Ukufunda indlela engcono
Kuthekani ukuba ndakuxelela ukuba kukho indlela engcono? Omnye wabafundi bokuqala beengxelo zecandelo lekholeji wabonisa ukuba umfundi osele kliniki unokufumana inzuzo enkulu ngelihlobo elilodwa, ukuqinisekisa ukuba kungakhathaliseki ukuba kwenzeka ntoni ebomini bakhe, uya kuba nako ukuhlala phantsi kunye nemali eyaneleyo yokuphila ngokufanelekileyo . Le ngcamango ilula kakhulu xa uqonda ixabiso elizayo lemali; ingaba idola elilodwa lingakhula njani xa lishiywe lodwa.
Khawucinge ukuba ihlobo ngaphambi kokuba uhambe kwiikholeji, wenza imisebenzi embalwa kwaye wakwazi ukugcina i-$ 10,000. Wena, ngokubona kwangaphambili nokukhula, uyazi ukuba kuya kuba nzima ukutshala imali ngokwakho xa ujongene neentlawulo zemboleko zabafundi, imali yokubolekwa kwemali, iimali-mboleko zemoto, iindleko zogesi, kwaye mhlawumbi zonke iindleko eziza kuba ngumzali (i-diapers, ukutya, izambatho, ifenitshala) - ufumana ingcamango.
U butyebi
Unomtsalane omkhulu wabatyalomali njengaye uWarren Buffett , oneminyaka engaphezu kwama-80 ubudala, uye wafikelela ngaphezu kwama-66 bhiliyoni.
Ukuqaphela ukuba awuyidingi phi na phantse kangaka, ufuna ukudala isikhwama sokulondoloza imali engenayo engenayo , kodwa ngamandla, isebenzela wena ngaphandle komntu ebomini bakho owaziyo. Ubuncwane bakho obubi. Ukuzekelise le ngcamango, nantsi into eyenziwa ngumfundi wasekolishi:
- Thatha i-$ 10,000 yenkunzi kwaye uyihlule ibe yimibhobho emine.
- Khetha iinkampani ezine eziphambili, ezinobluhlaza-bhakabhaka ezinokuthi zifumane amazinga aphezulu okubuyela emva kwexesha elide njengeHershey, Coca-Cola, i-Colgate-Palmolive, i-Nestle, ii-oors e-oil ezifana ne-ExxonMobil okanye i-BP, uJohnson & Johnson, okanye elinye ishishini kunye neenzuzo ezinokungabikho kokuhlaselwa, ukuhanjiswa kwamanethiwekhi kunye neengxelo zemali ezinamandla.
- Vula iplani yokuthengwa kwesitoko ngqo / i-akhawunti yesicwangciso sokubuyisela i-revestment plan nganye nganye kwiifemu ukuthenga amashishini kwiinkompo eziphantsi kakhulu, ezifana ne-$ 1 okanye i-$ 2 nganye yorhwebo (ezinye ii-DRIP, ezifana ne-Offx ezinikezelwa yi-ExxonMobil, ungahlawulisi nto nhlobo ukuthengwa rhoqo ).
- Khetha ukhetho lokuba zonke izabelo zivunwe .
- Gcina izatifikethi kunye neefayili kwibhokisi ephosiweyo kwibhanki yendawo.
- Ukuzihoxisa kwiminyaka engama-46 ezayo ngaphandle kokufunda ingxelo yonyaka kunye nokuqinisekisa ukujonga i-earnings and dividends ikhuphuka ngokuhamba kwesikhathi.
- Kwiminyaka engama-75 ubudala ubudala, buyela kwibhokisi ephosiweyo okanye uvule iingxelo ze-akhawunti yakho ye-DRIP (ukuba ukhethe ukubhaliswa kwe-elektroniki ukwenzela ukhuseleko olongezelelweyo). Ukuba imbali ibambekile kwaye uyakwazi ukufumana umyinge wokubuyisela kwiimali, kufuneka ube ne-$ 6,388,918 ubuninzi obunini obakhelwe ngokubaluleka kwexesha elide. Kanye njengento enhle, kufuneka ube neemali ezinkulu zerhafu ezichaseneyo ezisebenza ngokukhawuleza ukuphakamisa ukubuyiswa kwakho kwaye ezinokuxolelwa xa usebenzise kakubi ukuqhubela phambili .
Lo buninzi buncwane obuthathayo ukuba awuzange wongeze enye ipenithi ngaphaya kwe-$ 10,000 yokuqala kwaye uhlawulele imali. Kucinga ukuba awuxhasi ngokupheleleyo iRoth IRA . Kucinga ukuba awuyi kusebenzisa ama- 401 (k) . Kucinga ukuba awukwazi ukwakha ubulungisa ngokuba nekhaya. Ngokwenene, awukwazi ukunceda kodwa uthathe umhlala-mali, yonke into elinganayo, ngenxa yokuba udale ulingano lwezoqoqosho ngokomthi womthi, ukutshala i-acorn encinci kwaye uyishiye malunga nesiqingatha sekhulu leminyaka.
Ukuba ufuna ukuhlala kakuhle ngexesha lokuphila kwakho, kuya kufuneka wenze okucwangcisiweyo ekuqaleni - sebenzela nzima, ufumane imfundo ephakamileyo, utyalomali ngokutsha, kwaye ulawule iindleko zakho. Kodwa akukhuthazi ukwazi ukuba kungakhathaliseki ukuba kwenzeka ntoni na, kukho iphothifoliyo eyimfihlo ehlanganiswa nawe ngasemgangathweni onokukunika iimfuno zakho kunye neemfuno zakho?