Oko Ukwenza Ukwandisa Iziganeko Zokuphila Ngokukhululekile Ngomhlalaphantsi
Kwakhona, abayi kuze bakhathazeke ngokubeka ukutya etafileni, bekwazi ukufumana imishanguzo yonyango, babe neendawo zokuhlala, okanye bakwazi ukuhlawula izinto ezibonelela ngokuzonwabisa kunye nokuzonwabisa ebomini babo.
Ngumzekelo omangalisayo wezinto ezinokwenzeka xa ucinga ixesha elide kwaye ulungiselele ngokufanelekileyo iindaba zakho zezezimali nguAnn Scheiber, ummeli we-IRS osemhlala phantsi owawuhlawula i-fortune, ngo-2016 ukunyuka kwamaxabiso e- dollar ekulungisiweyo, kuya kuxabisa ama-34,380,000 kwi-modern power power ( ngexesha lakufa ngo-1995, ixabiso lemarike lidlula i-$ 22,000,000.
Wenza okokuqala ngexabiso elincinci lokugcina imali kunye nomhlalaphantsi othobekileyo, isakhiwo ngasinye kwisiphothifoliyo sakhe ukusuka kwindlu encinane kwisixeko saseNew York eyayibiza ekhaya. Uyakwazi ukufunda ngenzuzo ye - Anne Scheiber kulo mzekelo uphando kunye nokuphula ezinye zezifundo esinokuzifunda ekuziphatheni kwakhe.
Omnye umzekelo ngu-Ronald Read, owayengumvuzo omncinci osebenza kwiiSears. Xa wafa, kwafunyaniswa ukuba wayeqokelele ngaphezu kwee-8,000,000 zama- blue-chip stocks . Ingeniso yahlulo yayo yayingabalingana abathandathu ngonyaka. Uluhlu luqhubekela phambili kwaye luya phambili, kodwa le ngongoma aba bantu bebangekho ngokugqithiseleyo ngokweengcaphephe okanye inani leeyure abasebenza ngazo.
Kunoko, bawasebenzisa amandla okuhlanganisa, bazinikela ixesha elide ukuba bavumele imali yabo ikhule, ijolise ekunciphiseni umngcipheko, kwaye yaqonda ukuba ekugqibeleni, isabelo sesitokethi asikho nto, kwaye akukho nto engaphantsi, kunokuba ubunini bumnini yoshishino lokwenene; ukuba xa kuziwa ekufumaneni isitokethi, umsebenzi wakho uqobo ukuthenga inzuzo .
Qonda ukuba ixesha liyimali
Isona esibaluleke kakhulu sokuthatha umhlalaphantsi kwisityebi kukuba uqale ukutyalomali ngokukhawuleza kwaye ke, ukuhlala ixesha elide kunokwenzeka. Abasebenzi abaninzi, abanjwe ngenkokhelo ukuze bafumane imali okanye bathengise ukuthenga okukhulu, bazixelele ukuba bangenza ixesha elilahlekileyo ngokwenza iminikelo ephakamileyo kwiminyaka ezayo. Ngelishwa, imali ayisebenzi ngaloo ndlela. Ngombulelo kumandla wenzalo , imali ehlawulweyo namhlanje ineempembelelo ezingahambelaniyo kwinqanaba lakho lobutyebi ngexesha lomhlalaphantsi.
Ukubeka lo mbandela ngendlela efanelekileyo, cinga ngeembono ezimbini; Bobabini bacinga ukuba utyalo-mali wethu uthabatha umhlala-phantsi wama-65 kwaye unomdla wonyaka owandisiweyo wokubuyiswa kwe-10%, ngokuqhelekileyo uthathwa njengesiqhelo kunye nokwanelisayo kumalungelo kwixesha elide.
UJohn uneminyaka engama-40 ubudala kwaye usondeza i-$ 20,000 ngonyaka ngomhlalaphantsi. UCharlotte uneminyaka engama-21 ubudala kwaye uthengisa i-$ 5,000 ngonyaka ngomhlalaphantsi. Ngethuba ngalinye lala bantu bathatha umhlalaphantsi, baya kutyalwa imali engama-400,000 kunye ne-220,000 ngokwemigangatho. Nangona kunjalo, ngenxa yamandla enzala , uJohn wayeza kushiya umyinge wemali njengoCharlotte naphezu kokutshala imali kabini! (UJohn wayeza kushiya i-$ 1.97 yezigidi, uCharlotte enezigidi ezigidi ezingama-3.26). Ukuziphatha kwebali?
