I-Recipe yokwenza i-Fortune kwi-Investment yakho

Yenza Izinto Ezincinene Ukunceda Ubutyebi Bakho Bukhule

Yiphupha labaninzi abatyala-mali abatsha ukuba kube ngenye imini babe zimeleyo kwizezimali zabo. Ukuba ufuna ukwenza i-fortune ukusuka kutyalo-mali lwakho, kunceda ukuthatha inyathelo kwaye uphonononge amathuba akho, kokubili ngokwemali engenakwenzeka yengeniso kunye nexesha lokuphila, kwakunye neendlela ezahlukeneyo ezikhoyo kuwe kwi-quest yakho bakho butyebi. Ndivumele ukuba ndihlanganyele ezinye iingcamango zam malunga nale nto.

EUnited States, umvuzo wobomi bomntu onesiqinisekiso se-bachelor degree uhlala kuma-2,100,000. Ukugqithisa, abaphumelele kwiikholeji bakwatshata nabanye abagqwesileyo kwiikholeji, bezisa loo nani kwi $ 4 200,000. (Ukususela kumbono wezoqoqosho, akunjalo ukutsho ukuba imilenze yomtshato isalathisi sesimo somntu esitsha kunye nemilinganiselo yomtshato ayinakuzivikela ekuthandeni, okunye kunomdla, ukuba kungabandakanyekanga, kubangelwa ukungalingani kwemali.) Njengoko i-CEO ebomini bakho, njani wena nomyeni wakho okanye umfazi wakho unikezela ukuba imali iya kuba nefuthe elikhulu kwixabiso lakho lomnatha wekhaya, imali engenayo engenayo , kunye nemincili yolonwabo. Oku kuyinyani ngokwenene kunikwa iingenelo zemali ezibalulekileyo zomtshato .

Omnye wabahluli obalaseleyo phakathi kwabo baphelisa i-paycheck-to-paycheck kunye nalabo abafumana isigodlo sebhanki esigcwele izatifikethi zezitokisi ezikhupha izikhukhula zezabelo zokuzonwabisa ukuba ngaba umntu unomkhuba wokuthenga ixabiso eliphantsi kwexabiso okanye impahla evelisayo yakhe imali.

Ukunciphisa i-asethi yilezo zinto, xa zifumene, ziqala ukulahlekelwa ixabiso. Umzekelo onqwenelekayo ngumoto. Nangona ikwazi ukubonelela ngempahla, imoto yenye yezinto ezimbi kakhulu ozenzayo ngokubhekiselele kwimali. Abantu abangayi kuze, ebomini babo bonke, babone ukubonela phambili, bathi, "Ndiya kuthenga i-Hershey ye-$ 50,000 kwaye ndiyibambe iminyaka engama-50 ezayo", "ndiya kuthenga i-Coca- Cola kwaye, ngelinye ilanga, ndingayifaka kwisikhwama sokubambisa umzukulu wam "nokuba," Ndiza kwandisa i-$ 500 ngenyanga kwi-Exxon Mobil i- DRIP ", kungekudala, ayiyi kucinga into yokuthengisa kumoto, ukuthenga entsha imoto kwi-0% inzala i-$ 700 ngenyanga kunye neentlawulo ezingaphezulu kweenyanga ezingama-60 kwinto enqwenela ukuba ayiyize.

Ndiyifundile ngokuphindaphindiweyo. Ngenxa yobume bokuhlanganiswa, loo nto yokuqala yokuqala kwiminyaka eyi-10 okanye engama-20 idala iziphumo ezigqityiweyo ukwenzela ukuba umntu ohlakaniphile ngokwaneleyo ukuba aqale ukufumana i-asethi-generating assets aqala ukuphuma aze ahlule ngokwakhe kumpakethi. Oko ekugqibeleni kuya kuba yintlambo enzima, ukuba akunakwenzeka ukuba ibhuloho.

