01 Indlela Yokujongana Nokuthatha Umhlala -
Kwinqaku leyinyathelo-ngeyinyathelo, siya kukunika iingcamango ezinzulu malunga nendlela yokujongana nomhlala phantsi. Indlela yokukhusela utyalo-mali, qhubela phambili, kwaye uqale ubomi bakho obutsha.
I-Old Paradigm ye "Nkampani" Indoda okanye uMfazi ufile
Isizukulwana esidlulileyo, indoda okanye ibhinqa iya kusebenza yinkampani, inomsebenzi omde kwaye uphumelele ukukhonza lo msebenzi. Ukutshintshiselwa, unikwe umhlala-phantsi okhululekile ngokusebenzisa inkqubo yempesheni yenkampani, ukunyuka kwehlawule ngokukhawuleza, inzuzo yezempilo eninzi, kunye ne-bevy yeenzuzo ezibandakanya abancedisayo, ikhofi yamahhala, indawo yokutya ekuncedeni ukutya okunyanzelekayo, kunye nezinye iindleko Amanyathelo okugcina abasebenzi abaninzi abazange bawaqonde ngokupheleleyo. Namhlanje, kuwo onke amacandelo ambalwa okanye amashishini ambalwa, loo mava aphelile. Olu tshintsho luyisiphumo "sokutshatyalaliswa kokudala", igama eliqulunqwe ngo-1942 nguJoseph Schumpeter.
02 I-Old Paradigm ye "Nkampani" Indoda okanye uMfazi ufile
Nangona oko uva kwiintlobo ezimbalwa zeendaba, ezo zinguqu zinokuthi zibe zilungileyo kakhulu kuqoqosho lwaseMelika. Amashishini awanikezela kakhulu, aphuma, ayengenakukwazi ukufumana ukuxhamla kwabo baqeshwe kwabasebenzi. Ngoku, isizukulwana sangoku sihlawulela ezo mpazamo ngokuchithwa kwamashishini. Kulo shishini lomoya, umzekelo, abaninzi banomsindo kwimimiselo ephakamileyo yexesha elidlulileyo. Sekunjalo, into abayayiyiqonda kukuba "intsapho" yonke ukuba ucinga nge-US ngale ndlela, ingcono kakhulu - cinga ukuba ukuhamba ngeenxa zonke kwilizwe ngokukhawuleza kuhlawule amawaka eedola (ezingatshintshiyo ukunyuka kwamaxabiso! ). Namhlanje, amashishini kunye neentsapho banako ukuhamba malunga naphi na ilizwe ngeqhekeza leendleko, okubangela ukuba kubekho umgangatho osemgangathweni wokuphila kuwo wonke umntu ngaphandle kweshishini. (Akutsho ukuba awukwazi ukukhula ucebile ngelixa usebenza kwishishini elinjalo. Ngolwazi oluthe vetshe, funda uEweginia, Wena Unokuba Unotyebi .)
Sekunjalo, i-ramifications icacile: Ezi mpu melelo ziya kuvezwa yiinkampani. Ngubani oneenkampani? Oku kunene - abanini-zimvo ngabanye; wonke umntu ovela kwi-Grandma ukuya kumsebenzi wefestile wendawo, kunye namagqwetha aphakamileyo aphezulu kwi-Park Avenue. Ukuba ugxila ekusebenziseni imali yakho ukuze uzuze ubunini beMelika, Inc. unokwenza oku, kakhulu kwixesha elide. Nangona kunjalo, ukuba ulindele ukukwazi ukuchitha yonke imali engenayo kwaye usenokuba ne-static existence yexesha elidlulileyo, uya kudana xa ukhula njengoko uqonda ukuba awukwazi ukusebenza kwaye unako Ndihlawule i-bill yakho yokushisa. Into enhle malunga neli lizwe kukuba ihla kumntu ngamnye. Awukwazi ukuqala ngalolo hambo uze ugqitywe, ngokuphantsi, ukuba nguye kuphela onokukubonelela ngomhlalaphantsi wakho.
