Ayikho imfihlo yokuba iwaka leminyaka linetyala. Enyanisweni, izigidi zeminyaka zijongene ne $ 1.1 trillion ye-3.6 trillion izikweletu zabathengi e-US
Inxalenye enkulu yaloo nto? Ityala lomfundi. Kuphela kwisizukulwana seminyaka eyi-1 kuphela, umboleko wesikolodo semali uye waphindwa kabini, kunye ne-average yemillennial abaphumelele ngee-30,000 zama-dollar kwimali-mboleko yezikolo. Ukongeza kuloo mali yokunyuka kwezindlu, imivuzo engaphantsi, nokuxhomekeka ngakumbi kwiinkonzo eziqhubekayo ngezinto ezifana nokuthutha kunye nokuzonwabisa, kunye nento enayo isizukulwana esinomvuzo kakhulu.
Nantsi i-akhawunti yeengxowa-mali ze-millennials-kunye nendlela abaya kuphuma kuyo.
Ityala leMali
Inkokhelo yemboleko yomfundi inxalenye enkulu yemali yemali yeminyaka eyi-millennial, kangangokuthi ama-34 ekhulwini lamawaka angama-75,000 angama-$ 75,000 athetha ukuba baya kukwazi ukubuyisela imali mboleko yabo. Abanye baqaphele ukuba ukuba netyala (nokuba netyala lomfundi) ngaphezu kwama-25,000 angama-25,000 kunokunciphisa ulonwabo.
Uphando luye lwabonisa ukuba ityala lesikhwama somfundi liyinqobo enkulu ekunciphiseni ubunini bezindlu phakathi kwewaka leminyaka.
Ukuqalisa imivuzo
I-Pair iphakamisa ityala lesikhwama somfundi ngokunciphisa umvuzo, kwaye unesizathu esithile sokuba isizathu sokuba izigidi zeminyaka ziboshwe ngamatyala amaninzi. Umvuzo weminyaka eyi-millennial ungaphezu kwama-35,000 wama-dollar ngo-2017, malunga neepesenti ezingama-20 ngaphantsi kwee-Baby Boomers ezenziwe kuloo minyaka (zilungisiwe.)
Iingxaki ze-Gig Economy
I-so-called economic ye-gig isigxina-kwaye kuqikelelwa ukuba malunga nama-20 ukuya kuma-30 ekhulwini kwabasebenzi bathatha inxaxheba kwimisebenzi yokuzimela yokuzimela.
Iminyaka eyi-Millennial ayikho into ekhoyo kule nkqubo. Ngoxa le nto inokuba yinto enhle kubantu abanenkathazo yokufumana umsebenzi wexesha elide, okanye abo banokukhetha ukusebenza kwigigu yecala njengendlela yokuxhasa enye iprojekthi yekhanuko okanye umsebenzi wezoshishino, akusikho ngaphandle kwayo.
Uninzi, ukuba awusiwo onke, iigigs ezingenakunikela ngeenzuzo zemveli zengqesho njengempilo yomshuwalense, iinkqubo zokulondoloza umhlala-phantsi, ikhefu eligulayo okanye ikhefu lokubeleka, okanye nakwezinye izinto ezifana nokuhlawulwa kwemali yokufundiswa okanye iidlovu zentlawulelo.
Nangona oku kubonakala ngathi kuyintengo encinci ukuhlawula inkululeko yokuphishekela inzondo yakho ngelixa uhlawula iibhili, banokukuhlawula ixesha elide.
Ukubambelela kwiiNgxowa-mali zabafundi
Nangona iimbono zinokubonakala zinzima kwiminyaka eminyaka, kukho ithemba. Uninzi lweeminyaka eziwaka-mali ezijongene nomatyala-mboleko lwabafundi banelungelo lokuhlawula imali ngokusekelwe kumvuzo wangoku, onokubanceda bahlale benabhajethi ebonakalayo ngakumbi baze bakwazi ukwandisa amandla abo okufumana.
Ubuninzi bobugcisa buyakhululwa ngemali mboleko yomfundi emva kwenani elithile leminyaka, kungakhathaliseki ukuba imali ihlawulwe. Ezi zikhetho ezintle kulabo abanenkinga yokuboleka imali.
Ukufumana iBhajethi engabonakaliyo
Xa ujongene netyala lesigqithiso njengetyala lekhadi lesikweletu, amawaka eminyaka kufuneka azame ukunamathela kwisabelomali yendabuko kwaye kufuneka agweme ukusebenzisa amakhadi ekhredithi njengendlela yokugcina ibhajethi yenyanga.
Ukuba i-pen-ne-iphepha okanye i-Excel iinguqulelo zebhajethi ayisebenzi, iqonga lokuhlawula imali kwi-intanethi njenge-Mint, i-Wally, okanye Ufuna uhlahlo lwabiwo-mali lulungileyo.
Ukuhlala ngaphandle kwerenti kunye neentsapho okanye kunye nabahlali nabo kwizindlu eziphantsi kweendleko okanye indlu ezinye iindlela zokuhlawula ngokukhawuleza amatyala.
Ezinye izinto
Ngokwamanye, iingxaki zemali zeminyaka eyi-mill (cingca: ukuphela kweendleko zezoqoqosho kunye nezindleko zokuthutha kunye nokuzonwabisa), kukho iindlela zokudala zokufumana isisombululo esinoxanduva kunye nesisisombululo.
Umzekelo, ukuba umntu akanako ukufikelela kwimveli 401 (k) kunye neenketho ezihambelana nomqeshi, oko akuthethi ukuba kufuneka atyathele ukugcina umhlalaphantsi ngokupheleleyo. Kunoko, ukumisa iRoth IRA okanye i-IRA yeNdabuko enye. Nceda uqiniseke ukuba umisa umrhumo oqhubekayo nyanga nganye, kwakunye nokutshala imali ngokukhawuleza ukuze ukwandise imali.
Kude neendleko zokuzonwabisa kunye nokuthutha, ukuhanjiswa koluntu kunokwenzeka ukhetho oluncinci. Ukuba izithuthi zikawonke-wonke azifumaneki, ukhetho lokunikezela ngokukhenketha njenge-Uber Pool yindlela ephantsi, kunye ne-carpool kunye nabahlobo okanye osebenza nabo, okanye nokuba uhamba ngebhayisikili. Ukukhetha okuzonwabisa okuncinci, zama ukusika intambo kwikhebula kunye nokusebenzisa inkonzo enokuthengiselana engancinci njengeNetflix okanye iHulu endaweni yoko.
Nangona i-millennial kwezoqoqosho lwanamhlanje ayilula, ukuphumeza izi ngcebiso zingentla kunokunceda ukuseka indlela yokukhuseleko lwezezimali, ekugqibeleni, ukuchuma.