Izazi zenzululwazi Zibala Iimali Ezingakanani Ukwandisa Injabulo
Ngaba unethemba lokukwakha ikhaya lakho iphupha ngokupheleleyo? Ngaba unqwenela ukuhamba kwi-jet yangasese? Impendulo kule miba yemibuzo iya kugqiba indlela ongayifumana ngayo xa kuvela ekwakheni, ekuxhaseni, nasekukhuseleni iphothifoliyo yakho yokutshala imali .
Esinye isingeniso onokuhlala udibana nayo yinto yokuba ulonwabo lufana nobutyebi. Enye ingxaki kunye nokucinga ukuba kwanokuba amalungu enu entsapho anokulindela ngokungafaniyo "into". Iingcali zenzululwazi ezinje ezifana noDennis Gilbert zichaza "izityebi" njengabo abahlala kwiityalo-mali kunye neengeniso ezisebenzayo. Ngalo mqathango, ugqirha, nokuba omnye ofumana i-$ 1 yezigidi ngonyaka, akacebile njengomntu ofumana imali eyi-1 yezigidi ezivela kwiimpahla , izibophelelo , ii- estate , copyright, okanye enye imithombo engenayo engenayo . Isizathu sithetha ngokuphathelele ixesha. Umtyalo-mali unokuhlala ekhaya aze enze imali, ngelixa ugqirha eyeka ukufumana umvuzo xa ehluleka ukuya emsebenzini.
Uhlawulwa kuphela ukuba uyaqhubeka ethengisa umsebenzi wakhe. Abanye bangachaza ukuba bazityebi ngeemetriki ezahlukeneyo kunye nemilinganiselo.
Iphelile, abaninzi abatshali-mali abadingeki ukuba batyebi ukuze babe novuyo
Inyaniso kukuba, abaninzi abantu abanqwenela ukuba batyebi xa kuhla. Oku kwaxhaswa kwinqanaba eliphambili lokuphononongwa ngontanga nguDaniel Kahneman kunye no-Angus Deaton kwiziko lezeMpilo kunye nokuPhila kakuhle kwiYunivesithi yasePrinceton ebonisa ukuba imali iyathenga i-$ 75,000 ngonyaka.
Ngamanye amazwi, xa usenza i-$ 75,000 ngonyaka, amava akho kwansuku ayiphucula kakhulu njengoko imali yakho engenayo ikhula. "Ukwaneliseka kobomi" bakho-oko kukuthi, indlela ozivakalelwa ngayo malunga nento oyenzile. Umlinganiselo owuthandayo umsebenzi wakho ugosa ikhekhe. Kubonakala kunengqiqo ukuba abaninzi abatyala-mali abatsha kufuneka bajolise ekubeni bangayifumana njani loo nyaka ngamnye, ukuba bengenayo.
Oko kuthetha ukuba inkqubo yotyalo-mpu melelo yenzelwe ukukunceda:
- Ukuphila ngaphandle kwetyala. Ukuba ungekho ityala, kunzima nakakhulu ukuhlawula.
- Gwema uxinzelelo lwezezimali ngokukwakha, ukugcina, nokukhusela iqoqo leentlobo ezahlukeneyo zokutyalo-mali oluphakamileyo olukunika indlela ophila ngayo.
- Gcina unobungozi obaneleyo bomshuwalense ukuze ungakhathazeki ngokulahlekelwa yinto yonke ukuba kukho into engalunganga.
- Yiba nemithombo eyahlukeneyo yengeniso ukuze ungathembeli kumsebenzi omnye okanye umthombo wenkcitho engenako ukubeka intsapho yakho engozini xa ithe yalalalala busuku.
Ukubonakalisa iNqanaba eliKhuselekileyo lokuKhutshwa koNwabo lokuNwabela ngemali yakho
Ukuba kuthatha i-$ 75,000 ngonyaka ukuba ujabule, imali efunekayo kwipotifoliyo yakho ukuvelisa loo mgangatho wokuhamba kwemali? Impendulo: Kuxhomekeke kwiiklasi ze-asethi ozikhethile.
Ngokomzekelo, eMidwest ekupheleni konyaka we-2016, kunokwenzeka ukuba umtyalo-mali ongenatyala ukufezekisa into enjalo kunye nephothifoliyo yezindlu zokuqeshisa okanye izakhiwo zeofisi zorhwebo ezixabiswe kwindawo ethile phakathi kwe-$ 800,000 kunye ne-$ 1,000,000, into eya kuba yinto yonke akunakwenzeka kwimarike efana ne-Southern California okanye iNew York. Ukuba uzimisele ukusebenzisa umlinganiselo onokuzithengisa, ungayikhupha ngokulinganayo; Esinye sezizathu zokuba isakhiwo sithandwa kakhulu ngumntu ocebileyo.
Ngaphandle koko, iipotifoliyo ezahlukahlukeneyo zeempahla kunye nezibhondi zingadinga ukuvela kwi $ 1,875,000 ukuya kwii-2,500,000 zama-$ ukuba zilandela izikhokelo ezihambelana nezibalo zokudweba ngaphantsi kwama-3 ekhulwini ukuya kuma-4 ekhulwini kwixabiso le-portfolio ngonyaka. Yimalini yokuKhutshwa koKhuseleko?
). Kulandela ukuba xa usuka ngaphaya kwelo, imali eninzi ayiyi kuthetha intsonwabo ngakumbi.
Ukufumana intsapho esebenzayo kunye nengeniso yendlu yonyaka phakathi kwama-$ 50,000, iphothifoliyo ifuna kuphela ukuletha imali engama-25,000 kwi-$ 25,000 okanye ngokokuhamba kwemali ukukhawulela i-gap ukuya kwintlalo yolonwabo. Oku kwenza umsebenzi unzima kakhulu xa uncinci, ngokukodwa ukuba usebenzise ama- 401 (k) ukulingana nomqeshi kunye nokuxhasa iRoth IRA , ukufumana inzuzo enkulu yerhafu njengoko uqokelela imali.