Ngamanye amagama, ukuba unelungelo elaneleyo lokufundela, utshatile omnye umntu ofundele kakhulu, uhlala kwiimeko ezibonakalayo kwezoqoqosho kwimpumelelo yoluntu, nokuba ingaba ungagqiba ngokuzimeleyo ngokwezimali - ngezinye izinto ezingekho phantsi, ezifana Ingxaki engabonakaliyo yezempilo-ngokuqinisekileyo iza kuhla kwikhompyutha yakho, okanye ukungakwazi, ukulawula ingeniso yakho ngengqiqo. Inyaniso elula, kungakhathaliseki ukuba kungathandeki kangakanani ukuvuma kwenkampani ehloniphekileyo, isisombululo esincinci se-salariers njengeRonald Read iphela ekuba yimali eyimfihlo kunye ne-8,000,000 + kunye namagqwetha anemigangatho ehloniphekileyo eyafumana i-1,000% ngaphezulu ngonyaka ibe neqhezu butyebi. Ungasebenzisa imali yakho, uyibeke kusebenzele wena, okanye usebenzele imali yakho, ukuthengisa ixesha lakho (iiyure zobomi bakho, ngokwenene ngokoqobo) kwizinto ozifunayo ngeveki.

Phantse wonke umntu uqala ukwenza okokugqibela kodwa umntu ohlakaniphile ongafundileyo, njengoLwazi, uphela kwimeko apho ukuhlawula kwakhe kuncinci kunezona zihlawulelo, inzala kunye neentlawulo eziqokelelayo.

Ngoko ke, yintoni iresiphi yokufumana isityebi ? Yenza izinto ezimbalwa ngokufanelekileyo kwaye ngokuyinhloko zizinyamekela.

1. Idatha yezoqoqosho ibeka umbuzo ongeyena mbuzo ukuba u-1.) isikolo esiphakamileyo esikolweni esiphambili, 2.) ukuya kutsho kwikholeji, 3. ukutshata, kunye no-4.) banabantwana ngaloo ndlela njengabanyathelisi nabafundisayo bayakuthanda ukukhumbuza bonke abantu, ukuhlala ehlwempuzekile kutyhutyelwa kwinqanaba lokungabi nantoni. Yikhowudi yokukopela kwimidlalo yemali yobomi. Yisebenzise. Naluphi na ukuphambukiswa okucima ipakethe malunga nawe ngendlela enamandla. Akukho nto ihamba ngayo. Akunakuphika. Ubungqina obungenakucatshulwa kunye nedatha esetyenziselwa i-gargantuan.

