Esinye isinye isini seGender esiyiNtengo yeTyhini yemali (kunye nendlela yokuyivala)

Uvile nge- gap yokuhlawula isini- uyazi, ukuba izibalo ezithandekayo ukuba amabhinqa athabatha iikopi ezingama-78 kuwo wonke amadola ayenziwa ngumntu? Kuphazamisekile ukuba usebenze nzima, nokuba kungenzima, kunomnye umntu, kuphela ukufumana ngaphantsi kunako. Kodwa kukho into eyenziwa ngabasetyhini, kwaye ibambelela ekufinyeleleni iinjongo zabo zemali .

Into ethile ityalomali. Kwaye le "gap ye-investing gap" yinto ebhinqileyo abayifunayo.

Ngoku, kulula ukuva ngathi ukutyalo-mali kungenye enye ingqungquthela, iklabhu yebhola yamakhwenkwe emidala enemikhono embi. Kodwa inyaniso yolu mbandela kukuba ehlabathini lokutshala imali, ngaba ngokwenene abafazi babonakaliswe banamandla. Bamele bafumane ngaphezu kwesithintelo esikhulu esikhulu: Ukuqala.

Umntu olahlekileyo

Yabona, enkulu impazamo yokutyalo-mali eyenziwa ngabasetyhini ayikho-shishini, ukuxhalabisa ngexesha lokunyuka kweemarike, ukuzithemba ngokweqile, okanye nayiphina impazamo eyenza ukunyuka kwamatyala. Kunoko, ingxaki yabo eyintloko ayifuni ukutyalo imali. Kuzo zonke iimpahla ezilawulwa ngabasetyhini, iipesenti ezingama-71 zezo zinto zihlala nje ngekheshi (ngokuthelekisa, amadoda ahlala malunga neepesenti ezingama-60 zeempahla zawo ngemali). Akukhona nje ukuba loo mali ayilahlekanga ekubuyiseni okuvela kwimarike, kodwa iyancipha ngokubalulekayo ngenxa yexabiso lentengo. Unokuyibulala emsebenzini wakho, kodwa nje ukwenza imali akwanele-kufuneka kwakhona wenze imali yakho isebenze, kwaye akunakwenzeka ukuba awuyi kutyalomali kwiimarike.

Nantsi imbono ebonakalayo: Ukuba wenza i-$ 85,000, gcina ipesenti ezingama-20, kodwa ke ubeke imali yakho kwi-akhawunti yokugcina imali ngaphandle kweemarike, unokulahlekelwa yi-$ 1.1 yezigidi okanye ngaphezulu kwiminyaka engama-40 ezayo. ¹ Nantsi indlela enokufutshane yokucinga ngayo: ukuba wenza i-$ 85K ngonyaka, faka iipesenti ezingama-20 ebhankini, ulinde iminyaka eli-10 ukuba utyalomali, unokulahlekelwa ngama-dollar 100 ngosuku ngalunye. ² Imali yakho ibe neyona nkalo ebalulekileyo yeFOMO okwangoku, kwaye lixesha owenza okuthile ngalo.

Iindaba ezilungileyo malunga ne-gap yokutyalwa kwezesini kukuba siyakwazi ukuwuvala. Ukutshala imali kukunceda usebenze kwizinto ezibaluleke kakhulu kuwe, nokuba ngaba uhambo lokuphila okanye uhlala kuminyaka engama-50. Ku-Ellevest, senze iikopi zeeyure zovavanyo ukuze siqonde ukuba iinjongo zemali zabesifazane zibukeka njani, kwaye zidala izicwangciso efanelekileyo iinjongo. Kwaye utyalo-mali luhlala luyinxalenye ebalulekileyo yalezo zicwangciso.

Kuthetha, utyalo-mali, nangona kunjalo, nabantu abaninzi banempendulo efanayo: Kungenzeka njani ukuba into enobungozi njengokutshala imali kwimarike yemasheya inceda umntu ukuba asebenze ekuphumezeni ikusasa lemali elizinzile? Kubonakala ukuba sinomkhuba wokubakhokelela ekungciphekweni kokutyalomali, okusivimbela ukuba singathathi inyathelo elifanelekileyo lokutshala imali. Ihlazo, ngokwenene, ngokuba uphando lubonisa ukuba abafazi basencineni abatyalo-mali kunamadoda-kwaye into yokugqibela ofuna ukuyenza uyishiye kubafana ukuba baphathe (kungakhathaliseki ukuba uyazivakalisa kangakanani ngeembuyekezo zakhe ezimangalisayo). Umele ube ngumphathi wakho.

[1] Umthombo: Gxininisa i-Gap-I- Publishing Pub , 4.2

[2] Umthombo: Gxininisa i-Gap-I- Publishing Pub , 4.3

Ndiyaqalisa

Umbuzo omnye ndiwuvayo kakhulu kukuba, "Hayi, ndiqala kuphi?" Landela la maphulo angama-9 ukuze uqale ukuvala i-gap yokutyalwa kwesini ngokufanelekileyo:

