Intsanqa encinci kunye nenkxaso eninzi yokonga.
1. Gcina njengoko Unako, ngokukhawuleza njengoko Unakho
Kwi-website yakhe ye-Early Retirement Extreme, uYakobi uchaza indlela azuze ngayo ukuzimela kwemali kwiminyaka emihlanu ngokuthatha amanyathelo angqongqo.
Wawusindisa malunga ne-75% yengeniso yakhe ngokukhetha indlela yokuphila echaphazelekayo kuphela ukuchitha imali kwiimfuno ezingenanto. Umgca ongundoqo kukuba uzimisele ukwenza okubambalwa abanye abantu abakulungele ukuyenza kwiminyaka embalwa (gcina i-75% yezinto ozenzayo), unokufumana into enokuthi abanye bayayifumana (ukuzimela ngokwezimali ngexesha eliselula ).
Ukongezelela ukugcina imali eninzi, kukho ezinye izinto ezincinci ukucinga ukuba ufuna ukuhlala phantsi ngowama-50. Ngokomzekelo, ukukhutshwa kwe-inshorensi yezempilo kunokubiza kakhulu ngaphambi kokuba ufike kwi- Medicare yobudala . Ngaba ubeke uhlahlo lwabiwo? Ngaba uye wacinga malunga nento oya kuyenza ngexesha lakho kwaye ukuba iinqwelo zakho ezifunwayo zithetha ukuba uza kuzuza iindleko ezingaphezulu? Abanye abantu banomdla wokuthatha umhlalaphantsi obiza iindleko ezingakumbi, ngelixa abanye bafuna ukuchitha ixesha ukupheka ekhaya nokulima, oku kunokunciphisa iindleko. Kwakhona kufuneka uqaphele ukuba unokuphila kude kube ngu-90, oko kuthetha ukuba ukulondoloza kwakho kunye notyalo-mali kunokufuna ukubhala iminyaka emine okanye ngaphezulu.
Ukuze uqiniseke ukuba imali yakho ihlala, kuya kufuneka uphephe iimpazamo zangaphambili zokuthatha umhlala-phantsi ezifana nokuchitha imali ngokukhawuleza okanye ukuxhomekeka kwimilinganiselo yokubuyisela engafanelekanga okanye ezinye izinto ezingekho phantsi kolawulo lwakho. Awukwazi ukubala kwi-market fair market ukuze wenze umsebenzi wokuthatha umhlalaphantsi kwangaphambili.
2. Fumana uLucky
Abanye abantu bayakwazi ukuthatha umhlala-phantsi kwi-50 kuba bafumana inhlanhla-ubuncinane ke indlela ekhangeleka ngayo ngaphandle. Mhlawumbi bawine iLotter okanye bafumane ilifa elikhulu. Kuthatha ngaphezu kweenhlanzi, nangona kunjalo. Khumbula xa usencinane kwaye wacinga ukuba "ukuba ngaba ndinezigidigidi zeedola, ndiza kusekwa." Akusebenzi ngale ndlela. Nangona ufumana inhlanhla, kufuneka uhlakaniphe uze wenze isicwangciso. Uninzi lwabantu luya kwimali, kwaye emva kweminyaka embalwa bafumanisa ukuba baphula kwakhona. Ukuba ufumana inhlanhla, yenza isicwangciso sotyalo - mali ukukunceda uqonde iinjongo kunye neenjongo ezicacileyo.
Uya kufuna kwakhona ukufunda okuninzi malunga nokutyalomali . Akudingeki ukuba ube yingcali, kodwa ukuba ufumanisa ukuqonda kwezinto ezisiseko zokutyalomali , awunakwenzeka ukuba uwele phantsi. Kukho njalo umntu oza apho ezama ukukuhlula kwimali yakho. Ubungqina obuthile bokungathembeki oluhle, kwaye ukufundisa ngokwakho kubhetele.
Ngokubanzi, ukuba ndiyicinga ngokuthatha umhlala-phantsi kuma-50, andizange ndibale inhlanhla. Ndingathanda ukugcina ngokukhawuleza ngokukhawuleza njengoko kunokwenzeka njengoko kuchaziwe ngasentla, okanye ndiza kugxila kwiindlela zokusebenzisa am i-smarts ukwenza ipropati yengqondo, njengoko ichazwe ngezantsi.
3. Yenza into enenzuzo
Uyakwazi ukusungula into ethile, ukhule kwaye uthengise ishishini, okanye wenze ipropati yengqondo njengoluhlu lweencwadi, iincwadi zokufundisa okanye amalungelo.
Ukuze oku kusebenze, kuthatha inhlanganisela yobuchule, ubuchule, ubuqili bezoshishino kunye nenhlanhla. Ukuba unabali ukuthetha, italente engavamile okanye eyingqayizivele, okanye ulwazi olukhethekileyo kwintsimi yakho, jonga iindlela zokwenza ingeniso rhoqo kwibu buchule okanye ubuchule. Cinga ngako, u-Justin Bieber wenza loo nto. Kutheni wena?
Khangela iintlobo ezahlukeneyo zepropati yengqondo ukunika ingcamango yoluphi uhlobo lomsebenzi onokukwazi ukuwubhalisela umgaqo-copyright, uphawu lokuthengisa okanye ilungelo lobunikazi. Ungaphinda uqhube ngeendlela zokuthengisa, ukuthengisa, kunye neelayisenisi ezahlukeneyo ongazenzayo.
Kungakhathaliseki ukuba yiyiphi indlela oya kuyithatha, ukuba ufuna ukuhlala phantsi ngowama-50 uya kuthatha uqeqesho kunye nokuzibophelela ngokupheleleyo kwiinjongo.
Yintoni Ukuthatha Umhlala-phantsi Ngama-50 Ngokwenene Kuwe?
Kwabanye abantu bashiya umhlala-phantsi wabo, kodwa akuthethi ukuba asisebenzi.
Mhlawumbi ufuna ukuyeka umhlalaphantsi ngenxa yokuba ungumsebenzi ongafanelekanga, okanye unomphathi ongeke ukwazi ukuma. Umsebenzi othile okanye indawo entsha ingatshintsha ngokupheleleyo indlela ojonga ngayo. Okanye mhlawumbi u shishino. Ukuba unayo ibhizinisi lakho kwi-50 ngaba uya kufeza injongo yakho?
Ukuba oko ufuna ngokwenene kukuzimela ngaphandle komphathi okanye umqeshi, unokujonga ukuqala ishishini lokubonisana okanye uqalise uphando kumashishini amancinci ahlukeneyo ongaqala ngawo. Oku kuthatha ukucwangcisa, ixesha, kwaye ngamanye amaxesha kuthatha inkunzi ukutshala imali, kodwa inokukunika ukuzimela ozifunayo ngelixa ulungele ukufumana imali engenayo.