Ndingakanani Imali Ndingayigcina?

Ekubeni utyalo-mali luqala ngokuSindisa, Sibheke lo Mbuzo obalulekileyo

Enye yezona zihlandlo ezithandwayo zitsho-mali abatsha zibuza, "Ndingakanani imali endimele ndisindise ngayo iphothifoliyo yam yokutshala imali?" Nangona umbuzo ungqalileyo, impendulo ayilula kuba ixhomekeke kwizinto ezincinci ezihlukileyo kunye nomntu ngamnye okanye intsapho. Makhe sijonge kule mibuzo kwaye ngoko siyakwazi ukujongana ngqo.

Ngaphambi kokuba siqale, kunjalo, kubalulekile ukuba uqonde umehluko phakathi kokulondoloza nokutyalomali.

Ukufunda oku ngakumbi malunga nale ndlela nendlela omele uyenze ngayo kokubili, funda Ukulondoloza kunye nokuTyala-Ukufumana ukulingana okufanelekileyo .

Imibuzo emine yokukunceda Unqume ukuba ungaphila

Okokuqala, qalisa ngokuzibuza imibuzo emine, uze ubhale iimpendulo zakho:

1. Ingakanani imali engenayo oyifunayo minyaka yonke ukususela kutyalo-mali? Eli nani alimele libandakanye iindleko zokufumana izinto ozifunayo (umz., Intengo yendlu entsha), kodwa ukugcinwa kunye nokugcinwa, kunye (ukufudumeza, umoya womoya , i-inshurensi, inkonzo yentsimbi, njl.).
2. Ingakanani ukungabi nantoni (intsingiselo, ukubukela ixabiso le-akhawunti yakho iguquke) ngaba uzimisele ukuthatha? Ngokukhawuleza ufuna ukufumana ubutyebi, i-bigger i-swings value, zombini kwi-frontside and downside. Ngokomzekelo, unokwakubukela i-akhawunti yakho yehla ngamaphesenti ama-50 okanye ukhuphuke ngamaphesenti angama-100 kwizicwangciso zobugwenxa ezinokukwazi ukufikelela kwiinjongo zakho ngokukhawuleza.

1. Kuliphi ixesha eliza kufuneka ufikelele kuyo imali? Oku kubalulekile kuba iingeniso ezinkulu zeakhawunti ezingenaserhafu kunye neerhafu ezichasiweyo zerhafu aziyi kufumaneka kuwe ukuba ufuna ukuhoxisa imali phambi kokuba uneminyaka engama-59 1/2 ubudala okanye mhlawumbi uza kunyanzeliswa ukuhlawula izigwebo ezinkulu kwi-IRS (ngaphandle kokuba ufanelekele enye yeZindlela ezisi - 8 zokuPhepha i-10 yeepesenti zokugwetywa kwexesha elide .

1. Ngayiphi na imilinganiselo ozimisele ukunikela ngayo umgangatho wakho wokuphila ngokuphathelele iinjongo zakho zobutyebi?

Ngoku, makhe sijonge indlela ezi zinto zisebenza ngayo ukuphendula umbuzo: Ndingakanani na ukuba ndisindise?

Ufuna Uninzi Kangakanani Imali Kwimali Yakho Yonyaka?

Yingakanani imali eya kuthatha ukuba uphile ngendlela oyifunayo? Ingaba kuthatha i-$ 50,000 ngonyaka? $ 150,000? Mhlawumbi i $ 500,000. Khupha nayiphi na ingeniso onayo kwimisebenzi yakho (ukuba awufuni ukusebenza, yeqa lesi sinyathelo), kunye nayiphi enye ingeniso onayo. Emva koko uze uhlule isibalo ngo -04 ukuze ufumane ixabiso eliza kuthatha ukuxhasa le nqanaba yengeniso yonyaka. (Kutheni .04, ubuza?) Abaninzi abacwangcisi bemali babala ukuba umtyalo-mali unokurhoxisa iipesenti ezi-4 zemali ngamnye ngonyaka kwaye i-akhawunti iya kuvelisa ngokwaneleyo, ngokuhamba kwexesha, ukugcina ixabiso layo langoku emva kokulungiswa kwexabiso lemali .)