03 Lungisa Ulwakhiwo lweNkcitho yakho ngokukhawuleza
Isizathu esona sizathu esona sizathu sokuba abantu bangene enkingeni xa bebetha imali engalindelekanga kukuba baqhubeka bephila ngokufanayo njengoko benza ngaphambili ngaphandle kokulungiswa kwesakhiwo sabo seendleko. Inkokhelo yendlu efanayo. Inkokhelo efanayo yemoto. Iimpawu ezifanayo ezifana ne-4 ii-coffees kunye nealadi ezidibanisa kwizikhundla zamasemini ezinamandla - nantoni na eyenzekayo ukuba yiyakho imfuno.
Endaweni yoko, kufuneka unqunyulwe ngokukhawuleza zonke iindleko ezingezizo ezibalulekileyo, nokuba ucinga ukuba unako ukuzihlawula uze uhlale phantsi uze ufake ipenethi kwiphepha ukuze ufumane ingcamango yokuba uhlala phi. Gweba iincwadana zakho, zama ukuhamba okanye ugibele ibhayisiki ukuba ungekho ukuqhuba, kwaye mhlawumbi uthengise imoto entsha kwaye uyifake indawo enhle kodwa isebenzise enye. Isibalulekileyo apha kukuqinisekisa ukuba ukufaneleka kwakho kwempahla akuyi kuqalisa ukuphala kwempumlo ngenxa yokuba uphila kwi-savings, ukutshisa ngemali.
Unokufuna ukuqwalasela umsebenzi wexeshana kumsebenzi ophantsi ohlawulayo ukugcina imali yakho ihamba kakuhle kwaye ukhusele intsapho yakho. Cinga ukuba ngumhloli kwiWal-Mart okanye kwi- Home Depot ; mhlawumbi uvule indawo ye-e-yorhwebo ukuze uzame ukuvelisa imali ngewebhu. Kungakhathaliseki ukuba yiyiphi, injongo apha ayiyiyo umsebenzi kodwa ukukhusela ibhalansi yakho ngokufumana okwaneleyo, xa kuhlanganiswe neendleko zakho zokunciphisa iindleko, kukukhokelela ekunyatheleni amanzi ngemali.
04 Musa ukuwuthinta wakho 401k! Ngokukodwa!
Andikhathali ukuba indlu yakho isitshise kwaye uhambe kuyo yonke indawo yokugcina imali yakho - ungalokothi uthabathe imali yakho kwi-akhawunti yakho ye- 401k kusasa kuba unenkqubela yokuhamba kwexesha elifutshane. Ndiya kuthi: I-STUPID. Ndixolisa ngenxa yokungathethi, kodwa ivela kwindawo efanayo yothando njengoko utata encokola nentombi yakhe yeshumi elivisayo malunga neengozi zokuhlala emva kwexesha lokuhlwa ebusuku - sifuna nje okulungileyo kuwe! Ngenxa yokuba ukuhoxiswa kwakho akuyi kuhlawulwa kuphela kwiirhafu eziqhelekileyo kodwa kunesibonelelo sentlawulo esongezelelweyo yeshumi ehlawulwa phezu kwabo - ungakhankanyeli ukuba ulahlekelwe yonke into enokuyilungisa ukuba uyenze okwangoku - kwaye Ubuncwane bokwenene obusondeleyo buyinkxalabo .
Ngokomzekelo, ukuba uneminyaka engamashumi amabini ukusuka kude nomhlalaphantsi kwaye uhoxisa i-$ 25,000 kwi- 401k yakho ukufumana iziphelo kunye nokuhlawula amatyala akho, uya kulahleka malunga ne-201558 yee-cash kwimali ezayo eyayiza kudala i-$ 1,000 ngenyanga ngenyanga yengeniso yakho yomhlalaphantsi. ngaphandle kokuthintela inqununu. Yintoni oyifumanayo? Xa ucinga ukuba ungama-25% kwibakethi, kunye nesohlwayo esongezelelweyo, uza kufumana imali eyi-16,250 ngemali namhlanje. Yiyiphi na enokuyenza? Bhatala iindleko zakho ngoku kwaye uzive ungcono kakhulu nge $ 16,250 ngekheshi okanye ulinde uze ube nesamba semali esingu-201,558 yeeRhafu ezinokuxhasa uxhaso lwemali yobomi? Kunoko, abacwangcisi bezemali abaziwayo njengoSuze Orman bancomele ukuba uvule ikhadi lekhredithi elinomdla wepesenti kwithuba elongezelelweyo lexesha kwaye uphile kuyo uze ufumane omnye umsebenzi. Ngethuba nje unokunyamekela ibhilikhwe phambi kokuba umyinge wenzalo uphindise izinga eliphakamileyo, uya kuphelisa ngokude, imali engaphezulu kwixesha elide. Yimali eninzi ukukunceda ukuba wena kunye nosapho lwakho uphuphe.
