonyango kunanoma yimuphi ulondolozo ocinga ukuba unolonwabo ngelo xesha) kufuneka ukhuselwe kuzo zonke iindleko. Oku kuhambelana ngqo nepotfolio yakho. Kukho ihlaya kumashishini olawulo lwemali eyona nto ebalulekileyo yokufumana ubutyebi kukuhlala ixesha elide. Akuyiyo intloni.
- Funda ikhowudi yentela. Inokuzihlawula ngokwazo ngeendlela ongazange uzicingele. Umfanekiso oshiya abantwana bakho kunye nabazukulu beerandi kwizigidimi kunye nokuba nazo zonke iinjongo ezingenakunikwa zixolelwe ekufeni kwakho. Kuyakwenzeka ukuba usebenza ngokukhawuleza . Khawucinge ukufumana oko kufikelela kwimali-mboleko engenamdla kwi-Treasury yase-US. Kuyakwenzeka ukuba uyazi ukuba ungayifaka njani amatyala ehlawulwayo erhafu kwiimodeli zakho . USam Walton, umsunguli weWal-Mart Stores, wagqiba ukuphepha amashumi amabhiliyoni eerhafu kwerhafu yefa esebenzisa inkampani ebambe iqela elenzayo xa wayeseqhekeza . Wayeqonda indlela yokubhalwa kwemithetho kunye namashumi eminyaka phantsi komgca, ihlawulwe enye yeyona ndlela inkulu yongeniso yerhafu efunyanwa yinoma yiphi intsapho kwimbali. Ukuba udlala ngemithetho, kukho utshintsho oluthile apha kwaye lunokuthi ixabiso elincinci lobuncwane bobutyebi bakho, kunye neentsapho zakho, izandla. Kufanelekile ixesha lakho.
- Qaphela ukuba ubomi ngumlinganiselo weendleko zokurhweba. Izinto zilula kakhulu xa uyamkela ukuba unelungelo lokungazi nto kwaye ukuzivelisa akuyi kuphucula imeko. Umzekelo, ukuba awukwazi ukuhlala kwisixeko esithile xa udibanisa iinjongo zakho zokulondoloza ngexesha elifanayo, phucula ulonwabo lwakho kwaye wenze ukhetho olunolwazi . Kusenokuba yiloo nto ofuna ukuyiva. Kungenakukuvuyisa. Kungcono kunezinye. Inxalenye yobuntu abadala; ukwamkela iziphumo kunye nokuhlela ubomi bakho ngokusekelwe kwinto oxabisa ngayo. Ngamanye amaxesha, awukwazi ukuba nekheke lakho kwaye uyidle, nayo. Jongane ne.
- Cinga ngeendlela zokukhulisa i-pie. Ukuba uthe wakhuliswa kwikhaya elingaphantsi okanye eliphantsi, usenokuba unikwe ingcamango ephosakeleyo yokuba indlela yodwa yokuvelisa ingeniso ukuthengisa ixesha lakho ngemali. Okuthakazelisayo kukuba, akunjalo ukuba iipesenti ezili-1 zezindlu ziziphatha njani. Njengokuba kunjalo, iipesenti eziphezulu zeemakhaya zenza kuphela isiqingatha semali yabo yokuthengisa xa zithengisa ixesha labo. Ikota ivela kumashishini anabo. Olunye ikota livela kutyalo-mali lwabantu, njenge-real estate, amasheya, imali kunye kunye nezinye iziqinisekiso. Kungenzeka ukuba ugqirha weentliziyo kwisixeko sakho uqokelela imali engenayo kwizabelo zikaJohnson & Johnson waqokelela kwiminyaka, kunye nesakhiwo sendawo yokuhlala ayenayo, ahlaziyiweyo, kwaye ahlawulwa emashumi eminyaka edlulileyo. Kwidolophu yakithi, elinye lamagosa aphumelele kakhulu kunokwenzeka ukuba liye liye liphumelele kwimaketan e-ayisikrimu, eyenza imali eyongezelelweyo kwintsapho yakhe ngaphezu kwezinto azibuyisela ekhaya kwiiklayenti zokuthengisa.
- Ininzi ininzi isebenza into eyaziwa ngokuthi "ubutyebi bokungcebeleka", okubandakanya ukugcina izixhobo abazifihlakeleyo imfihlelo kubantwana babo, okukhokelela ekungahambi kakuhle kobutyebi obuzuze njengefa. Ngokudlulileyo, ukungaphumeleli ukulungiselela izindlalifa zokuphatha imali ngokufanelekileyo kungachaza ukuba kutheni malunga nama-9 kwimiba engama-10, yonke imali iya kubakho isizukulwana sesithathu.
- Ukuba awukwazi into oyenzayo, rhoqo kwaye ngonaphakade ujonge ukhonkco nge -index index cost-fund . Ndiza kuphinda ifike iinkomo.
Izibonelelo zokukunceda ukuba uqalise ukuTyala imali kwiCandelo leKholeji yaseKholeji
Ukuze ufunde kabanzi ngezinye zezihloko esizixoxe ngazo, unokufuna ukufunda ezi nqaku:
- Intshayelelo kwi-401 yakho (k) Isicwangciso
- Kutheni iRoth IRA yindawo yokuhlala epheleleyo (kwaye kufuneka mhlawumbi uvule enye namhlanje)
- Ukusebenzisa i-Roth 401 (k) njengeHolo lokuThengisa iRhafu
- Iindlela ezi-3 zokunyusa iSoil Your Savings Savings
- Izinyathelo ezithandathu zokuthatha umhlalaphantsi oTyebi
- Ukusinda nokuPhucula kwiNkqubo yeMbuyiselo yaseMelika
- Zonke ngeMida
Ungakwazi kwakhona ukujonga ibhulo yam yam, apho ndichazele khona amava ngam iminyaka kwaye ndizama ukuphendula kwimimandla eninzi njengokuba ndinako. Ukuba kukho isifundo esisodwa kuphela osikhumbulayo kwimibhalo yam imali, yile: Yenza igama lakho kwiimpahla ezininzi ezinokwenza imali njengoko unako; iimpahla ezilahla imali, ngokukhetha ngokunyuka kwamaxabiso kunyaka ngamnye odlulileyo; imali ezayo xa ulala, ngelixa uhlala eholide kunye nosapho lwakho, ngelixa ufunda incwadi okanye udlala umdlalo wevidiyo. Oko, ngokucacileyo, isisitshixo sokuzimela kwemali .
Ungaphinda ufune ukufunda incwadi endiyibhalele kumfundi wekholeji malunga nendlela yokuphumelela, ukuvuya, nokuzaliseka ebomini.