Yeka ukuphanga ikusasa lakho ukuhlawula namhlanje.
I-Max Out i-IRA yoNyaka yeNgalelo yeNkcazo
Xa kuziwa kwimingcele yegalelo le-IRA , isiqubulo sika-Uncle Sam sibonakala "siyisebenzisa okanye siyiphumele". Abasebenzi abangenzi igalelo elivumelekileyo kwiRadio IRA okanye i-Roth IRA ngomhla wokunqunyulwa bayaphupha ngaphandle kwenhlanhla ngaphandle kokuba bephakathi kwamashumi amahlanu kwaye banelungelo lokufumana into eyaziwa njengegalelo lokubamba.
Kutheni i-IRA inkulu kangaka? Ziyakuvumela ukuba ujabule ukukhula okuthe werhafu okanye ukukhutshwa kwentela, kuxhomekeke kuhlobo lwe-IRA oyisebenzisayo. Oko, oko kukuvumela ukuba usebenzise izicwangciso ezifana nokubekwa kweefa . Ngokomzekelo, iRoth IRA yinto esondele kakhulu kwindawo yokukhusela yentlawulo epheleleyo ekhoyo eUnited States. Ngethuba nje ulandela imithetho kwaye ungenzi nto into engekho yesiqhelo, unokuphephelela ngokufanelekileyo ukuhlawula iirhafu nakweyiphi inzuzo yakho yemali okanye izabelo zobomi.
Ngokubalulekayo, ii-IRA zinemihlathi eyahlukeneyo yokukhusela i-asethi. I-Roth IRA, ngokumzekeliso, ngokubanzi ikhuselwe kubaboleki-mali ngokumalunga nama-$ 1.25 yezigidi (imali ishintshelwe ukunyuka kwamaxabiso kunye nokutshintsha ngexesha elide, qiniseka ukuba uhlolisise iitheyibhile zakutshanje) xa kwenzeka i-bankruptcy, zimbalwa iintlobo zamatyala ezikwazi ukuhlasela ukukhuselwa, kubandakanywa izibambiso zerhafu kunye neendawo zokuqhawula umtshato. Ezinye iintlobo ze-IRAs azikho umda kwixabiso lokukhusela i-bankruptcy.
Thatha inzuzo epheleleyo yoMqeshi ofanayo kwi-401 yakho (k)
Iinkampani ezininzi ziya kufana nesabelo esibalulekileyo semali oyifumanayo esekelwe kwiminikelo oyenzayo kwi- 401 (k) isicwangciso . Ukuba unelungelo lokwenza umsebenzi onjalo, kwaye izigidi zabantu baseMerika, zisebenzise ngokugcwele! Ukuba awukho, uhamba kude nemali yamahhala. Nangona konke okwenzayo kunama-401 (k) iminikelo enziwe ngekheshi kunye nemali efana nemali, ngokuqhelekileyo yinto esheshayo, ngokungekho mngcipheko-50% ukuya kwi-100% okanye ukubuyela ngaphezulu.
Sebenzisa i-Rollover IRA yokuPhepha iiNkundla zokuLawula nokuThathela kwangaphambili
Ukuba uyinto efana nomsebenzi waseMerika oqhelekileyo, iingxaki zichanekile ukuba uya kutshintsha imisebenzi ngexesha elithile ngexesha lakho lomsebenzi. Xa oku kwenzeka, into enokuyilumko ongayenza phantsi kweemeko ezininzi kukuba uhlawulele imali kwi-investing yakho.