05 Musa ukulibala ukusebenzisa i-Rollover IRA
Ukwakhiwa kwinqanaba lethu lokugqibela, isilingo esikhulu kubantu abathile ukuba bafumane imali kuphela kwisicwangciso sabo somhlala-phantsi. Kwakhona, loo nto yayiyiphutha elibi ngokubhekiselele kwimpumelelo yakho yemali yexesha elide. Iinqunto zakho kukulungelelanisa ii- asethi zakho ezingama- 401k kwi- IRA entsha ebizwa ngokuthi "i-rollover" IRA kwiziko lezemali ezifana nenkampani yakho yokuthengisa okanye ibhanki okanye ubeke imali kwi-IRA ekhoyo. Ikhetho lokuqala libhetele ngakumbi kwiimbono zombini kuba ukuba umqeshi wakho wexesha elizayo ekuvumela ukuba ulethe i-asethi yakho endala kwisicwangciso sakho somhlala-phantsi oxhaswe ngenkampani, ungashenxisa kubo kwisicwangciso sakho esitsha se-401k emva kokuba uqeshwe. Ukuba udibanisa iimpahla, kunjalo, ulahlekelwa yinhlanhla.
Kwakhona, ukhetho olungcono kukuba umqeshi uqoke imali ngokukhawuleza kwi-akhawunti yakho entsha. Ngaphandle koko, uzakujongana ne-IRS enyanzelisayo yokubamba ipesenti ezingamashumi amabini.
06 Khangela Umlingani wakho okanye Umvuzo woNcedo loMlingane
Lo usemfutshane kwaye uya ku-nqanaba kodwa kubaluleke kakhulu. Ngamanye amaxesha, unako ukufumana ingqalelo kumqeshi wakho womlingane. Ukongezelela ukugcina imali eyinqobo yokutyalo-mali ngokunciphisa iindleko, oku kunokukunceda ekukhuseleni ixesha lokuzama ukufumana umsebenzi omtsha okanye umkhondo kwimeko apho kukho ingozi enkulu yonyango okanye yobomi. Ngokuqhelekileyo, lakho iqabane okanye iqabane liza kufuneka lijonge kunye neSebe loluntu ukuze lifumane ukuba zeziphi iinketho ezifumaneka kuzo kwaye ziziphi iindleko
Enye into ongathanda ukuyiqwalasela ukuba ingahlawulwanga ngumqeshi womlingane wakho yinshurensi yokukhubazeka. Oku kuya kukukhusela wena kunye nosapho lwakho kwimeko apho ukhubazeka kakhulu. Ngokuqhelekileyo, kukho iintlobo ezimbini ze-inshurensi yokukhubazeka: ixeshana elifutshane elibandakanya naphi na kwiiveki ezimbini ukuya kwiminyaka emibini, kwaye ixesha elide elibandakanya ixesha elingaphezu kweminyaka emibini. Ngokwenene, ithatha indawo yakho yengeniso ukuba awukwazi ukusebenza ngenxa yokukhubazeka, enokukunceda ukuba ungabikho utyalo lwakho mali kunye neakhawunti yomhlala-phantsi ukuze uhlawule iinkonzo zonyango.