Umzekelo unokunceda. Masithi ufuna ukwenza i-$ 80,000 ngonyaka ukuhlala ngendlela ofuna ngayo. Ufuna kuphela ukusebenza ixesha-nxalenye kwaye ubonise ukuba ungenza i $ 20,000 ngonyaka. Ulindele ukuqokelela i-$ 15,000 ngonyaka ngonyaka woKhuselo loLuntu. Uza kuthatha i-$ 80,000-$ 35,000 = $ 45,000. Emva koko i-$ 45,000 ihlulwe ngu -04 = $ 1,125,000. Yiloo mali eyofuneka ukuba ufumane enye i-$ 65,000 kwi-investments yakho kwaye ungaze uphume imali.

Ngoku, kufuneka uqaphele ukuba ungafuna njani imali ngokukhawuleza. Masithi uneminyaka engama-35 kwaye ufuna ukuhlala phantsi kuma-65. Oku kukunika iminyaka engama-30. Ukusebenzisa nayiphi na iwaka lama- calculators kwi-intanethi (jonga oku kusuka kwi-Bankrate, umzekelo: I-Savings Calculator), ungazifakela kumanani akho uze ubone oko kuza kuthatha ngokulandelwa kwenyanga ukufikelela kwinjongo yakho. Ukucinga ukuba unokufumana iipesenti eziyi-8 kwiityalo-mali zakho, kuya kufuna i-$ 754.85 ukubeka eceleni nganye inyanga de uze uthathe umhlalaphantsi. (Ukuba uqale nge-25, endaweni yoko, kuthatha kuphela i-322.26 yezigidi ngenyanga ngenxa yegunya lokuqulunqa. Ukuba uqale ngo-18, kuya kuthatha i-$ 181.09 ngenyanga.)

Ukuba awufuni ukushiya nantoni na intsapho yakho, abahlobo, okanye intsapho ( intsalela yokuncedisa inzuzo ibe yinto ekhethekileyo kubaphathi-mali), inani lokulondoloza liya kuba liphantsi kakhulu kuba lo mzekelo uthatha ugcina i-$ 1,125,000 yeengxowa-mali ngokuqhubekayo.

Yingakho uza kubona abaninzi abacwangcisi bemali balinganisa ubomi bakho. Ngokuqinisekileyo baya kuyila inkqubo ukwenzela ukuba imali yakho iphumelele, uthi, 85 okanye 90 ubudala.

Unokufikelela kwiinjongo zakho ngokukhawuleza ngokusindisa ngaphezu kwenyanga nganye. Ukuba ingaba ungayifeza okanye awuyi kufeza oko kuya kuxhomekeka kwindlela ozimisele ngayo ukuzidela. Nangona i-$ 300 engaphezulu ngenyanga inokuthetha ukuba ufike kwiinjongo zakho zokulondoloza imali , okanye mhlawumbi nangamashumi eminyaka, ngaphambi kokuba ungenako. Ingaba kufanelekile ukuqhuba imoto esetyenziswayo okanye ungayilawuli nto ngaphandle kwamanzi kwiivenkile? Oku kuxhomekeke kwizinto eziphambili kwaye akukho mntu unokuphendula loo mbuzo kuwe. Ndayisingatha le nto kwi-Bouquet ye-Roses yama-25,000.

Kwiminyaka emininzi edlulileyo, ndenze ingxelo malunga nemeko eDetroit. Ngenxa yokungabikho kwemisebenzi, ukungaphumeleli kwamathuba omsebenzi, kunye nemimandla engabonakaliyo yendawo, ndacelwa ukuba ndiyakwenza ntoni xa intsapho yam isekweni. Impendulo yam: Hambisa. Ndiyipakisha yonke into esinazo, sifumane isimo sezulu esivumelekileyo, kwaye sihambe apho. Iingxaki zokubamba into ethile (kulo mzekelo, umsebenzi ophezulu ohlawulayo kunye nezikolo ezilungileyo kubantwana ) kuya kuphuculiswa ngokuphonsa umgca wam kwindawo echibini ngeentlanzi ezininzi.

