Ukuba iNtsapho Yakho yenza ama-$ 52,000 okanye ngaphezulu koNyaka, Uyi-Global 1 Ipesenti
Ngokukodwa, abahlobo bethu banomdla ekuxubusha umgangatho weklasi eliphakathi kunye neengeniso eziphakathi; kwenzeka ntoni kwiintsapho ezisebenzayo, kwimisebenzi yamabanga aphakathi, kunye nethuba lokufumana umgangatho omhle wokuphila kwizigidi zabantu abasebenza nzima baseMelika nabasetyhini.
Ngaphambi kokuba sibuye siphinde sixoxe ngale ngxaki apho i-middle class ithola khona, uninzi lwayo uyazi ukuba le nto iyintanda intliziyo yam. Sixoxe ngeklasi kunye nemali engenayo yaseMelika apha kwi- Investing for Beginners . Ndaphinda ndacacisa kwezinye zezinto ezithandekayo, iinkcukacha eziphambili kwiiblogi zam ebhankini yam yabantu abathanda ukwazi oko kwenzekayo kunye nabahlobo babo, amalungu omndeni, abamelwane kunye nabo basebenza nabo. Kwizo zithuba, thina:
- Ukukhangela kwinqanaba lemali yengeniso yendlu yonyaka efunekayo ukuba ibekwe phakathi kweepesenti eziphezulu zezindlu zonke kwii-50 zezizwe;
- Ufumene ukuba, ngokukodwa, iipesenti eziphezulu zezindlu zonke zaseMelika zivelisa ingeniso (umvuzo, ubunikazi boshishino, njl njl.);
- Uhlolisise ukuba buninzi ubuncwane (ukulungelelanisa) kufuneka kuthathele phakathi kweepesenti ezili-1 zezindlu kulo lonke ilizwe;
- Kubalwa ukuba bangaphi abantu baseUnited States bafumana ngaphezulu kwama-R1 000,000 ngonyaka;
- Ekhangela ezinye zeenkcukacha ezikhethekileyo ezivela kwiipesenti eziphezulu zemizi e-United States;
- Ukuhlawula umlinganiselo wenani eliphakathi kwamanani kunye neminye impawu ezifana nemfundo, ejongene nedata ye-Federal Reserve ka-2010 kwaye, kamva, idatha ye-Federal Reserve ka-2013;
- Ukujongwa kwimizi eyi-1,821,745 eUnited States eneefowilifo zokutshala imali ezixabisa i-$ 3,000,000 okanye ngaphezulu;
- Bona apho ama-5 ekhulwini ngamakhaya ngemali engenayo yonyaka ehlala kwimephu ye-United States; kwaye
- Wathetha malunga nolawulo oluphezulu "lwesityebi" eUnited States, ukudiliza iintsapho ezibutyebi kwiintlobo ezinhlanu.
Saye senza into efana nobutyebi obuthileyo, owuqhelekileyo weemalioneli ezifihlakeleyo ezibonakalayo eziqhelekileyo ukuqokelela imali ngaphandle kokuba abantwana babo bafumane oko. Ufumene ukuba ityala lekhadi lesikweletu aliyona ingxaki kubaninzi beentsapho zaseMerika - eqinisweni, 1 kwabangu-2 abanakho ityala lamatyala ngetyala nantoni na okanye ngenxa yokuba bahlawula ibhalansi yabo ngokupheleleyo okanye abasebenzisi kwikhadi le khredithi kwindawo yokuqala. Kwaye akunjalo. Phantse aba-1 kwabangabanini bendawo abanakho imali. Xa ungena kubahlali abakhulu, le nombolo iya kwi-2 kwabangu-3.
Nangona ibe yingxaki enkulu kunokuba yembali, nokuba netyala lesikhwama somfundi akuyona into embi njengoko kubonakala, ubuncinane kungekhona kwintlalo. Enyanisweni, aba-2 kwabafundi abaphumelele kwiikholeji bahamba esikolweni kungekho mboleko yemboleko yezikolo, mhlawumbi ngenxa yokusebenza ngendlela yabo kwiikholeji, ukufumana i-scholarships, ukufumana izibonelelo, ukuba nomqeshi uhlawule iindleko, okanye ujabulele umzali okanye enye inkxaso.