07 Ngaba kufuneka uthathe i-Buyout?
Ngokuqhelekileyo, ngomgudu wokwanelisa bobabini abanini-nxaxheba kunye neenkonzo zabo, iBhodi yabaLawuli, abafuna ukunciphisa iindleko zokugcina i-nkampani kunye / okanye ukuphucula ukusebenza ngelixa bephephe ukuxhatshazwa okubuhlungu, ulawulo luya kubanika abasebenzi ithuba lokuthenga iiphakheji zokuqala, ukubenza babe Ukuthatha umhlalaphantsi kwangoko kushintshana kwinqanaba elinqunjweyo leenzuzo eziqinisekileyo ezifana nokuhlawulwa kwemali, i-annuity lifetime, njl. Oku kunene ithuluzi elikhulu kuba livumela abo bafuna ukuphuma ukwenza njalo kwizinga elingentla ngaphezulu, , uyabenza bavuyiswe ngoxa bekunye ixesha lokugcina abasebenzi abaninzi njengokuba kunokwenzeka kubasebenzi abafuna ukuqhubeka besebenza. Ngoko, uyayazi njani ukuba ungayifumani isipho sokuthenga umhlalaphantsi kwangaphambili?
Zibuze le mibuzo ...
- Ngaba ndiyamthanda oko ndenzayo? Ngaba ndibonisa ukusebenzela into engaphezu kwemali okanye ngaba ndiyinomdla kwi-paycheck? Ukuba impendulo yile yokugqibela, unokufuna ukuthatha ukuthenga nokuthatha umhlalaphantsi kusasa.
- Ngaba ndiyakwazi ukufumana umsebenzi owongezelelweyo ngokukhawuleza ukwenzela ukuba ukuthengwa kungeniswa kwii-akhawunti ezikhoyo zomhlalaphantsi? Imali ingaba yinto enokongezwayo eyongezelelweyo eyinokukufuphi ngokusondeleyo kwiinjongo zakho zemali ukuba utyalwe ngokuhlakanipha.
- Ndithini na ukuba ndiqinisekile ukuba ukuba andiyi kuthatha i-offerout offer, ndiza kulahlwa na? Ngokuqhelekileyo, abasebenzi abangathathi ikhefu lokuthatha umhlalaphantsi ngaphambi kokuthatha umhlalaphantsi kwaye bafakwa kwikhefu kunye neqhezu yento ababeza kuyifumana ngayo xa bekhethe ukuba bahambe ngokuzithandela. Ngelishwa, oku kungumdlalo weengxaki - ngaba unayo inkampani ekhangeleyo ngokuzisa iisethi zekhono ezithile ezingabanjwanga ngokubanzi ngabanye abasebenzi? Ingaba kuyinto engabizi ukuphelisa umsebenzi wakho kwaye ube ngumsebenzi ophantsi ohlawulelwayo? Ngaba unemali yokuthatha loo mngcipheko? Ukuba akunjalo, unokufuna ukuqwalasela ukunikezelwa kokuthengwa kwaye uthathe umhlalaphantsi ekuqaleni.
08 Kunzima ... Kodwa Ungayithathi Ngomntu
Le ngxenye ebunzima. Abantu abaninzi bajonga umsebenzi wabo njengokongezwa kwezazisi zabo. Abakwazi ukwahlula ixabiso labo langaphakathi kunye nokuzithemba kwabo kwizinto abazenzayo; umdwebi ulinganisa impumelelo yakhe kwamukelwa uluntu lwakhe, inkwenkwezi ye-opera kwii-ovations eziboniswe ngabaphulaphuli ngexesha lokufowunelwa, umphathi wezoshishino kwiingeniso aphendukela kuba ngumphathi wakhe, kunye nomsebenzi wefesti emgangathweni womveliso avelisa . Xa umntu ngokukhawuleza eze kuwe athi, "Siyabonga, kodwa asinakukudinga kwakhona," kungonakalisa nje ngezinga lezemali, kodwa kunye neqondo elifanayo.
Into ebalulekileyo kukujonga oku njengethuba. Ngaba ufuna ukuba kwenzeke? Mhlawumbi akunjalo. Kodwa ngoku unalo ithuba lokutshintsha ubomi bakho kwaye ulungiselele indlela ofunayo; isiqalo esitsha. Ngethuba nje ukuphepha iimpazamo esiye sathetha ngazo - ukufumana imali engama-401k, uhlala kunye nesakhiwo senkcitho efanayo, uhlala ngaphandle kwabasebenzi xa ukhangele umsebenzi "opheleleyo" kunokuthatha into eyenza imali okwangoku - kufuneka ukwazi ukuhamba ngeenyawo zakho. Okwangoku, unokufuna ukujonga ezinye zamanye amanqaku malunga nomhlalaphantsi ...