8 Izifundo Zokufunda Kwiminyaka Eliwaka YeeMinyaka Eziye zahlala Umhlala-phantsi kunye neRandi 1 yezigidi
Ungathanda ukuthatha umhlalaphantsi nini?
Ngamashumi mathandathu anesihlanu? Amashumi amahlanu?
Akumele ulinde ixesha elide, uyazi.
Umbhangqwana waseCalifornia usandula umhlala-phantsi kwiminyaka engama-30 kunye ne-$ 1 yezigidi ebhankini, ngokwemagazini yaseForbes .
Kulungile, okwenyaniso, loo nto ephawulekayo yokubakho kwemali iya kuba yinto engenakwenzeka kuninzi lwethu kuba siyazi, ubomi. Na bantwana. Andiyi kukhanda into enjengale namakhwenkwe amane ukuba aphakamise.
Esi sibini - uTravis no-Amanda - abanabantwana. Benza imali enhle njengabachwephesha bezobuchwephesha kwaye sele beqhelile ama-$ 350,000 xa bathetha ukunqanda umsebenzi wabo ngonaphakade. Kananjalo banesakhono sokuncibilika kwesebe njengoko uza kubona. Sekunjalo, kuninzi ukufunda kule Miliyali mibili malunga neziqalo zokwakha iqanda lokuthatha umhlalaphantsi.
1. Yazi injongo yakho
Xa i-Travis yachithwa kumsebenzi we-IT ngo-2012 wathola intshisekelo entsha-inkululeko eyayingenakusebenza. Yena no-Amanda banquma ukuhlala phantsi ngokukhawuleza. Babecinga ukuba babefuna i-$ 1 yezigidi ukwenza oko kwenzeke. Esi sibini saceba ukuhlala ngeepesenti ezingama-3-iipesenti ezi-4 zexabiso lawo kwiphothifoliyo minyaka yonke kwaye kulindeleke ukuba i-7 ekhulwini likhule ngonyaka.
Ucinga njani ngomhlalaphantsi wakho? Ngaba uya kuhamba ngehlabathi? Qalisa ishishini elincinci? Unayo indlu yaselwandle? Ukwazi oko ufuna i-post-career yinyathelo lokuqala ekuzaliseni loo maphupha.
2. Yifake kunye
Ukuhlelwa kwemali yakho kukuvumela ukwazi ukuba ungaphi na ukuhamba phambili. U-Travis no-Amanda baqokelela yonke i-akhawunti yabo ehambelana nemali kwi-site ye-budget ye-intanethi yeMint.com kwaye yenze uhlaziyo olupheleleyo lwezinto zabo kunye neendleko. Oku kukhokelela ekuchithweni kwemali kunye nesisombululo (esilula) ukudibanisa ama-401ks angama-40 ukusuka koomqeshi wangaphambili.
3. Ukulondoloza okokuqala
Esi sibini sisindise malunga neepesenti ezingama-65 zokuhlawula kwabo ngexesha leminyaka emithathu kuthathwa ukuba zidibanise i-$ 1 yezigidi. Bahlala kwindlu yokuqeshisa elawula i-$ 2,200 yase-Oakland indlu (i-Baygain, ngokuqinisekileyo) kunye neendleko ezinqumle ngokuzenza izinto ezinjengokushayela ngaphantsi, kwaye zixhoma ukuhlamba ukuze zome ngomoya okhululekileyo.
Nantsi ingongoma yokukhulisa umlinganiselo wakho wokulondoloza: Zihlawule kuqala. Yenza imali yokunciphisa ngokuzenzekelayo kwi-paycheck yakho, ingaba ungena kwinkampani 401k okanye kwenye i-fund yomhlalaphantsi. Awunakuchitha imali ongayiboniyo.
Qaphela iiNtlawulo kunye neentlawulo
Imirhumo yindoda enkulu yokubuyela. Kufuneka uhlaziye kwaye uphendule yonke imirhumo oyihlawulayo, nakwiimali ngaphakathi kwi-401k yakho. U-Amanda noTravis bafaka imali yabo yokuthatha umhlalaphantsi kwi-ETF kunye neengxelo zemali. Ezi zihlawulwe ngokukhawuleza, njengoko le sibini ihamba ngaphezu kwama-60 ekhulwini kwi-S & P 500 ukususela ngo-2012 ukuya ku-2015.
