Ukunika Isipho SokuFunda Ngezezimali Kungatshintsha Ubomi Bomntwana Phakade
Ungayenza njani loo nto? Nazi ezinye iingcinga iindlela onokukunceda ngazo abantwana bakho, abazukulu, abancinci, abantakwabo, oonyana bakaThixo, okanye nawuphi na umntu osemtsha ebomini bakho ukuqonda ngokubhekiselele kwicala lezemali.
1. Qalisa ukufundisa abantwana ngemali ngokuqalisa ngeCandelo elibaluleke kakhulu: Indlela yokuLondoloza
Izizukulwana eziliqela ezedlulileyo xa iNapoleon Hill, umbhali owaziwayo weConflect and Grow Rich, wabhala iingxelo zakhe zaseMelika ezizimeleyo ezenziwe ngabantu, wazinika ixesha elide kumkhwa wokugcina ; ukukwazi ukuchitha ngaphantsi kokufunyanwa ngaphantsi kweemeko zonke ukuze ube nentsalela. Ukwazi indlela yokuvelisa i-surplus yona siseko esibaluleke kakhulu sokwakha ubutyebi . Le ntsalela yinto obeka kuyo 401 (k) isicwangciso sakho . Le ntsalela yindlela oyixhasa ngayo iRoth IRA yakho . Le ntsalela yinto enokuhlawula ekhaya okanye xa wenza i-investment yakho yokuqala yezindlu . Le ntsalela yindlela othenga ngayo izabelo zesitoko okanye ukuthenga izibophelelo .
Nangona ufumana izigidi zeedola ngonyaka, ukuba awukwazi ukulinganisela iimali kunye nezikwereti, uya kugqiba ukuphuka njengabanqoli belottery okanye ezininzi iinkwenkwezi ze-NBA.
Kukho iindlela ezahlukeneyo onokuzithatha ngokufaka ingqalelo yokugcina umkhwa wokugcina kubantwana. Indawo efanelekileyo yokuqala? Nangona kunokuba kungacacile i-cliche, iibhanki ze-piggy zingenye yezixhobo ezincedo kakhulu zokufundisa abantwana ngemali.
Kwintsapho yethu, ayifumana ngaphambi kokuzalwa. (Mzalwana wam, oza kuba ngubawo, sele sele eneenkunzi zeebhanki zentombi yakhe yexesha elizayo (kukho ezimbini-enye zeeshicilelo, enye yeebhilikhwe) ehlezi kumntu ogqobileyo kwi-nursery.) Kukho into ebonakalayo malunga nokuva i-clink yeengqekembe kunye nemali yephepha njengokuba igcwalisa ibhanki, okwenza ikhule ngakumbi kunzima njengoko ubuncwane buninzi. Yenza i-visceral ngendlela ethile embalwa. Yiba neyodwa inkunzi yenkxaso-mali enomvuzo ngamnye othe wangeniswa-mhlawumbi i-10%, mhlawumbi i-50% - njengoko isebenza kwiinjongo ezinkulu. Qinisekisa ukuba nayiphi na imini yokuzalwa, iKrismesi, okanye enye imali yokubhiyozela iquka inxalenye yenkcitho yokugcina imali. Kamva, xa befumana umsebenzi, bawagcinele inxalenye kwiakhawunti eyahlukileyo oya kubavumela ukuba bachithe xa bephuma kwikholeji okanye baqala ubomi babo abadala.
Xa usuka kwivenkile, ubafundise indlela ekusebenzeni ngayo amakhonkco kwaye ubeke ukubeka imali kwibhanki yabo yebhanki (umzekelo, ukuba uthenge ibhokisi yento ethile kwi-$ 5 kodwa ungayifumana i-$ 3 ngekhuphoni, bajike ikhuphoni kwinqanaba lokukhangela kwaye ubanike yona, ngemali, ngaloo mzuzwana, i-$ 2 igcinwe - akukho nto enye ebomini iya kwenza ukuba unxibelelwano ngokukhawuleza).