Kulabo abathathu abaphumelele kwi-5 abaphumeleleyo abanalo matyala, imali mboleko yomfundi ayiyinto engabalulekanga ngokumalunga nokunyuka okukhulu kwimivuzo yokuphila-ingabi ngaphezu kwama-R10 000. (Umlinganiselo "ophakathi" ova udaba lweendaba ngokuphindaphindiweyo yonke imeko yimeko yokufunda nokubhala nokubhala, ngenxa yoko ayikhombisi isikolo esiphambili esikolweni eshiya isikolo kodwa, kunoko, iziphumo zokubandakanya isikolo sezonyango kunye nabanye abaphumelele esikolweni abaqeqeshelwa ukuba badonsa amanani Inkqubo enkulu emva kokufunda okhethekileyo kwiminyaka. Kunzima kakhulu ukuba, uthi, i-grade-grade degree yobudala bobugcisa obuphambili ekugqibeleni i-$ 30,000 + kwisikolo-mboleko semboleko yomfundi .Abantu abazithethi ngolu hlobo kuba akukho mntu ofuna ukuba yintlanzi etafileni uthetha ngokuvuma ukuba abanakho imali okanye batyala imali ephantsi.)
Kodwa oko kungasecaleni.
Sathetha malunga nomgangatho ophakathi. Ngaphambi kokungena kuloo, makhe siphendule umbuzo obalulekileyo: Ukusuka kwimbono elandeleleneyo, yintoni na ophakathi?
Ukujonga kwi-Middle Class kwiCold, Hard Numbers
Ukusetyenziswa kwedatha yakutshanje epapashwe kwiminyaka embalwa edlulileyo, ukuba wena kunye nosapho lwakho nihlala kweli lizwe kwaye ikhaya lenu livelisa ingeniso yentlawulo engaphambi kweerhafu phakathi kwe-$ 2,894.83 kunye ne-$ 4,335.75 ngenyanga, ungumgangatho ophakathi kwinqanaba likazwelonke. Ngokukodwa, ungoko-quintile ophakathi ukuba uqoqosho luphula onke amakhaya kumaqela amahlanu ngokusekelwe kwi-1/5 yemizi ewela kwiibhanki ezahlukeneyo. Kwinqanaba likazwelonke, eli nani-$ 2,894.83 ukuya kuma-4,335,75. -yinyaniso-enyanisweni nokuba uhlala kwidolophu ebiza njengeNew York okanye kwifama e-Kansas. Yiloo nto ithatha.
Abantu ngamanye amaxesha bathanda ukutsho oku akuyi kubamba umntu ohlala kwindawo efana neSan Francisco xa inyaniso kukuba, umveliso uhlukile. Ewe, i-$ 2,894.83 ukuya kuma-4,335.75 ayiyi kuyenza i-quintile ephakathi yomvuzo waloo masipala, kodwa usenqanaba eliphakathi kwinqanaba likazwelonke kuba umkhiqizo owufumanayo wakho uphezulu; imozulu engcono, ukufikelela kwiinkcubeko ezininzi, ezemfundo, ezomthetho, ezorhwebo, ezothengisa, kunye nezithuba zokuzilibazisa, ukusondela kwiindawo ezinkulu zokugcina izakhono zabantu, kunye nokunye. Nangona unemivuzo engaphantsi yokuqonda, awukhohlwempu ngaphezu kokuba uhlala endlwini phakathi eMzantsi Dakota. Kwimeko yeyokugqibela, uya kuphuma emnyango wakho kwaye ungafumani nto. Ukhetha ukuchitha imali eninzi kwindawo engcono kunokuba ube nezindlu ezintle, iimoto, ifenitshala okanye iimpahla.
Ukusuka kwinqanaba lokujonga, ukuba wenza okungaphantsi kwelo, awukho umgangatho ophakathi.
Ukusuka kwinqanaba lokujonga, ukuba wenza okungaphezulu koko, awukho umgangatho ophakathi.
Ngokuqinisekileyo, unokuba namaxabiso angaphakathi-class. Usenokude uve neklasi eliphakathi. Uyazibamba ukuba ucinga ukuba unjalo, nangona kunjalo, kuba udidi oluphakathi lukwahlukana koqoqosho oluphuphuma imali engenayo ukuba iwele kwiziko lesine-quintile esekelwe ekuhanjisweni kwengeniso yomzi.
