Ekugqibeleni, isixa esipheleleyo semali oyichithayo ayibalulekanga malunga nantoni yemali oyisebenzisayo ngokumalunga nemali engenayo kunye nenani elifanelekileyo.
Ukuba uneminyaka engama-50 ubudala, ungaba netyala, i-$ 2,000,000 ngemali ebhanki, ufumane i-$ 600,000 okanye ngaphezulu ngonyaka, ube nekhaya lakho ngqo, kwaye ube nemifudlana eninzi yengeniso engekho engozini yokushabalalisa ngexesha elifanayo, Ngaba kuyimfuneko ukuba usebenzise imali kwezinye izinto abantu abanokuzicingela, njengemoto eyi-150,000 okanye i-$ 6,000 ze-Brioni.
Ingaba ukhetha ezo zinto kwiFransi kunye ne-blue jean yinto efanelekileyo yintetho yomntu. Akukho mpendulo echanekileyo okanye engalunganga. Injongo yakho akuyikufa kunye nenani eliphezulu elifanelekileyo, ukuba uphile ubomi obomeleza ulonwabo, usebenzisa imali njengesixhobo esikusebenzelayo. Ngethuba nje ngokuba ungeze rhoqo kwi-net net worth yakho kwipropati yakho idala imali engaphezulu nangaphezulu kunyaka ngamnye udlulayo, unokuchitha imali eninzi kwaye ulungile. Into ebalulekileyo yintsikelelo.
Ngakolunye uhlangothi, ukuba ungekho imali, i-$ 20,000 kwiitaliti yekhadi lesikweletu, i-$ 15,000 kwi-debt loan yomfundi, imali yokubolekwa kwemali, ukuhlawula imoto, kunye nekhaya lakho lithembele kwimisebenzi enye okanye emibini ukuze ihlawule iindleko zakho, uchithe i-$ 70 ukuya ekudleni. ibhayisikobho iyabiza kakhulu.
Akunyaniseki.
Uhlala kwinqanaba lentlekele kwaye yonke ipensenti efunekayo kufuneka iyanciphisa amatyala akho, ukhuthaze imali yakho yokugcina imali, kwaye udale imithombo engenayo yemali engenayo eya kuba khona xa ulahlekelwa ngumsebenzi wakho. Oku kungabonakala kungenangqondo kodwa ngamanye amaxesha kunceda ukuhlolisisa.
Cinga ngamadoda amabini, bobabini bahlala kwidolophu efanayo.
UJohn unesitya esincinci sezinto zokupenda. Uphumelele kwaye uyasondela umhlalaphantsi. Ufumana i-$ 250 ngeyure (ama-dollar angama-500 000 ngonyaka). Akanayo ityala. Iphothifoliyo yakhe igcwele izigidi zeedola kwi -stock -s-blue-stocks , iqoqo leChungechunge I-bonds yokulondoloza , kunye nolunye utyalo-mali oluhle.
Uthanda izinto ezintle. Emva komsebenzi omude, uhlala ebusuku ubusuku bonke egqoke i-cashmere sweaters eyi-$ 800, ebhala nge-$ 2,000 yomthombo wempuphu, ephuza ngaphandle kwekhofi ye-coffee-rimmed indebe ye-$ 400, ekuphulaphuleni umculo kwi-Steinway & Son. inkqubo eyakhelwe kuyo, inika amawaka eedola ngokusondeza kwentsapho yakhe, kwaye ifunda i-$ 300 ezibophelelwe ngekhanda, ezinobumba begolide.
Kanye ngonyaka, uchitha i-25 000 yeedola ukuba athathe abazukulu bakhe eholide ukuya kwindawo ekhethwe kuyo. Uhlawula izifundo ze-violin, izifundo zokudanisa, ukufundisa ngasese kunye nezinye izinto ezincedisa intsapho yakhe. Ngobunye ubusuku, wenza isigqibo sokuba athathe abantwana bakhe abadala ukuba badle, badle i-$ 700 kwitikiti ngexesha lonke lithethwa kwaye lenziwe. Kwabanye abantu, yinto yokuhlawula imali.
UAdam ngumsebenzi weentengiso. Usebenza nzima. Ufumana i-$ 10 ngeyure ($ 20,000 ngonyaka).
Uhlala kwindawo yokuhlala. Akathenganga iimpahla ezintsha kwiminyaka emihlanu. Imoto yakhe iyagijima. Ugcina ubushushu businde imali. Unoxanduva lokwenza isidlo sakusihlwa. Unquma ukuthatha intsapho kuMcDonald kunye nokuchitha i-$ 30 kuma-cheeseburgers, amaFries kunye namaCokes.
