Iimfihlelo zokuba "zizityebi" Azingabi Ngangqumbo Njengoko Ucinga
Ndiyabona aba bantu yonke imihla yeveki. Baqhuba i-Toyotas, iHondas, i-Kia kunye neJeep Cherokee. Bawusindise ixesha elide kwaye ekugqibeleni bafumene kwindawo yokuyeka umsebenzi wabo kwaye baphile ubomi ngokwabo. Nazi iimfihlelo ezilishumi ezi "zizityebi" ezifanayo:
1. Uzinzo lweJob. Ngokuchasene neenkolelo ezithandwayo, kukho iindwendwe ezininzi eziye zingakhange zihanjiswe ngxowa-mali, kwaye azizange zenze iidola ezigidi ngeekubhite zobusuku ngethuba le-intanethi. Ngabantu abahlala kunye nomqeshi omnye ixesha elide-ngamanye amaxesha eminyaka engama-30 okanye engama-40. Ukuhlala kunye nenkampani efanayo iminyaka emininzi kunokunikela ngembuyekezo emikhulu, kubandakanywa umvuzo omhle wokugqibela, iinzuzo eziphambili zomhlalaphantsi kunye nezilinganiso ezingama-401K ezinobungakanani. Nangona kubonakala ngathi akukho mvelaphi ukucinga ngokusebenzela umqeshi omnye kumashumi amabini okanye ngaphezulu kule mihla, kusekho inani labantu abenzayo, kubandakanywa ootitshala nabanye abasebenzi baseburhulumenteni.
2. Abasindisi abazinzileyo. Uninzi lwabathathe umhlala-phantsi luye lwaqalisa ukwenza igalelo elingaphezulu kwi-401 (k) kwii-20s okanye ezingama-30. Khumbula, i-dollar yonke oyifake kwi-401 yakho (k) i-tax pre-taxed, eyinzuzo enkulu. Ukongezelela, ezininzi iinkampani zinikela ngeminikelo ehambelanayo, eyinkululeko kuwe. Qiniseka ukuba uhlolisise isebe lakho lobutyebi bendalo ukuze ufumane ubuninzi obufunekayo ukufaka isandla ekufumaneni umdlalo.
Ngo-2015, umrhumo wenkxaso wenyuka ngama-$ 500, kwaye ungasindisa i-$ 18,000 kwi-401 yakho (k), 403 (b), 457, okanye iProgram ye-Thrift Savings Plan. Umda wokubambisa umrhumo wonk 'ubani ojika kwi-50 ngo-2015 uya kwanda, ukusuka kwii-5 500 ukuya kwii-6,000 zamawaka (ukwenzela ukuba kube negalelo elingaphezulu kwe-$ 24,000).
3. Gcina i-Raise. Enye yexesha elihle kuwo wonke umsebenzi wethu ngumhla esiwatshoyo ukuba sifumana ukuphakanyiswa. Ngelixa kunokuba kulula ukuba uphume kwaye uchithe imali eyongezelelweyo kwisikhephe esitsha okanye iholide, enye inkohliso ndiyibonile aba basindisayo basebenzisa ukulondoloza ubuncinci bemivuzo. Ezi ngxowankulu zingaphelela kwi-akhawunti yomhlala phantsi okanye i-akhawunti yomrhweba, ukuxuba, ukukunika imali kamva.
4. Abatyalomali. Izigidi zabantu abanamasheya bathabatha ukutyalomali kwabo kwiminyaka emininzi (kungekuphela nje iminyaka). Bayeke ulwahlulo lwabo luphinde lutyalomali kwixesha kwaye ngoko bathathe inxaxheba ekukhuleni kwexesha elide loqoqosho lwethu. Oku kwenza ukuba bahluke "kubasindisi," abatyala imali kuphela kwii-CD okanye kwiimarike zemali.
5. Ungesabi Ukucela Iingcebiso. Uninzi lwazigidi-mali aluyiyo-wena (DIY) abatyala-mali. Bayazi ukuba ziphi amandla abo, kwaye ukuba amandla abo awanakho ukubeka imali kunye nokucwangcisa imali, bayishiya kwiingcali.
6. Ukuhlawula i-Mortgage. Esinye isihluthulelo somntu "ocebileyo," kunye nesiganeko sabantu abahlala phantsi, banokukrazula imboleko ngeminyaka engama-65. Oku kunokuthetha ukuzenzela iintlawulo ezimbini okanye ezintathu ngonyaka okanye ukuhlawula imali encinane kwintlawulo nganye yenyanga. Le calculator yokuhlawulwa kwemali ye-mortgage ingakubonisa indlela iintlawulo ezongezelelweyo ezingakusondeza ngayo ubomi obungasetyenziswanga kwemali, kunye nokuba unomdla onjani ongayigcina ngokukhuphula imali yakho yokuhlawula imali.
7. Musa ukuzithoba kwiiFancy Toys. Ngokutsho kweqela le-Spectrem, eliye lalandelela kwaye lihlalutya imizi ecebileyo yesizwe ngeminyaka, "iindleko zemali zivame ukuzithengisa ngokuchitha imali yazo kwaye zingekho apho zithengela iingubo zengubo zezimpahla kunye nobucwebe imihla ngemihla." Bambalwa kakhulu abanama-BMWs, iMercedes, Iilandi ezingama-3,000, okanye ii-$ 5,000. Phantse ama-40 ekhulwini "abatyebi" bathenga iimoto zabo ezisetyenziswayo.
8. Efanelekileyo iNgxowa-mali. Ubungcono bomlinganiselo wakho we- FICO , ixabiso eliphantsi ezenzelwe ukuhlawula imali yakho yokubolekwa kwemali kunye nokuboleka kwemoto. "Isityebi" senza oku ngokuthwala imithwalo ephantsi.
9. Ukubeka iinjongo. Abantu abazizityebi abagcini nje ukukhubeka kwimpumelelo. Baceba kwaye babeka phambili phambili iinjongo zabo kwaye banqume indlela yokuphumeza ngayo. Izigidi zibona umbono ocacileyo koko zifuna, kwaye uthathe amanyathelo afanelekileyo ukuba ufike khona.
10. Impahla yeZakhiwo. Uninzi lwabantu "abazizityebi" bathenga amakhaya angahlawulwanga ngokugqithiseleyo okanye athathaka kwiindawo eziqashisayo. Bazigcina ngokufanelekileyo, okanye baziqashise ngokukhawuleza. Bahlawula imali yabo yokubanjiswa kwemali kwaye baphelisa ngeempahla ezihamba ngemali eza kunceda ekwenzeni umnini wabo ngokunyanisekileyo ngaphezu kweminyaka engama-30.
Iimfihlelo zokuba yi-millionaire aziyinto engaqondakaliyo njengoko unokucinga. Iimfumba ezincinci, ukusekwa kwinjongo kunye nokucwangcisa imali kwexesha elide kunokusondeza kuloo nombolo yesibhozo.
I-Balance ayinikezeli ngerhafu, utyalo-mali, okanye iingcebiso ngeenkonzo zezezimali. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.