Iimfazwe zakutsha zeBanga eliphakathi
Enye yezinto ezithakazelisayo kukuba abanye abantu etafileni bathetha malunga nokuba kunjalo, "akunakwenzeka ukuvelisa intsapho ngeniso ephakathi kwamanani kule mihla, ngokuthelekiswa nama-1950 okanye ama-1960". Yiyiphi into engabonakaliyo kwaye engazi. Ewe, isabelo esikhulu semali yokuvelisa isivuno siye kwintsimi, engandixabanga njengento ebalulekileyo kuluntu. Nangona kunjalo, inyaniso kukuba, ukulindela kuye kwanda kwinqanaba eliphakathi. Ukuyibeka ngokuthe ngqo, unokuphinda uphinde ufumane ingeniso ye-middle class yexesha elidlulileyo, ngaphezulu okanye ngaphantsi, kwingeniso ekhoyo yangaphakathi, ukuba ufuna ukukwenza oko. Ngamanye amazwi, ingongoma yokuthetha engabonakaliyo engathi ingangqineka ngokomoya kodwa ingabi nanyanisekileyo kunye nengqiqo.
Umzekelo:
- Isikhundla sendawo ye square square kwikhaya "eliphakathi" liye laphakama ngexesha lexeshana leminyaka, ukwandiswa ngama-50 ekhulwini. Oku kufuna umbane ophezulu, ngaphezulu kwekhapathi, ukugcinwa kwesondlo, ifenitshala eyongezelelweyo, kunye neerhafu zepropati eziphezulu. Ukongezelela, umgangatho wekhaya ngokwawo ngokubanzi unyukile.
- Umndeni waseMerika oqhelekileyo ngoku ufuna iimoto ezimbini endaweni enye, okwakulindeleke kwixesha elidlulileyo. Oko kuthetha ukuba imali eninzi yenzalo kwiibhanki kwimali-mboleko yemoto. Ithetha irhafu yentengiso xa kuthengwa. Ithetha irhafu yerhafu yepropsi ngonyaka. Kuthetha iiphammamu zomshuwalense ophezulu. Ukongezelela, le moto imgangatho ophezulu ngokugqithiseleyo kuneemoto zangaphambili. Ubuncitshiswa kakhulu ukuba ufe xa uhamba ngomnye kufuneka ufumane ingozi ngenxa yobunjineli kunye nezinto eziphathekayo. Uninzi lwezinto zokuzonwabisa kunye neendlela zokuthuthuzela ezivela kwiindawo ezifudumeleyo kunye nokuhamba ngokuya kwiinkqubo ezidibeneyo, eziphezulu zezandi kunye neefestile zamandla.
- Umndeni waseMerika oqhelekileyo awusenaso isibhengezo esisodwa, ngoku uninzi ngaphezu kwethathu, usasazeka kwindlu yonke, ininzi yawo eneemidlalo zokudlala imidlalo yevidiyo, iiDVD, kunye ne-Apple TV, zivelise i-satellite okanye i-billing bills, iindleko zokuqeshisa, kunye nokubhaliselwa kwe-intanethi rhoqo.
- Umndeni waseMerika oqhelekileyo ngoku ucinga ukuba umoya womoya unesidingo esingafanelekiyo, esingenakuthatyathwa ngaphandle kwezinto ezizodwa zokunethezeka. Kwaye izinto ezingenakucingelwa ngabantu abaninzi - umbane kunye namanzi asebenzayo-ayengazange afinyelele kuwo onke amakhaya ngama-1950.
- Amalungu omntu ngamnye kwiintsapho, kwimizi ehlwempu kakhulu eUnited States, ineephones ezininzi kunye nezinye iifowuni, okubangelwa ukuhlawulwa kweentlawulo zonyaka ngamnye ngomntu, endaweni yomhlaba owodwa ongenawo ekhaya.
Oku kungumxholo we-iceberg. Urhulumente Wephondo ulandelele ezi ntlobo zezinto ixesha elide. Kukho ngqo kwiinkcukacha zoqoqosho, omnyama nomhlophe, i-crystal ecacileyo. Ukunakekelwa kwezempilo kwakunokulila kakhulu kwinto namhlanje - kunokuhlaselwa intliziyo, umzekelo, kwaye ugqirha wakho unokunika iglasi yamanzi, i-aspirin, kwaye akuxelele ukuba uhlale esitela esibhedlele.
