Ukuthambekela kokuhlala ngokuqinile akusoloko kuyinto embi xa kuziwa kwiimali zakho. Thatha utyalo-mali, umzekelo: I-set-it-and-forget-it (okanye, ngokuchanekileyo, i-set-and-check-in-it-njalo-njalo-njalo) kwiimpahla ezikhoyo Ukubamba kwi-akhawunti yakho yomhlalaphantsi phantse kubhetele kunomntu osabelayo. Kodwa kukho ezinye iindlela ezininzi ze-inertia ezinokukulimaza ngemali.
Ukuhlala ixesha elide kumsebenzi ophantsi ohlawulayo, umzekelo, kunokuthetha ukulahlekelwa ngumvuzo. Ukuhluleka ukuhlaziya (okanye ukudala) isicwangciso sakho sempahla singaphindela ngemiphumo emibi. Uze ulindele ukukhuphula imali yakho kunye nokutshala imali? Ewe, lixesha awuyi kubuya.
Ngoko siphumelela njani inertia? Iqala ngokuqonda ukuba ukungenzi nto into ngokwayo isenzo kunye nokuzikhethela-kwaye zonke izenzo zineziphumo. Ngamanye amaxesha oko kusenza sihlale sihlalutya kucinga ngeendleko, intlungu, okanye indleko yokufumana into ethile. Kodwa asiyihlolisisi i-flipside: Iindleko, intlungu okanye ithuba lokungenzi nto.
Ukuxazulula ingxaki yakho ethile, cinga kwakhona kwi-physics yesikolo esiphakamileyo-ngokukodwa uMthetho woMthetho wokuQala kaNewton, othi into ekuphumleni iya kuhlala iphumle ngaphandle kokuba isebenze ngamandla angaphandle. "Xa kukho inertia, udinga into esuka ngaphandle uze ungene ukukhaba," utshilo uSarah Newcomb, uqoqosho lwezoqoqosho kwi-Morningstar.
"Inertia ayiyikuzilungisa. Kufuneka wenze okuthile malunga nalo. "
Nazi iindlela ezintathu zokubangela ukuba i-inertia ikukhathaze ixesha elide - kunye nendlela yokufikelela kuyo.
Ulindele ukuGcina nokuTyala
Ingxaki: Ukulwa ne-inertia yinto enzima ukuyenza, ngokukodwa kubantu abathanda ukufumana zonke iimpendulo ngaphambi kokuba batyelele into ethile.
Kodwa kwihlabathi lokutshala imali, akukho zimpendulo ezigqibeleleyo-ngoko mhlawumbi awusoze uzive u-100 ekhulwini ukulungele. "Enye yezona mpazamo eziphambili abantu abazenzayo ukulibazisa ukubeka imali yabo emsebenzini" ngenxa yokuba banenkxalabo yokuba bayakuphosakela kwaye balahlekelwe yimali, "kusho uKen Hevert, oyintloko kumongameli we-retrait at Fidelity Investments. Ngaba lixesha elifanelekileyo lokutshala imali ? Kuthekani ukuba amaxabiso ahla? Kuthekani ukuba ndikhetha i- investment ?
Ezi ziqondakalayo - kodwa ezingenakuphendulwa - imibuzo. Uza kunqoba kunye nokulahlekelwa kwiimarike, kodwa kuphela ngokuba khona unalo ithuba lokufumana okulungileyo kunokuba kungalunganga. Ngokwahlukileyo, ukuba ubeka imali yakho phantsi kwe-mattress okanye kwi-akhawunti yokulondoloza, sele ufumene kakubi, njengoko ukunyuka kwamaxabiso kuthetha ukuba ulahlekelwa yimali.
I-Fix: Ukulinganisela kweendleko zeeDola kunokunceda ukuphelisa ukwesaba kwakho. Xa umyinge weendleko-dolophu, ubeka imali yakho kwiimarike ngexesha eliqhelekileyo. Yithi unayo imali engama-5,000 kwi-investor: Esikhundleni sokubeka imali epheleleyo ukusebenza ngokukhawuleza, unako ukuhambisa loo $ 5,000 kwixesha leveki okanye kwiinyanga. Kulula kakhulu ngokomzwelo kuba udibanisa i-toe (kunye nxalenye yemali yakho) kumanzi atyalomali endaweni yokudibela ngaphakathi.
Ukwahlula ngokwakho ukuzama ukuzama ukuhamba ngexesha lemarike, uthi uHevert. Kananjalo unako ukususa imvakalelo esuka kwi-equation ngokuzenzekelayo lezi zidiphozithi, ngoko akumele ujongane noloyiko lonke ixesha utyalo inxalenye yemali.
Ukuhlala ixesha elide kwiZenzo eziMgangatho ophantsi
Ingxaki: Akukho mntu uzimisele nje olunye usuku abaya kuchitha iminyaka elisebenza ngaphantsi kunokuba bafanelekile. Kodwa ukubeka izinto zakho kwiindlela ezingcono zokuhlawula kungenza into enzima ukuyenza. Ngoba? Ihla phantsi kwengqondo yengqondo yakho, utsho uQeqesho lobomi bezeMali uGarrett Philbin, umsunguli wewebhusayithi Yiba Yinto Engabonakaliyo. "Umbuzo: 'Ngaba ndifanelekile ukwenza imali engaphezulu?'"