Esikhundleni saloo ndawo, qhawula umvuzo kwi- IRA rollover okanye isicwangciso sakho se -401k somqashi omtsha . Ukongezelela ekukhuseleni iirhafu eziphambili kunye nezohlwayo zokuqala zokubhenxisa kwangaphambili oza kwenzeka kuzo, uya kuba nako ukugcina imali yakho isebenzela i-tax-free okanye ihlawulwe irhafu, okwenza kube lula ukuba uza kufumana umhlalaphantsi ngaphezulu imali kunokuba ubungeke ube nayo.
Unikwe ixesha elaneleyo - sele usubonile amandla amashumi ambalwa eminyaka anokukwazi ukuba nemali encinci yemali - oku kungathi umahluko phakathi kwexesha lokuphumula eTahiti kwaye kufuneka uthathe umsebenzi wesikhathi-nxaxheba ukuze ungeze iholo lakho.
Sebenzisa iiNgxowa-mali zakho ezongezelelweyo ukufumana ii-Asset ezivelisayo kwaye ugweme amatyala
Ekugqibeleni, kubantu abaninzi, indlela engcono yokufumana isityebi ngokuthatha umhlalaphantsi kukuba ufumane ubunini bezobunikazi beempahla ezivelisayo, ngokukodwa ukugxininisa kwamashishini afanelekileyo. Ibhizinisi elimangalisayo, elithengiweyo ngentengo enengqiqo, lingasebenzisa izimangalo ngeendlela ezimbalwa abantu ababonakala beyiqonda. Uluntu ngokubanzi lugxila kwixabiso lemarike elifutshane eliqhelekileyo-ndiqhele ukuba ndichaze nantoni na engaphantsi kweminyaka emihlanu ibe yiminyaka emfutshane-kwaye, kule nkqubo, ilahlekelwa ihlathi kwimithi.
Khangela inkampani efana neHershey. Umzekelo wendlela intlinsic value ingaphambukela ngayo kwi-quotation yemarike yinto yamava owakubamba phakathi kuka-2005 no-2009 xa isitokheji ilahlekelwe i-50% yexabiso layo, iyancipha ngokuthe ngcembe nangona inzuzo ihle, izabelo zanda, kunye ne- p / e , Umlinganiselo we-PEG , kunye nomlinganiselo we -PEG olungelelaniswayo wohlawulelo . Ubengumntu oyisilumko ukuyithengisa okanye ulahlekelwe ngumzuzu wokulala phezu kwayo. Isabelo semarike yenkampani sinqabile. Ukubuyiselwa kwayo kwixabiso elibonakalayo liphefumulayo.
Le shishini liye lajikeleza ngaphezu kwekhulu leminyaka. Yayidlula nge-Depression Depression, eyona yentlekele yezoqoqosho eyona mbi kakhulu kwiminyaka engama-600. Yayifakela ukutshatyalaliswa kwe-1973-1974. Kwasinda kwibhola ye-dot-com. Waqhubeka ehamba ngexesha lokuwa kwe-2007-2009. Namhlanje, i-firm yashicilela i-dividend yayo yesahlulo se-346 ngokulandelanayo; Ikhonkco elingenakuphazamiseka lokuhlola elithunyelwa kubanikazi ababuyela kwizizukulwana ezizayo. Wonke umntu uye wazi indlela enhle ngayo lo shishini kodwa abantu bambalwa benza into ethile malunga nalo.
Khawuqwalasele oku: Khawucinge ukuba sekuphelile ngo-1982. I-Hershey yinkampani enkulu ye-chocolate kwilizwe; igama ngokuqhelekileyo bonke abemi, abancinci nabadala, bayazi. Unquma ukuba ufuna ukuthenga ubunini bebhilidi eyi-100,000. Yilona luhle kakhulu lwe- chips eluhlaza okwesibhakabhaka . Inomqulu olinganisiweyo wokulinganisela . Yiyo kuphela into oyifunayo kwi- akhawunti yakho yomrhwebi kunye nemali yokuthembela .Le nto ayiyiyo isisombululo esinzulu nangaliphi na indlela. Yintoni eya kwenzeka?
Ngomhla ka-Meyi 2016, ubuya kuhlala kwindawo ethile malunga ne-49,739 izabelo zesitokhwe ngenani lemarike ye-$ 4,582,951.46 kunye kunye nawe uqokelele i-$ 1,174,337,79 ngemali ehlawulelwayo ngemali ye-$ 5 757,289.25. Oku kuthatha ukuba awuzange uvelise nayiphi na loo mahlulelo , nokuba, kwaye awuzange uthenge esinye isabelo ebomini bakho bonke!