Enyanisweni, ukuba ilungu lekhaya laseMelika elikhalazayo ngeemeko namhlanje lingabuyela ngexesha lize liphile ubomi obuphakathi phakathi kwesoxesha langaphambili, uya kukhwela ukuba abuyele ngoku njengoko ukunciphisa imilinganiselo yokuphila kuya kusenokuba nzima kakhulu ukuza kuthwala. Nangona kukho iqela elingaphantsi, i-low-skills skills group not receiving any increase in income-adjusted-income income, basengcono kunokuba babekho kwizinto eziphathekayo.
Yintoni eyenza konke oku kubi ngakumbi kukuba ukuxhatshazwa ngokubambisana kuye kwaba nefuthe elinamandla kwimilinganiselo yengeniso yomzi kunye neziphumo zabantwana, ezitshintsha amathuba okuhamba kwabantu. Ayithathwa njengento ehloniphekileyo ukuba athethe ngeengaphandle kwimizila yezifundo (jonga ezinye i-blowback ezinye kwabasebenzi baseYunivesithi yaseHarvard zenzeke kwiminyaka yamuva) kodwa akukho nto inokuqiniseka ukuba isiqingatha esiphezulu somphakathi silindele ukuba nabantwana emva kokutshata, ngelixa isiqingatha esingaphantsi koluntu sinobubele bantwini kwaye sihluleka ukufumana, kwaye sihlala, sitshatile nakweyiphi na indawo esondele kwinqanaba elifanayo, senza umbahluko omkhulu wemiphumo. Inxulumene nesizathu esifanayo u-Wal-Mart uyakwazi ukukhuphisana nezitolo ezincinci: Uqoqosho lwezinga. Xa unabantu ababini abadibeneyo ngokufanelekileyo ngokudibanisa kwiyunithi enye yezoqoqosho, ufumana umlinganiselo (ekutyala inkulumo, uyanciphisa umgangatho wokusebenza ). Uchitha ipesenti ephantsi yengeniso kwizindlu, ukutya, i-inshorensi kunye nokuthutha. Unomsebenzi osebenzayo wokuba usebenze ngokubakho, ukuba omnye unako ukuthabatha iiyure ezininzi okanye ufumane omnye umsebenzi. Unayo inzuzo yokunakekelwa kwabantwana ekuncedeni ukuba kuthetha imali encinci eya kwiindawo zokunakekela abantwana okanye iintsuku zokunyamekela. Ngokukhawuleza, unemali ekhululekile yokufaka kwiRoth IRA okanye isicwangciso sokuthengwa kwesitoko esithe ngqo . Ngokukhawuleza, leyo yinto eyongezelelekileyo yokuqhelanisa, ukuvelisa izabelo, inzala kunye neendleko .
Inqabile. Olunye uphando olusandul 'ukuba ndandifunde luboniswe ukuba iziphumo zigqithise kakhulu, ukuba nangokuba iifom zemizi zifaniswa, ukuba nabazali ababini emakhaya kubangela ukuba umntwana angaphaya komntwana ukuba alingane nabazali benza i $ 20,000 + ngaphezulu ngonyaka. Kwizoqoqosho, leyo yinto enkulu. Yinto evelele kunomdla woluntu oye waphuhliswa, okhokelela ekubonweni kobudala bokuba umtshato kwakuyiprogram yokuqala yokulwa nobuhlwempu . Ukugqithisa ngokucacileyo ngento, ukujonga enye idatha kwaye kulula ukubona ukuba kutheni abaninzi abahlonishwayo bezopolitiko bezoqoqosho kunye nezoqoqosho baye baphawula ukuba ezininzi iingxaki zemigangatho ephakathi zinganciphisa ukuba iqela liyamkela umtshato kunye nabantwana, ukunyusa iinkqubo zeklasi eliphezulu, ongasayi kulahla ukuphambuka ngenxa yokwesaba ukuvela emgwebeni. Akusiyo umyalezo odumile kodwa izibalo zibalo; akukho nto ishintsha isigqibo esilusizi kwaye esingenakukhunjulwa sokuba ngaphezulu kweembambano ezimbalwa ze-middle-class struggle with the rate of birth-of-wedlock birth rate. Inhlanhla yokufumana inyulo kulolo phulo, kodwa. Ngaloo ndlela, isihloko sihlala sise-Ivory Towers kwaye sicinga ngamathangi.