Esi sibini esilungiselele phambili kwaye sakwazi ukuphepha i-10 yeepesenti ze-IRA ngokukhawuleza ukurhoxiswa kwesigwebo ngokusebenzisa i-Roth IRA yokuguqulwa kwamanqanaba. Esi sicwangciso esibhekisele phambili, badlulisela inani elithile lemali ngamnye ngonyaka ukusuka kwi-IRA yabo yendabuko kwiRoth yabo. Emva kweminyaka emi-5 edlulileyo ukusuka kwi-IRA yokuqala ukuya kwi-Roth guqulwa, babekwazi ukuphepha iminikelo yabo ye-Roth ngokulandelelana kwonyaka kunye nokuphepha ukukhawuleza ukuhlawula isohlwayo.
UYobhi Wakho UnguMoneymaker wakho wangempela
Kulula ukulibala, i-paycheck yakho yiphambili yesicwangciso sakho sokutyalomali. Nantoni na into ongayenza ukunyusa umvuzo wakho okanye ukongeza enye ingeniso (umsebenzi wesibini okanye ipropati yokuqashisa, umzekelo), iya kuqhubela phambili iinjongo zakho ngokukhawuleza.
Nangona wayemthiyile umsebenzi, uTravis wabuyela kwi-cubicle ukuze enze iphupha lokuthatha umhlalaphansi lizaliseke. Watshintsha imisebenzi kathathu kwiminyaka emithathu ukufumana ukunyuka kwemivuzo. U-Amanda unamathela emsebenzini wakhe njengenjini yikhemikhali. Ngomvuzo wabo, le sibini senza i $ 200,000.
6. Hambisa kwaye Gcina
Kulula kakhulu ukugcina xa iindleko zokuphila ziphantsi. Xa u-Amanda noTravis bemhlala umhlala-phantsi, bashiya i-Bay Area yabiza ingqondo yezindlu ezingama-270,000 e-Asheville, NC. Esi sibini sakhetha idolophu yeentaba kuba iindleko zokuphila ziphantsi.
Bakholelwa ukuba indlu yabo iza kuba lula ukurenta abavakhenkethi ngelixa isibini sisaqhubeka kwi-globe trot.
7. Lula kunye neClutlutter
Njengoko beza kumnqophiso wabo wokuthatha umhlalaphantsi, u-Amanda noTravis bathengisa izinto ezininzi kwizindlu zabo zamabini amabini. Baya kwi-retrait neento kuphela ababezisebenzisa nsuku zonke.
8. Cwangcisa imali yakho yokuchitha umhlalaphantsi
Sivame ukugxininisa ekusindiseni xa sixoxa ngesicwangciso somhlalaphantsi. Kodwa kufuneka ucinge ngenyameko malunga nenkcitho yakho yokusebenza emva kokuba ufuna iqanda lakho lembande likubone kwiminyaka emibili okanye emithathu. Siphila ixesha elide kule mihla, khumbula i-Bucks eyi-Rule Rule kwimikholam yangaphambili yangaphambili ye-AJC.
U-Travis no-Amanda baqeqeshwa kakhulu. Benqwenela ukuchitha ngaphezulu kwe-4 ekhulwini kwixabiso lawo langoku. Ngenxa yoko, ngamanye amaxesha kufuneka banqunywe imali xa iipotifoliyo zabo zixabisa ukudibanisa. Babambelele kulo mgaqo ngethuba lohambo lokuthatha umhlalaphantsi ehamba phambili ukusuka eSan Francisco ukuya eCosta Rica.
Benza olo hambo ngexabiso elingaphantsi, ukuqhuba (kunye nokulala) kwiToyota 4runner endala. ECosta Rica, baqeshisela indlu i-$ 1,000 ngenyanga-lingana no-30 ngobusuku. Baye badla ekhaya baze baqhekeza izinto zokuvakasha.
U-Travis no-Amanda batshela iForbes ukuba abayi kuphinda basebenze kwakhona. Kodwa bashiya umnyango uvule ukuba babe nabantwana. Kunzima ukukhulisa abantwana kule mihla kwimali yengeniso yee-30,000 zamaRandi okanye i-$ 40,000. Kodwa ukuba nabani na onokukwenza, ndibethelwa kwi-Travis no-Amanda.
Umzekelo wabo ogqithisayo uyabakhuthaza. Ukuba ezi zimbini zamashumi amathathu ziyakwazi ukugcina i-$ 650,000 kwiminyaka emithathu, ngokuqinisekileyo sinokufikelela kwiinjongo zethu zomhlala-phantsi kwiminyaka engama-20 okanye engama-30.
Konke oku kuyimfuneko, isicwangciso, nokuzinikela. Ngokuzibophelela ngokukodwa.