Kwaye uhlala uhlala kwiimeko ezinje, kunzima ukuphuma. (IMillennials, qaphela: Kubaluleke kakhulu ukuba uzuze ngokubanzi njengoko unakho kumanqanaba okuqala komsebenzi wakho, kuba zonke izinto eziqhubekayo ziphakamisa kwaye zikhulise ngokubanzi ziya kusekelwe kumvuzo wakho wangaphambili.) Nangona umqeshi omtsha engazi into oyenzayo kumsebenzi wakho wokugqibela, kuya kuba nefuthe yakho ingqiqo yento onokuyicela.
"Ukuba awuyixabiseli uqobo lwakho, kutheni umntu oza kukuhlawula imali ngaphezulu?" Utsho uPhilbin.
I-Fix: Udinga ukwandisa ixabiso o libona kuwe. Enye indlela yokuqala kukulandelela oko ufezekileyo emsebenzini. Khangela inkcazo yomsebenzi wokuqala kunye nekhono lomphathi wakho, uze uqhathanise neempendulo ozifumene kunye naliphi na manani ekhonkco abonisa ukusebenza kwakho (njengokuthengisa okanye iimitha). Hlanganisa konke oku kwifolda ebizwa ngokuthi "ukufezekiswa" oyongeza kwi-year round. Emva koko, sebenzisa isayithi efana ne-PayScale ukufaka isihloko sakho somsebenzi, imisebenzi, ubungakanani besixeko kunye nenkampani - iya kukunika umvuzo omyinge womntu onendawo efanayo. Ukuba ukhetha ukuhlala emsebenzini wakho wangoku (okanye kunye nenkampani yakho yangoku) cela umhlangano wokuhlaziya, uze ubonise imeko yakho. Ukuba inkampani yakho ayikwazi ukunika amandla okufunayo, lixesha lokuqalisa amanye amathuba. Yaye xa loo mathuba aphendulelwa kwiintliwano-ndlebe, kwaye zibuza malunga neenjongo zakho zomvuzo, impendulo yakho kufuneka isekelwe kwiphando oyenzile malunga nomsebenzi wakho ufaneleke - kungekhona kumvuzo wakho wangoku.
Ukuqulunqa kwiCandelo loPhuhliso
Ingxaki: Akukho mntu uthanda ukucinga ngokufa. Kuphela ama-44 ekhulwini aseMelika anenjongo kunye nemiyalelo yokuphatha imali yabo kunye nefa, ngokubhekiselele ku-2016 i-pollup poll. Isizathu esichazwe kakhulu? "Andizange ndifike kuyo," kubika uCaring.com. Yiyo inertia ngokucacileyo.
Kodwa ukudala intando-kunye nomyalelo wokunakekelwa kwempilo kunye negunya lommeli wezemali, xa ungenakulungiswa - kubalulekile. Ngaphandle kwazo zonke ezi zinto, urhulumente angakhethi nje ngubani ofumana ifa lakho emva kokufa, kodwa ngubani oya kukunyamekela abantwana bakho. I-intando ngumqulu kuphela okuvumela ukuba ugama ngabagadi bamabantwana abancinci.
I-Fix: Yenza i-aphoyintimenti yangempela-thintela ixesha kwikhalenda yakho-ukwenza oku kwenziwe. Ukuba unomlingane, usuvele unomlingane ukugcina kule nto. Ukuba awukwazi, bambambe umhlobo ngaphandle kwentando kwaye wenze ukuba naye enze okufanayo kwikhalenda yakhe, ngoko unako ukugcina uxanduva lomnye nomnye. Emva koko, ngokubhekiselele, yenza uluhlu lwezinto ozithandayo kunye nendlela onayo ngayo, kunye nolwahlu olufutshane lwabantu onokuzithemba ukuba zenzele egameni lakho malunga nezigqibo zempilo kunye nezempilo. Unokwenza i-DIY ye-intanethi iya kuthi i-WillMaker i-Nolo.com ibiza i-$ 55, kunye ne-LegalZoom ye-DIY iya kuqala kwi-$ 69) okanye uhlawule igqwetha okanye igqwetha lokucwangcisa indawo ukwenza enye kuwe, ukuqala malunga ne-$ 500. (Uphakathi phakathi: Unokuhlawula umqeqeshi ukuba ujonge kwi-DIY yakho.) Kwaye uPaul Jacobs, oyiNtloko yezoTyalo-mali zePalisades Hudson Financial Group, uchaza enye ingozi ye-inertia: Ukuhluleka ukugcina isicwangciso sakho sempahla sihlaziywa. Ucebisa ukuphindaphinda isicwangciso sakho rhoqo kwiminyaka emithathu ukuya kwemihlanu okanye njalo, okanye naxa iimeko zakho ziguquka kakhulu.
Kunye neHayden Field