Sebenzisa "I-Bucket Approach" kunye ne-Shift yakho yonke iParadigm
Ukuba ulandele imfihlelo yethu yesihlanu yemali yecandelo leenqabileyo ezithatha umhlalaphantsi, uyazi ukuba sifike kwimfihlo # 5! Ngaphambi kokuba sixoxe ngendlela imali yakho ingenza ngayo imali, makhe sihlaziye iimfihlo ezine zokuqala:
Imfihlo Yemali # 1: Qinisekisa into oyifunayo nokuba imali iya kubangela njani ubomi obunokuphila
Imfihlelo Yemali # 2: Bonisa ukuba ufuna kukuthatha umhlalaphantsi
Imfihlo Yemali # 3: Ukuhlawula imali yakho yokuthenga ... ngokukhawuleza!
Imfihlo Yemali # 4: Ukuphuhlisa imilambo eninzi yengeniso
Imali yokugqibela yemfihlo yongezwa ngemfihlo yemali # 4 kunye nokubaluleka kokuphuhlisa imilambo eninzi yengeniso xa uhlala kwiminyaka yakho yomhlalaphantsi. Sixoxe ngemimandla emine yengeniso ebandakanya umsebenzi wexeshana, impatho yempesheni, ingeniso yokhuseleko loluntu, kunye nezakhiwo zokuqashisa. Ngamnye wale mijelo inokufaka isandla kakhulu kwiholo lakho lomhlalaphantsi. Kodwa kukho enye ingeniso ebalulekileyo yokufumana imali kunye nendlela ebalulekileyo yokuvelisa ukuhamba kwemali ehambelana nokutyalomali. Kubizwa ngokuba utyalo-mali .
Imfihlo Yemali # 5: Yiba Ngumvuzo-mali
Njengomcwangcisi wezezimali, ndathetha nabathengi bam iminyaka ngemayelana nendlela ethile yokufumana imali yokufumana imali. Ndiyibiza ngokuthi "Indlela yeBhakethi." Le ndlela yendlela yokucinga engatshintsha yonke iparadim. I-Bucket Approach ivela entliziyweni yefilosofi yami "Ukulala Ebusuku," idibene nombono wokuba ungathatha umhlalaphantsi kusasa kwaye uthatha umhlalaphantsi ujabule.
Ngale ndlela, uya kuqala ukucinga ngemali yakho eya kwiibhakethi ezine ezihlukeneyo: ibhakethi yemali, ibhakethi yengeniso, ibhakethi yokukhula kunye nebhakethi yokufumana enye.
Ibhakethi yemali : Le yimali oyityala kwi-akhawunti ye-FDIC-insured. Inqununu ikhuselekile i-100%, kodwa ingenayo inzala. Le mali yimpahla yakho ezinzile kunye neyomhlaba.
Imali kule bhakethi kufuneka isetyenziswe ngemali engxamisekileyo kunye nayiphi na imali engaphezulu ongayimfuneko kunyaka ozayo okanye ezimbini.
Ibhakethi yeNgeniso: Iminikelo yeli bhakethi isetyenzisiwe kwiintlobo ezahlukeneyo zeebhondi- Uvimba-mali, umashishini, umasipala, isivuno esiphezulu, i-TIPS, ihlabathi lamazwe ajikelezayo. Bakukunika inzala yengeniso. Iphothifoliyo yezibophelelo ezinxulumene nazo kufuneka zikhusele inqununu yakho. Ukuchithwa kweli bhakethi kubaluleke ngakumbi ekukhuliseni ukubuya kwakho ngexesha.
Bucket Growth: Le ibhakethi ibandakanya imali yakho etyalomali kwiisitokisi. Ukuba uhlala "kwindawo yokuqokelela" yobomi (25-55) qwa lasela ukugcina amasheya okukhula. Abahlala kwiingxowa-mali kufuneka bajolise kwizabelo ezihlawulelwayo.
I-Bucket yeNgeniso enye: Le ibhakethi iquka naluphi na utyalo-mali olungafanelekanga kakuhle kwingeniso okanye kwibhakethi yokukhula. Umzekelo, amandla olawulo lwama-royal (amashishini athengiswa ngorhulumente kunye ne-gas) namasheya e-MLP (iipayipi kunye neenkampani zokugcinwa kwamandla) ezithengisa nje ngeempahla eziqhelekileyo kwi-NYSE okanye ezinye iindwendwe ezinkulu kodwa azihlawuleli izabelo zemveli okanye inzala. Kulo mzekelo, ezi nkampani zihlawula "ukuhanjiswa."
Ngoku ukuba uyayazi iimfihlo ezihlanu zemali zabahlali abahlala bevuya kakhulu, lixesha lokuba basebenze!
Khumbula, umbono onawo wokuhlala umhlala-phantsi kwaye uvuyo ufikeleleke!
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo 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. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.