UJohn uziphatha ngokugqithiseleyo kuAdam xa kuziwa ekugcineni imali. Ukutya, kwakudinga ukuthengisa kuphela iiyure eziyi-2.8 zexesha lokuhlawula ukutya, kanti uAdam wachitha iiyure ezingama-3.0 ngexesha lakhe. Oko kukuthi, nangona isidlo sikaYohane sasidla i-$ 700, sasingabizi ngokusesikweni kunokuba intsapho yase-Adam idle i-$ 30. Njengento engabonakaliyo njengento ezwakalayo, uAdam wahlawula ngokutya kwakhe kunokuba uJohn wenzayo xa ulinganisa oko kubalulekayo-imali engenayo kunye nexesha elithengiswayo ukuxhaswa ukuthenga.
Ukukubeka ngokucacileyo, uAdam akanako ukutya eMcDonald's.
Ingaba oko kulungile okanye akunjalo kungenakwenzeka ngoku, ngeli xesha, njengoko libhekiselele kwiimeko zakhe zemali. Ukuba u-Adam ephambili wayenokuzimela ngokuzimela , wayeyidla ngokubhetele, kwaye wahlawula i-1/6 yesixa, ngokuhlala ekhaya nokwenza okuthile. Kufuneka asebenze ngokunyanisekileyo kwindlu yakhe kwaye azigcinele ngokwakhe ngeli nqanaba ebomini bakhe. Ufuna ukuzingca kwaye abeke iimfuno zakhe, kunye nokuzikhethela okokuqala. Ngexesha elifanelekileyo lokulawulwa, liyakwenziwe ngokupheleleyo.
Ewe, kunokuba ngumzabalazo ukulungelelanisa le ngcamango kodwa, ekhangele idatha ye-United States, abaninzi belizwe likaJohn baqala njengoAdam. Kufuneka wenze imibingelelo malunga noko ufuna khona ebomini kwaye ukuba injongo yakho ifumana inkululeko yemali. Le yindleko ukuba ungeenhlanhla ngokwaneleyo ukuba uzalelwe kwintsapho ezuzekileyo.
Ngamanye amaxesha, iyanceda. Ngamanye amaxesha, kunzima. Ngamanye amaxesha uvakalelwa ngokungafanelekanga kwinqanaba elingakwenza ube nomsindo, usizi, okanye udangele ngokuxhomekeka kwizengqondo zakho. Kufuneka ujongane nayo, nantoni na. Iimvakalelo zakho aziyi kutshintshelwa inyaniso kuphela izenzo zakho.
Oku akuthethi ukuba awukwazi ukungena kwi-splurge xa kunokwenzeka ukuba amandla akho abuthathaka, kuphela ukuba yonke ipenki ibalwa ukuba injongo yakho ikhula kwenzeni yakho yenyama kwaye usengowona mgangatho ebomini bakho xa kungekho mkhulu umda wokhuseleko ukufumana into engalunganga; uqaphele kwaye uyamkele ukuhweba ngokufanelekileyo.
Gxininisa kwi-Rate Your Savings - I-PSAVERT Ratio
Indlela efanelekileyo yokulinganisa impumelelo yakho ekulondolozeni yinto ebizwa ngokuba yizinga lokulondoloza. Khangela imali epheleleyo oyilondolozayo ngonyaka, imali egcinwe ebhankini, inqununu ehlawulwa kwi-matyala, kunye notyalo-mali olongezelelweyo kwi- 401 (k) izicwangciso , i- Roth IRA , okanye ezinye iinqwelo zokuthatha umhlalaphantsi, uze uthelekise loo ntlawulo yengeniso yakho. Ngaphandle koko, ungasebenzisa umlinganiselo we-PSAVERT, i-Personal Savings Rate, ekhutshwe yi-Federal Reserve.
Ukuba ufumana i-$ 1,000 ukuhlawula, ubuncinane i-$ 200 yaloo nto kufuneka ihambe kwindlela ethile yokucwaningwa kakuhle kunye nokukhethwa kwe-akhawunti. Isifundo esikhulu kukuyeka ukuchitha ngaphandle komnye umntu. Umfana onobhloko abambalwa angase abe nokuziphatha ngokuthe xaxa ukuthenga i-$ 250,000 eBentley kunokuba ubuya kuthenga i-$ 80 yokubukela.
Unyaka wonke, kufuneka udibanise kumgca wakho wezantsi kunye nengeniso yakho yasekhaya ngaphezulu nangaphezulu kwezinga lokunyuka kwamaxabiso. Ukuba awukho, kwaye awuzange ufumane uhlobo oluthile lentlekele okanye unyango olungenakukhutshelwa ngaphaya kolawulo lwakho, wenza okungalunganga.