Musa ukungaqondi kakuhle. Ukukwazisa oku akunakulungelelanisa ukukhathazeka ekuqinisekiseni ukuba ukunyuka kwamaza okuvelisa imveliso kuphakamisa ezininzi izikebhe zendlu, ukuboleka isimboli, kodwa kuphela ukuba kungengqiqo ukuthelekisa oomgangatho ophakathi namhlanje kunye nodidi oluphakathi lwangaphambili. Imiba kunye nayo yonke, umgangatho ophakathi namhlanje ulungelelaniswa kakuhle ngokuthelekiswa nezizukulwana ezidlulileyo. Le nyaniso. Kungakhathaliseki ukuba yiziphi iimbali oye wondliwa ngazo, okanye indlela ovakalelwa ngayo ngawe ngokwabo, ayitshintshi into engokoqobo. Asihlali kwenye inkqubo yezoqoqosho i-dystopian. Ubomi abuzange bube bhetele xa kulinganiselwe ngumgangatho wokuphila owanamdla owanwa yipesenti enkulu yamakhaya. Wena kunye nam siphila kwisiqendu sompucuko omkhulu.
Kutheni Kuthetha ukuba uMbindi WaseMbindi Ube Usizi? Kukho izizathu eziliqela
Ekubeni iinyani, kutheni abantu bengonwabanga nangona benandipha inzuzo enkulu kunabo bonke kwimbali yabantu. Kukho izizathu ezimbalwa.
Okokuqala, abantu abayiqondi ngokwenene okanye bakhumbula oko bekudlulileyo. Masithathe umzekelo omnye: Ixesha.
Abantu bakhononda ngokuba nexesha elingaphantsi kunanini ngaphambili. Buxoki. Inyaniso engeyiyo inyaniso. Ukungaqondi kakuhle. Umdlalo waseMelika unamahora angama-5 ngaphezulu kwexesha lokukhululeka ngeveki kunokuba abazali babo benza, kunye neeyure ezingama-40 zexesha elikhululekileyo ngeveki kunokuba ootatomkhulu babo benza ntoni, ngenxa yemimangaliso yemveliso yanamhlanje njengemashishini yohlamba kunye nabomisi, ama-dishwashers, iifriji, ii-microwaves; uphuculo olwenziwe ngamagqabi. Nokuba izinto ezinjengeenkqubela zeekhemikhali kunye neenkampani zengubo kwizinto ezisetyenziselwa ukwakha izambatho zigcina ixesha. Iingubo ezithandwa kakhulu kubaphathi kunye nabaphathi kwiindawo ezinjenge-Brooks Brothers yintlobo engabonakali yintsimbi, enokuthi ithathwe ngaphandle kwomeki kwaye ibonakale ngathi ixinzezelwe. Iisoksi zamadoda azifunanga ukuba iigarta zigcinwe phezulu, nto leyo ithetha ixesha elingaphantsi lokuba lilungele. Zonke ezi zinto ezincinci, ezinokubhathaka, ezibonakala zingabalulekanga zongeza.
Inxalenye embi? Xa ukhangela oko iMelika eyenzayo ngexesha lakhe-ukuba iiyure ezingama-40 ngaphezulu ngeveki yena uthelekisa kunye nomkhulu nomkhulu-impendulo icacile kuyo yonke uphando: Bayabheka ithelevishini. NgeZibhalo. Ngaphezu kweencwadi, ngaphezu kwemisebenzi yomzimba, xa ungeze kwiimbonakalo ze-intanethi kunye ne-DVR rekodi, umyinge waseMelika uchitha amahora angama-40 omabonakude ngeveki. (Akuyona ingozi ukuba ukubukela ithelevishini kuhambelana nokuphumelela ebomini ngamanani amaninzi anokulinganiswayo. Xa udibanisa inani leenkcukacha zabantu, imindeni enomvuzo ophezulu ayinakubukela ngaphezu kweyure yomabonwakude ngosuku kunamanye amaqela okufumana imali, ukuchitha ixesha ngokufunda ngokungaqhelekanga, ukuzisebenzisa, ukuzithandela okanye ukulandela ukuzonwabisa.)
