Ukujonga iNdleko yeNtlawulo
Oko kukuthi, intlawulo oye uyihlawulela ukwenza nantoni na oyenzile yayiyimathuba ongeke ujabule.
Ukuba ngaba uphumelele ebomini kuxhomekeke ngokupheleleyo malunga nendlela olawula ngayo eyakho, iindleko zomntu siqu. Kuthekani ukuba uJulia Child wayengakaqali ukupheka kwiminyaka eyi-37? Kuthekani ukuba uSam Walton wayengazange aqalise izitolo zeWal-Mart kwiminyaka engama-44 ubudala? Kuthekani ukuba uWarren Buffett wayephulaphule uyise, uWoward Graham, kunye nomcebisi wakhe, uBenjamin Graham, kwaye engazange asebenze kwishishini lotyalo-mali? Iindleko zithuba ngalinye kwizo zigqibo zaziya kuphazamisa, ngokuphindaphindiweyo. Ngulo hlobo lobomi. Njengoko i-CEO yexesha lakho apha eMhlabeni, kufuneka unqume indlela yokulawula iindleko zakho. Ngaba uya esikolweni sobugcisa okanye ube ngugqirha? Ngaba utyalomali kwi-hi-tech ukuqalisa abahlobo bakho badibanisa okanye bazibethe wena?
Iindleko zithuba likujikelezile.
Ngaba uya kwindawo yokuzivocavoca okanye udla ikhukhi? Faka isicelo kulo mshishino owuthandayo okanye unamathele entsimini apho ukhululekile khona? Kodwa kubaluleke ngakumbi kwiimali zakho. Iyakwazi ukungaqapheli kuba umntu oqhelekileyo akazi ukuba namandla okomdaka nomdla kunye neziphumo ezincinci ezinokuthi zibe nazo apho ekugqibeleni ugqibela ekuhambeni kobutyebi.
Ikhofi enye ye-$ 4 evela kwi-Starbucks inotyalwe kwi-10% kwiminyaka engama-50 i-$ 470 ngokwenene. Isidlo sama-9 seesidlo sinemali eyi-1,057 yeyona mali ezayo. Yingakho ndabhala, Uchitha imali yezigidi zakho $ 1 Ngexesha . Kuyo, unokufunda ifom eyodwa esisisiseko eya kukunceda ukubala ixabiso lentengo enye, isamba semali.
Uninzi owaziyo, Okungakumbi Unako Ukukhusela Iimpazamo zeendleko zeMathuba
Ulwazi lunamandla. Okwaziyo ngokuphathelele indawo enikwe, njengokutshala imali kwiimpahla , ukutyalomali kwizibophelelo , okanye ukutyalomali kwi-estate , ezona zikhetho. Eminye inketho onayo, bhetele amathuba okufumana ixabiso elifanelekileyo lokubuyela kwimali yakho. Oko kuthetha ukuphila ngokukhululekile kwintsapho yakho, uxinzelelo lwezezimali, kunye nenkululeko yokulandela izinto ozifunayo ngaphandle kokujonga ixabiso lentengo.
Ukungenzi Nento inamathuba abo
Isilumkiso esikhulu kunazo zonke ndiza kukhupha abatshali-mali abatsha, ngakumbi abatyala-mali abatsha, kukuba ukwenza into, ngokwayo, ukhetho. Oko kuthetha ukuba ineendleko zithuba. Ngokungasebenzisi imali xa unethuba, ubuncwane obunokuqhaqhaqhaqhaqha. Makhe sijonge imizekelo embalwa kunye nemiba.
- UJohn uneminyaka eyi-18 ubudala. Ufumana umsebenzi emva kwesikolo kwaye uvule iRoth IRA . Uyasindisa i-5,000 $ ngonyaka kwaye uqhubeka ekwenza oko ade aphendule iminyaka engama-70 ubudala. Ulinganise ngokugqibeleleyo, utshintshisayo kwiimali eziphantsi kweendleko zeendleko, i-dollar indleko, uhlawulela izabelo zakhe, kwaye ufumana ukubuyiswa okufanayo kwiimarike zenzeke kwixesha elidlulileyo leminyaka okanye ezimbini-ubuncinane kwi-10% ngaphambi kokuhlawula irhafu kunye nokunyuka kwamaxabiso. Ngenxa yoko, iphelela nge-$ 7,000,000 engaphezulu kweengxowa-mali.
- UAdam uneminyaka eyi-18 ubudala. Ufumana emva komsebenzi wesikolo kodwa akalondolozi nto. Ulinde ade aneminyaka engama-30 ubudala, apho, uvula uluhlu lweakhawunti yomhlala-phantsi kwaye usindisa i-$ 5,000 ngonyaka. Nguye kuphela ama-60,000 wama-60 kwiimali ezipheleleyo emva kukaJohane, kwaye uneminyaka engama-40 ukuya ngaphambi kokuba aphendukele kuma-70, ngoko ufanisa ukuba akubi kakhulu. Xa efika kumhlala-phantsi, kunjalo, unama-2 200,000 kuphela. Ukulahleka kwee-60,000 zeeRandi kwaba ngu-4,800,000 canyon.
Enyanisweni, ngokuqala ngo-30, uAdam uza kufuneka agcine imali engama-16 000 e-$ ngonyaka ngonyaka njengoko uJohn waqhubeka esindisa ama-$ 5,000 kuphela ngonyaka ukuze ahlukane noYohane. Iindleko zexesha lokubethelela ingeniso yakhe njengomntu omdala osemdala waba nemiphumo emibi emva koko ebomini. Oko kulungile, ukuba uAdam wacinga ngezo zigqibo kwaye wagqiba kwelokuba wayefuna .
Uninzi lwabantu alukwazi. Le ngxaki. Yingakho ndifuna ukuba ube neendleko zokufumana ithuba lokuphila ubomi obuhle kakhulu.