1. Hlala uphila phantsi kweendlela zakho nokuba ugcina nje imali encinane . Uqeqesho olwakhayo lubuchule obuhle bokuphila obuya kuhlawula kwenye indawo, nakhona.
2. Beka loo ntsipho ukuba isebenze kwindlela enokwenza ngayo irhafu. Kubantu abaninzi, oku kuya kuba yintlangano ye-Roth IRA kunye neRoth 401 (k) . Ukusekwa ngokuchanekileyo, unokuthi ugweme ukuhlawula irhafu kwiindawo ezininzi zokutshala imali yakho yonke ebomini bakho. Ukuba unenhlanhla, kunye / okanye ulungelelaniswe ngokwaneleyo, ukufikelela kumda wokunciphisa umrhumo ngamnye ngonyaka, qalisa ukwakhiwa kweempahla ngaphandle kweendawo zokungcebeleka zerhafu ezingenako ukuzisebenzisa ngokuzenzekelayo xa usweleka. Oku kuya kukuvumela ukuba udlulele kwii-asethi kubantwana bakho nabazukulwana ngaphandle kokubangela irhafu yerhafu . Zonke izikweletu zakho zerhafu ezichaziweyo zixolelwe .
3. Gwema amatyala xa kunokwenzeka, ngokukodwa ityala lekhredithi kunye netyala lomboleko . Xa uhlawula imali kwabanye abantu, oko kukukolekayo, uyabamema ebomini bakho. Baya kwenza iimfuno zakho kwixesha elizayo. Zingakubangela ubunzima obukhulu xa uphulaphula isithembiso sakho. Ukuya esikolweni sakho sephupha akufanelekile ukuchitha iminyaka eli-15 okanye engama-20 yobomi bakho kwizinto ezilingana nokusetyenziswa kwempahla, ekhoyo ekholiswa kuphela ngabanini-zimali baseSallie Mae, Naven, eCitigroup, nase-Wells Fargo.
4. Yenza kwakhona izabelo zakho . Ukubuyiswa kwezizabelo kufana nokongeza umbane emlilweni xa inxalenye yeepotifoliyo ezahlukahlukeneyo, ukukhawuleza ukuqokelela ubutyebi bakho. Ukuthetha ngeendlela ezahlukeneyo ...
5. Ukwahlula imithombo yakho yengeniso kunye nezinto zakho . Wonke umntu uthetha ngeentlobo ezahlukeneyo zeentengo kodwa ukungafani kwemali kubaluleke kakhulu kwincwadi yam. Ubomi buncono kakhulu, kwaye bunzima kakhulu xa unemijelo emininzi yengeniso ezayo ukuze ungathembeli kuyo nayiphi na into ethile.
6. Ungaze utyalole into ongayiqondi kwaye ungalokothi utshale imali ongeke ukwazi ukuyilahleka. Ndiye ngaphaya kokubiza umnxeba umgaqo obaluleke kakhulu wokutyalomali .
7. Yenza imali yakho ihlanganiswe ixesha elide kunokwenzeka. Izinto eziyingozi ziyenzeka xa udlula uphawu lomnyaka wama-25. Kwimeko kwinqanaba: Imilinganiselo embalwa yembuyekezo yokubuyiselwa iya kuvelisa i-1,000% ngenzuzo ngaphezu kwelo xesha. Ukufikelela kwiminyaka engama-50, kwaye ukhangele kwi-10,000%. Ngokuqinisekileyo, akukho mqinisekiso esele idlulileyo iyakuthi iphinde iphindise ikusasa kwaye utyalo-mali luhlala luhlala lunamandla okuba lukhuni, ukuba aluyiyo isigxina, ilahleko-buza kubuze abatyali-mali base-Austria phakathi kwe-1900 kunye neli xesha elifanelekileyo ngenxa yecandelo elincinci kwisihlomelo selizwe lamaNazi EJamani ngexesha leMfazwe Yehlabathi II - kodwa akunzima ukuqonda isizathu sokuxubusha esibizwa ngokuba ngumbuzo wesibhozo wehlabathi. Kwimeko kwinqanaba: Imilinganiselo embalwa yembuyekezo yokubuyiselwa iya kuvelisa i-1,000% ngenzuzo ngaphezu kwelo xesha. Ukufikelela kwiminyaka engama-50, kwaye ukhangele kwi-10,000%. Ngokuqinisekileyo, akukho mqinisekiso esele idlulileyo iyakuthi iphinde iphindise ikusasa kwaye utyalo-mali luhlala luhlala lunamandla okuba lukhuni, ukuba aluyiyo isigxina, ilahleko-buza kubuze abatyali-mali base-Austria phakathi kwe-1900 kunye neli xesha elifanelekileyo ngenxa yecandelo elincinci kwisihlomelo selizwe lamaNazi EJamani ngexesha leMfazwe Yehlabathi II - kodwa akunzima ukuqonda isizathu sokuxubusha esibizwa ngokuba ngumbuzo wesibhozo wehlabathi.

Okokugqibela kubaluleke kakhulu. Kukho iindlela ezimbini zokusebenzisa ngoku:

1. Qala utyalo-mali ngokukhawuleza njengoko unakho ebomini.
2. Phila ngokukhawuleza njengoko unakho. Oko kuthetha ukubeka impilo yakho kuqala. Landela icebiso lonyango lakho, eliphantse lilingana nalo: Musa ukutshaya. Musa ukusela. Musa ukwenza iziyobisi. Musa ukugqithisa. Musa ukusebenzisa izixhobo ezinzima zaseburhulumenteni ngelixa unyango lonyango. Njalo ugqoke i-seatbelt yakho. Le nto iqukumbela kakhulu zonke iziseko zakho kwiqondo elingalawulwayo. Kwiminyaka emihlanu eyongezelelweyo ingaba imilingo xa usakhele iphothifoliyo ephezulu.

Njengento elula njengoko kuzwakalayo, yiyo i-crux kwinkqubo yokwakha ubutyebi. Beka izinto ezilungileyo ukunyuka, makube, ngamazwi kaBillionaire uCharles Munger, " ngokuqinisekileyo akayibuwula ", kwaye imali yakho ithatha ubomi bakho, ikhula, ikhule ibe yinyakatho, ibonise wena nabantwana bakho ngokuchuma. Ngethuba elifutshane-kwaye nayiphi na into engaphantsi kweminyaka emihlanu i-short-term - enye ingxolo.