Esinye isizathu sokuba udidi oluphakathi phakathi kwe-huit ke ukunyuka kwamajelo aseburhulumenteni kunye nenkcubeko. AmaMerika ngoku afuna ngaphezulu. Bakholelwa ukuba banelungelo lokufumana ngaphezulu. Kwaye, ngokunyanisekileyo, xa kunikezelwa ngendlela engaphazamisi inkqubo enkulu yokwakha ubutyebi kwimbali yehlabathi, ndicinga ukuba yinto enhle. Yingakho ubomi buhlala buphucula kwaye bubhetele. Sonke sifuna ukuba ngelinye ilanga sifinyelele kwindawo apho wonke umntu angakwazi ukufumana uncedo lwonyango lwe-Elysium. Eli lungelo kukuba kutheni sicinga ukuba nantoni na xa zonke ivenkile esityelelayo zikhutshwa ngomoya okanye phantse wonke umntu esiyaziyo ukuba uthwala oko kufikelela kwikhompyutha ephezulu ephakamileyo lakhe.
Ingxaki? Kukho ubungqina obuninzi obuvela kwizoqoqosho zokuziphatha ezibonisa ukuba abantu balinganisa impumelelo yabo kunye neentlupheko ezinxulumene noko babonayo. Isizukulwana esadlulileyo, awuzange ube nolwazi oluninzi ngaphaya kwelizwe lakho. Ngoku, umntu onokufumana ingeniso ephakathi, unokufumana ubungqina obungapheliyo kwabanye abantu abaneminyaka engama-10 000 ngenyanga, i-$ 50,000 ngenyanga, okanye i-$ 1,000,000 ngenyanga, iqhutywe kumakhulu emida yekhebula kunye neendawo ezingenakubalwa ze-Intanethi njengoko zihlala ekhaya zabo pajamas. Ukuthengiswa kujoliswe, kulungiswe, kwaye kuhanjiswe ngeendlela ongaziqondi ngayo iimpembelelo zakho. Oku kufaka iinkqubo ezifana nokufakwa kwemveliso ehlawulwa kumabonwakude abhekiselwe ngokukodwa kwimibono yabemibukeli bemiboniso; umgca wemiyalezo engapheliyo ukuxhaphaza wakho ngokukuxelela ukuba unokonwaba xa uthengela le mveliso okanye inkonzo; unokuthandwa ukuba unalo hlobo lweemoto okanye ikhabethe; uya kufumana intlonelo yakho ontanga xa usela kuphela le brand of whisky okanye vodka. Iimali ezizizityebi neziphumelelayo izigidi zabalandeli kwi-Instagram ne-Twitter. Ukulinganisa iitriki ukutshintsha engqondweni yakho nokuba uyazi okanye awuyi.
Kwalabo abahlala behlala kwiintanethi zabo, oku kungenza kwakhona ingqiqo yenyaniso. Ukunyaniseka kuThixo, ngaloo mini le nqaku yayibhalwe ngokutsha ngo-Agasti 31, 2012, ndandixelela umntu ukuba imali engama-$ 20,000,000 yokuvelisa ii-80,000 zamaRandi kwimali engenayo engenayo ngenyanga yayingumgangatho ophakathi. Kuhleka. Xa ukhona kwibhola yezoqoqosho, kuyisilingo esiqondayo ukuzithelekisa kunye nabo basendaweni esondeleyo kunokuba uluntu lukhulu. Kwimeko, "ngaphandle kwamehlo, engqondweni."
Ngaphandle kokuba ulingeke ukuba ukhethe kwisityebi, cinga ukuba kwaneklasi ephakathi yenza oku. Indlu ephakathi e-United States efumana i-$ 52,000 ngonyaka iphezulu ye-0.97 iphesenti yengeniso yomzi ehlabathini. Oko kukuthi, ngokwenene, i-1 pesenti yehlabathi. Kubuninzi beeplanethi, ukukhathazeka kwabo kubonakale njengengqungquthela nje ngokuba i-billionaire ikhononda malunga nexabiso lentengo engaphandle kweenqanawa.