1. Ukuhlawula ityala lekhadi lesikweletu. Le nyathelo eliqinileyo kodwa eliyimfuneko eliyimfuneko - nakwiimarike zeenkomo, ukubuyela kwakho kwimarike yemasheya akunakwenzeka ukuba ungene kwi-akhawunti yekhadi lesikweletu, ngoko ke yenza ingqiqo yemali ukubeka imali yakho kuqala.
2. Ngaba unamanye amatyala, njengemali-mboleko yomfundi? Yihlawule okanye uyihlaziye ukuba inayo inqanaba lesenzalo ezimbini.
3. Fumana le ngxowa-mali yongxamiseko. Unokwenza kwi-akhawunti yakho yokutshekisha, kodwa i-akhawunti yokulondoloza eyahlukeneyo nayo ingcamango enkulu. Beka iinyanga ezintathu ukuya kweziyisithandathu ze-home pay pay yakho apha. Ngaloo ndlela, awusoze udibanise kwiindleko zakho zokulondoloza iholide nje ukulungisa imoto yakho.
4. Zihlawule! Umgaqo omhle wesityhubela ukulandela xa uhlula umvuzo wakho yi: iipesenti ezingama-50 kwiimfuno / iipesenti ezingama-30 ezifunayo / iipesenti ezingama-20 zokutyalomali. Ngoku kuya kufuneka ube yinto ephambili ekutyala imali. Khangela into endiyenzayo apho?

1. Fumana u-401 (k) umdlalo ukuba umqeshi wakho uyinikela. Ukungasayina kumdlalo kufana nokuthi hayi ukukhulula imali. Akukho mntu ufuna ukuthetha ukuba hayi ukukhulula imali.
2. Unomdlalo? Ngoku sekuyisikhathi sokufumana i-IRA. Kukho iinketho ezimbalwa ze-IRA ngaphandle apho, ngoko thabatha ixesha lokufumana okulungileyo kuwe.
3. Khangela i-akhawunti yangaphandle ye-brokerage. Kufuneka uqwalasele oku kuphela ukuba udibanise iakhawunti yakho yomhlalaphantsi, nangona kunjalo.
4. Xa usenzile oko, lixesha lokucinga malunga nendlela yokutshala imali yakho. Uvile ngezitokhwe kunye nezibophelelo, ngokuqinisekileyo, kodwa ungayeki yonke imali yakho ebhodweni elinye. Kanye njengento eyahlukileyo yinto enhle kwindawo yokusebenzela, yinto enhle kwipotifoliyo (yingakho iSavevest inikeza uluhlu olubanzi lwee-ETF ezizimeleyo).
5. Qhubeka u ngumphathi. Musa ukuzithengisa emfutshane kwindawo yokusebenzela, ubuhlobo bakho, kwaye njengomphathi wakho wemali. Uyazi into oyifunayo, ngoko uya kuwufumana.

Khumbula: akudingeki ukuba wazi yonke into malunga nokutyalomali ukuba ube necebo lokucwangcisa imali. Ndidibana nabasetyhini abaninzi abacinga ukuba bafuna ukuthatha iklasi yobusuku okanye bafunde incwadi yephepha le-500 ngaphambi kokuqalisa ukutshala imali. Inyaniso kukuba, sonke sinokusebenzisa imfundo emininzi yemali, kodwa abafana bathambekele phambili kwaye batyala imali-njalonjalo, ngelixa abafazi belibeka kude bave ngathi baziva kakuhle. Kodwa akuyinto eyinkimbinkimbi njengoko sikwenza ukuba ibe. Kukho iinketho zokutshala imali kwabanye abafazi .

Njengoko siqala ukucela ukukhushulwa kunye nemfuno ephakamisayo, kunjalo nathi kufuneka senze utyalo-mali oluphambili. "Ixesha elizayo" liya kukubulela ngalo, kwaye mhlawumbi likuthumele i-tai tai ukugubha.

U-Sallie Krawcheck ngu-CEO kunye noMququzeleli we-Ellevest, isicwangciso-mali esisetyenzisiweyo se-digital investment fund. UnguSihlalo we-Ellevate Network kunye ne-Pax Ellevate ye-Global Women's Index Index, kunye nomlobi othengisa kakhulu we-Own It: Amandla wabasetyhini emsebenzini.

Ukwaziswa

Iingxelo eziqulethwe apha ziyizimvo zika-Ellevest. Zonke iimbono kunye nembono ziquka izigwebo zethu njengosuku lokubhala kwaye ziya kutshintshwa nanini na ngaphandle kwesaziso.

Iziphumo zemiphumela eyahlukeneyo yotyalo-mali ziyinto ebonakalayo, ayibonakali iziphumo zonyalo-mali, kwaye aziqinisekisi ngeziphumo ezizayo. Ulwazi lufunyenwe kwimithombo yomntu wesithathu, esiyakholelwa ukuba iyathembeka kodwa ayiqinisekanga ngokuchaneka okanye ukugqiba. Ulwazi olunikeziweyo alufanele luthembele njengengcebiso-mali okanye iinconywa, akuyi kubongoza ukuba kuthenge okanye kuthengise amasheya kwaye akufanele kuthathelwe ingqwalasela ethile yomthetho, utyalo-mali okanye irhafu.

Ulwazi olunikeziwe aluqwalaselanga iinjongo ezithile, imeko yezemali okanye iimfuno ezithile zomntu othile. Ukuchithwa akuqinisekisi ukuba inzuzo okanye ukukhusela ekulahlekeni kwintengiso. Akukho siqinisekiso sokuba nayiphi na i-asethi eyabelwe okanye ukuxutywa kwemali iya kufeza iinjongo zakho zophuhliso okanye kukunikeze ngenqanaba lemali engenayo. Ukutshala imali kubandakanya umngcipheko kubandakanya ukulahlekelwa kwinqununu kwaye akukho siqinisekiso sokuba utyalo-mali uza kunika ukusebenza kakuhle kwixesha elithile.