Ndiyaqalisa
Makhe sicinge ukuba unayo i-$ 0 kwiakhawunti yakho yotyalomali ngoku. Awunayo ityala, kodwa awugcinanga nantoni na, nokuba. Masicinge ukuba ubeke utyalo-mali lwakho kwi-akhawunti echazwe ngerhafu, efana ne -401 (k) .
Masicinge kwakhona ukuba utyalo-mali lwakho, ngaphezu kwexesha elide, luya kukhula ngezinga elilinganiselweyo lalingama-7 ekhulwini. (Umtsalane wokutshala imali uWarren Buffet uxela ukuba ukubuyela kwexesha elide eliqhelekileyo lemali yesitokisi yase-US kwiminyaka-ntsuku ye-21 kuya kuma-20 kuya kuba ngama-7 ekhulwini.)
Khumbula: eli lixesha elide kakhulu, elide elide-phezu kwexesha elingama-20 okanye ngaphezulu. Kunyaka nawuphi na unyaka owenziweyo, utyalo-mali lwakho luya kuphakanyiswa okanye luhla. Musa ukugxila kwikota elifutshane. Omnye unyaka-okanye iminyaka emithathu, okanye iminyaka emihlanu-inqanaba elincinci xa uthetha ngepottoliyo yokuphila.
Ngaloo mivo emithathu engqondweni - uqala kwi-$ 0, utyalo-mali kwi -akhawunti echazwe ngerhafu , kwaye uza kufumana iipesenti ezi-7 zibuya emva kwexesha elide. Makhe sijonge ukuba kufuneka utyalomali kangakanani ukudala i-portfolio ye-$ 1 yezigidi.
IMathematika yokuba yiMillionaire
- Ukuba Ugcina: $ 100 ngenyanga
- Uza kuba nguMgidi- minyaka-58 kunye neenyanga ezintandathu. Lexesha elide - ukuba uneminyaka engama-25 ngoku, uya kuba ngu-83 ngelixa uli-million-ke ngoko ndincoma ukugcina ngaphezulu.
- Ukuba Ugcina: $ 200 ngenyanga
- Uya kuba yi-Millionaire In - iminyaka engama-48 kunye neenyanga ezili-10. Phawula indlela ukugcina imali engaphezulu kwama-$ 100 ngenyanga (i-$ 200 / mo esikhundleni se-$ 100 / mo) igawula iminyaka elishumi kwixesha elithatha ukuba ube ngumgidi-mali.
- Ukuba Ugcina: $ 400 ngenyanga
- Uya kuba ngumvuzo wezigidi ezingama-39 kunye neenyanga ezi-4. Oku kuthetha ukuba uneminyaka engama-25 ngoku, uya kuba ngumgidi-mali eneminyaka engama-64 - ngexesha lokuthatha umhlalaphantsi.
- Ukuba Ugcina: $ 750 ngenyanga
- Uya kuba nguMgidi-mali kwiminyaka engama-31, ngenyanga 1. Ukuba uneminyaka engama-25 ngoku, uya kuba ngumgidi-mali eneminyaka engama-56. Ngaba umntu uthi " umhlalaphantsi kwangaphambili ?"
- Ukuba Ugcina: i-$ 1,000 ngenyanga
- Uya kuba nguMgidi- minyaka-27 kunye neenyanga ezintandathu. Ukuba unomntwana namhlanje, uya kuba ngumgidi-mali ngelixa udanisa emtshatweni womntwana wakho - okanye mhlawumbi ngexesha lokuzalwa komzukulwana wakho.
- Ukuba Ugcina: i-$ 1,500 ngenyanga
- Uya kuba yi-Millioneire kwi- 22 iminyaka kunye neenyanga ezili-9. Yeyiphi intuthuko enkulu kwi "minyaka engama-58" esiyicaphula kwi-100% / ngenyanga yokugcina imali!
- Ukuba Ugcina: $ 2,000 ngenyanga
- Uya kuba yi-Millionaire Kwi- 19 kunye neenyanga ezi-7. Unomntwana namhlanje, kwaye uya kuba ngumgidigidi xa ekholeji.
- Ukuba Ugcina: $ 2,500 ngenyanga
- Uya kuba ngumvuzo wezigidi ezili-17 kunye neenyanga ezi-3. Unomntwana namhlanje, kwaye uya kuba ngumgidigidi ngaphambi kokuba umntwana wakho aphume endlwini. Ukuba uneminyaka eyi-25 ubudala, uya kuba ngumgidi-mali nge minyaka engama-42.
Ngaba ufuna ukubala zakho izibalo? Kukho ezininzi zokubala kwi-intanethi kunokukunceda.
Ndingayigcina Njani Imali Eninzi?
Ndicinga ukuba umbuzo wakho olandelayo ungumgama othi "Ndingathini na emhlabeni ukuba ndisindise i-$ 2,500 ngenyanga?"
Ndiyakubilisa impendulo phantsi kwamagama amane: Fumana ngaphezulu.
Sebenzisa imali encinane. Nazi ezinye izixhobo zokukunceda ukuba ufumane ngaphezulu:
- Iindlela ezili-14 zokufumana imali kwi-Side - ngaphandle kokuyeka umsebenzi wakho wosuku
- Amashishini Amancinci Ungaqala Ngakuphi
Nazi ezinye izixhobo ezikunceda ukuchitha ngaphantsi:
- Iphepha lokusebenzela elisebenzayo elinceda ukuba uqonde oko uchithayo
- Iingcebiso malunga nendlela yokugcina kwivenkile.
- Funda ukucima imali "yokuzonwabisa" kunye nale bhasi yebhajethi ezili-10 abaninzi abantu abaphosakeleyo njengoko kuyimfuneko.
Inqaku lokugqibela
Ukuba umqeshi wakho unika u-401 (k) umdlalo, usebenzise ngokupheleleyo. Ngaphandle koko, ushiya "imali yamahhala" ehleli etafileni.
Ngaphandle koko, ukuba umqeshi wakho akanikeli u-401 (k) nomdlalo, okanye ukuba usebenza ngokuzimeleyo (njengokuba ndim), thatha iinqongo uze uqale utyalole imali yakho yokuhlawula kwii-akhawunti ezinokwenziwa kwentlawulo njenge-Traditional and Roth IRAs kunye Umntu 401 (k) ngamnye.
Khumbula: ukuba umsebenzi wakho awukunikezi izibonelelo zomhlala phantsi , akusiyo isizathu sokuyeka ukulondoloza. Thatha uxanduva malunga nekamva lakho lemali.