Naphezu kweMingeni yeCandelo eliPhakathi, Uyakwazi ukwakha ubutyebi kunye nokuphumelela ukuzimela kwezezimali
Ukuziphatha konke oku: nangona kukho imingeni ebonakalayo ibetha ngokugqithiseleyo kunokuba ezinye iindawo zentlalo - iindleko zemfundo zikhulile, iindleko zonyango zingaphandle kolawulo - ukuba unzima ukugcina imali okanye utyalo-mali , okanye uzive udidekile malunga nokuba ungaphi na imali, fumana enye indlela yokuba unokukunceda ukuba uthathe isinyathelo emva kwaye uqaphele ukuba, ngenxa yokuhlala eUnited States, unokufumana amathuba amaninzi kakhulu okuba yimpumelelo kakhulu kunokuba uninzi lwabantu ephila ngeli xesha; ukuba sonke siphume iLotter xa kufikelele ekubeni sisaphila ngoku, ngeli xesha, kweli lizwe. Mfutshane kwentlekele yezokwelapha ezingalindelekanga, akukho sizathu sokufikelela ekupheleni kobomi ngaphandle kokufumana ukuzimela kwemali , kwanabayingeniso ephakathi. Kungenzeka ukuba akuthandwanga kuluntu ukuba uvume, kodwa ngokuqinisekileyo uyehla ekuziphatheni nasezigqibo zokuhweba ezisemandleni akho. Kuyakwazi ngokupheleleyo ukwakha i-portfolio ye-$ 8,000,000, enikezwe ixesha elaneleyo, njengowomgcini-mncinci ofumana umvuzo uRonald Read.
Ukutshintshela iiGates zeBill, akusiyo iphoso lakho ukuba uzalwa uhlwempu eMelika. Iphutha lakho xa usweleka eMzantsi. Kungakhathaliseki ukuba bangaphi abantu abafuna ukukufaka kunye nokubhenela izikhokelo zakho ziseko ukuze ulungele ukungaphumeleli, inyaniso. Ukufikelela kwimiba yeziganeko ezilawulwayo, ubomi bakho sisisombululo sezigqibo ezidlulileyo ezenzileyo kunye nokuphendula kwakho kwizinto ezenzeke kuwe. Yonke imihla, esinye isigqibo esisenzayo sisenza isinyathelo esithile okanye sisondele kude neenjongo zakho. Ezi zigqibo zihlala zixhunyiwe, ngokunjalo. Ngokomzekelo, ukuba ufuna ukuhlawulela umnatha wakho kwizinga eliphakamileyo ukushiya inzuzo enkulu kubantwana bakho nabazukulwana bakho, yonke icuba elifaka emlonyeni wakho lithatha inyathelo elide ukusuka kuloo njongo. Kubiza imali eninzi enokuyifaka. Kuthatha iintsuku ukuyeka ixesha lakho lokuphila, oku kuthetha ixesha elincinci lokuhlanganiswa ngendlela ekhompyutheni ngaphambi kokuba isebenzise izinto ezinjengezithuba zokunyuswa kweentlawulo kunye neentlawulo zerhafu .
Oku akuthethi kuthi thina, njengempucuko, kufuneka sikhathazeke. Sidinga ukuxazulula imiba yokufikelela kwiindawo ezithile zoqoqosho ezifana nezindlu, imfundo kunye nokunakekelwa kwezempilo. Into endiyifunayo ukuba ngamnye ube nobomi obuhle apho imali ingakhathazeki. Oku kusekho ngamandla akho. Ungathatha umhlalaphantsi ocebileyo. Ungakujabulela ukulawula ixesha lakho. Kudinga ukuqeqeshwa, kwaye kugxininiswe, kodwa kunjalo nantoni na into ekufanele ukuba nayo ebomini, nokuba ingaba isimo kunye nokugcina ubunzima obuhle okanye ukufunda ukudlala isixhobo somculo. Imiphumo iyafaneleka umzamo ukuze ndikukhuthaze ukuba uqalise. Unokwenza oku. Akuyi kuba lula, kwaye akuyi kwenzeka ngobusuku, kodwa izigidi zabantu, mna ngokwam ndakanya, ndiyenzile. Ngokutshintsha indlela oziphatha ngayo, utshintshe i-destiny yakho. Konke kuya kweendlela obeka ngayo amabhakethi akho amabini kwaye, njengoko kubhekisela kwimali, yiyiphi yeembambo ezimbini ozithathayo.