Abambalwa abantu baphendule ngokuqinisekileyo ukuba andizange ndibonise ukuba iingcebiso zenza ukuba iintsapho zizikhuphe. Andiqinisekanga ukuba ndingathetha njani ngoku, ngokuqinisekileyo ndiya kubeka ngaphandle apho: Ukuba awuzimisele ukuzithintela ithuba lokuphila ubomi obungcono, ungcono ukufunda ukuzineliseka ngobumpofu. Yonke into oya kuba nayo.

Kubomi bam, le nto yayisigqibo esandenza ekuqaleni. Ngokungafani nabo bonke abahlobo bam, ndenqwenela ukuthenga imoto de ndibe neminyaka engaphezu kwama-23 ubudala kuba ndingumfana osemtsha, ndaqonda ukuba babe neendleko ezinkulu eziqhubekayo ngendlela yegesi, i-inshorensi kunye nokunye. Kwathatha ukuqeqeshwa (yaye ngokuqinisekileyo kwakungekho nto imnandi ngaso sonke isikhathi), kodwa ekugqibeleni ndiyenze ngesithuthi sam sokuqala emva kokuphotyelwa kwekholejini, kwakuyinto enhle uJaguar endiyifumene ngayo kwixabiso elincamisayo. Ngelo xesha, ndandingenaso ityala elincinci, iintlawulo zam zihlawulwe, kwaye ndakhele i-potifoliyo enkulu yokutshala imali ngokusebenza kwindlela esikolweni. Ukulondolozwa kwam kunye nokutyalomali kwangekhokhwe, nangona kufuneka ndibeke kwiikholeji. Abahlobo bam babengenasineke, bafuna ukunyaniseka ngokukhawuleza, baza bathenga iimoto zabo nge-16 ngemali-mboleko yemali ehlawulisa inzala.

Ulawulo lwesithupha luyakushwankathelwa njengoko uzimisele ukuyeka namhlanje, ngokukhawuleza unokufikelela ekulondolozeni lwakho kunye nenjongo yobutyebi . Isilumkiso esisodwa: Musa ukuthatha le nto. Njengomdumi owaziwayo uJohn Maynard Keynes wathi, "Ekuhambeni kwexesha, sonke sife." Imali ikhona kuphela ukuvumela ukuba ube nendlela yokuphila oyifunayo kwaye uvule iingcango zentsapho yakho. Njengokuba utata wandixelela ngaphambi kokuba yena nomama bashiye kwikholeji yonke yale minyaka edlulileyo, ningalokothi nithengise ithuba okanye amava ngemali kuba iya kuba yintlupheko. Ngokuqinisekileyo ndingazange ndiphile njengomntu ohluphekileyo (kude naso). Ininzi yale nto yayinokwenzeka ngenxa yokuba uqeqesho lwangethuba lwangoko lwandivumela ukuba ndiphephe iintlawulo ezinkulu zenzala abaninzi abantu baseMelika abahlawula amakhaya abo, amakhadi enkokhelo, iimoto, iimali-mboleko zabafundi , ii-akhawunti zeevenkile zentlawulo, kunye nokunye.

Ungasebenzisa i-calculator efanayo ukusuka ekuqaleni kwinqaku ukunyusa inani lokulondoloza ozimisele ukulibeka kwinyanga nganye. Kuya kuvelisa impendulo entsha, kukubonise ukuba uza kufinyelela njani iinjongo zakho ngokukhawuleza. Kwimeko yomzekelo wethu wangaphambili, oneminyaka engama-25 ubudala ozimisele ukukhaba kwi-$ 300 ngenyanga, uya kukwazi ukuhlala phantsi kwishedyuli kwiminyaka eyi-57 ubudala kunye neenyanga ezili-10, okanye malunga neminyaka eli-7 kunye neenyanga ezi-2 ngaphambili . Ngaba oko kukufanelekile kuwe? Ngaba ulahlekelwa ngama-dollar angama-300 ngenyanga efunyenwe iminyaka engaphezulu kwe-7+ yomhlalaphantsi? Kwakhona, nguwe kuphela onokuyiphendula loo mbuzo.

Ulwazi olungakumbi malunga nokuSindisa iMali

Ukufumana ulwazi oluthe xaxa malunga nendlela onokuqalisa ngayo ukugcina imali, funda i-Guide Complete Beginner Yokugcina Imali .