Nangona kunjalo, bangaphi abantu owaziyo izabelo zeHershey? Bangaphi abantu abakuzungezile abanokwabelanayo nabo kwiakhawunti zabo?
Kwintsapho yam, le ndlela iyingxenye yendlela esisebenza ngayo. NgeKrisimesi, mna nomyeni wam sanika izabelo zeHershe kumalungu omncinci omabini omabini omthi womndeni. Sinezikhundla zethu. Sifudumele kwiipotifoliyo zabazali bethu. Yifakwe kwiipotifoliyo esilungiselelwe kubazalwana bethu. Kulula kakhulu. Akukho mntu owenzayo. Akukho mntu uyayisebenzisa, kubonakala ngathi. Ngokuqhelekileyo, ukufumana ubutyebi kufuna ukwenza into efanelekileyo phambi kobuso bakho; kunjalo ngokugqithiseleyo ukuba uyimfama. Senze ibhetti enkulu yokuba iminyaka engama-25, i-50+ ukususela ngoku, i-Hershey iya kugxotha amalungu ethu entsapho ngemifudlana yemali. Nanini na xa sikholwa ukuba kuxabiseke ngokufanelekileyo, sithenga ngaphezulu.
Fumana i-Hershey yakho. Kukho rhoqo izinto eziphambili phambi kwakho, izinto owaziyo zinethuba eliphantsi lokulahlekelwa imali kwixesha elide kwaye akukho-buchule. Zisebenzise ngolwazi olukhethekileyo. Qinisekisa ukuba uneendlela ezahlukeneyo zokuzikhusela ukuba uyiphutha. Musa ukuthenga amasheya kwimida . Akuyinto enzima. Ixesha kunye nokudibanisa kuya kwenza ukuphakama okunzima xa uvumela. Kufuneka uhlanyele imbewu efanelekileyo emgangathweni kwaye uphume kwindlela.
Yiba Nomnqweno Wokufumana Iindlela Zokunyusa iPie
Musa ukugawula iindleko, fumana indlela yokwenza imali engaphezulu! Ngokuthatha umsebenzi wecala okanye ukujika umdlalo kwi shishini shishini, unokwenza imifudlana eyongezelelweyo yengeniso ukunceda ukuxhasa umhlalaphantsi wakho. Kwiimeko ezininzi, oku kuyindlela engcono kakhulu yokunciphisa iindleko kuba kukuvumela ukuba ugcine umgangatho wakho wokuphila ngoku ulungiselela ikusasa lakho.
Njengabafundi bexesha elizeleyo kwiikholeji ngaphezu kweminyaka elishumi eyadlulayo, mna nomyeni wam senza ama-dollar ayi-100 000 ngonyaka ukusuka kwiiprojekthi kunye nomsebenzi wekota. Yasivumela ukuba sikhankase imali yethu njengoko siphila kakuhle phantsi kweendlela zethu. Asizange sikuxelele nabani malunga nayo. Asizange silinde abantu ukuba basinike amathuba kwiimeko ezininzi. Sifumene into esingazithengisa ngayo ihlabathi -iziphi iimpahla kunye neenkonzo esinokubanika abanye abantu kunye nokuba baya kuvuyela njani ukubhala isheke-kwaye sakha iinkqubo ezisisebenzelayo xa silala. Ukuba sasijolise ekunqumeni amakhonkoni nje, bekuza kusithatha ixesha elide ukuba sibe khona namhlanje.
Ulwazi olungakumbi malunga nendlela yokuthatha umhlalaphantsi oTyebi
Eli nqaku liyinxalenye yendlela yokufumana isisombululo esisisityebi kubatshali-mali abatsha. Ungaphinda ufune ukufunda isikhokelo sethu sokwakha ubutyebi . Ndikunqwenela inqabileyo inhlanhla endleleni. Ukuba akukho nto, yesazi ukuba ndixhuma. Umnqweno omhle