Batshengise indlela yokuthelekisa ivenkile kwi-intanethi. Thatha kwi-car dealership ukujonga intetho yentetho. Kungakhathaliseki ukuba bancinane kangakanani, abantwana baphulaphule. Ngeendlela ezininzi ezingaphezulu kweempawu ezixininisiweyo, zithatha iimpawu zakho, izinto eziphambili, iimpawu zakho, kunye nobulumko bakho (okanye ukungabi nako), ukulinganisa into oyenzayo kangako oko utshoyo .
2. Ngokulandelayo, Ungagxininisi ekufundiseni abantwana ngeMali, kodwa iMathematika eyisiseko. Ivala I-Counter-Intuitive Kodwa Uphando lubonisa indlela eyona ndlela.
I-Wall Street Journal yaqalisa iqela elingaphambili kulo nyaka kunyaka ophando olubonisa ukufundiswa kwezemali kunomlinganiselo ophantsi kwimpumelelo yezemali kunokuba ubuchule beengcamango zesiseko seemathematika. Ngomxholo walo, oku kunengqiqo kuba imali ayikho nto ngaphezu kokungeza, ukususa, ukuphindaphinda, kunye nokwahlukana.
Ngokomzekelo, bangaphi abantu abangaphandle kwezezimali abanokubala ukukhula okubonakalayo? Yinto into oyithathayo. Ukuba umntu wafika kum kwaye wathi, "Ndifuna ukwazi ukuba ndingakanani imali xa ndiqala ukubeka eceleni i-$ 500 ngenyanga, i-10%, iminyaka engama-50", akudingeki ukuba ndicinge ngokulingana, ndiyazi ngentliziyo. Ziyimatriki. Akukho Okuninzi. Akukho ncinane. Ndiyakwazi ukubetha i-calculator kwaye ndiphendule ngokufutshane. Inyaniso apho kukho uphawu lweedola phambi kweengxaki zematriki alitshintshi loo nto, ingundoqo yayo, yile nto: Ingxaki yamatriki.
Bonke abafundi besikolo esiphakathi kweli lizwe kufuneka baqonde ifom yexabiso elizayo lemali kunye nexabiso langoku lexabiso . Leyo yodwa ithetha ukuba umehluko phakathi kobomi obujongene nolwandle, ukusela ikhofi yakho njengoko amaza atshayela umda wepropati yakho okanye ukhathazeka ngokukrazula inyanga nganye uze ufe ekugugile. Oku kungakwazi ukubala oko kufuneka kube yizizathu ezisisiseko ezibangela ukuba abantu abahlakaniphile badlulise ukubuya okungaqhelekanga, ukubuyela kwehla, njengama-ESOP anikezela nge-15% okanye ngaphezulu izaphulelo kubasebenzi abafuna ukuthenga isitishi kwibaqeshi babo be- blue chip . Ukuyibeka ngokugqithiseleyo: Ngexesha elibangela kuyo yonke into ngaphandle kweerhafu, kwiimeko ezininzi, unokulahla isitokisi, ulungelelanise umehluko, kwaye ufumane i-80% okanye i-90% + ngemali yakho kwimali ezintandathu okanye ngaphantsi ngenxa indlela ezi nkqubo zihlanganiswa ngayo. Ezi nkqubo zinzima kakhulu, ndibhalele kwibhlogi yam ibhantshi malunga nophando olwenziwe ukuzama ukufumanisa ukuba kutheni abaqeshwa bengabasebenzi. Idatha engcono kakhulu ndiyibonayo ibonisa amaqabunga aseMelika phakathi kwama-4,000 kunye ne-$ 5,000 ngonyaka ngemali yokukhulula etafileni, zonke ezo ziye zithathwa ukuba zinezakhono zobalo eziphambili. Kusemnyameni kodwa ngokuqinisekileyo akukho mntu uthatha imali efanelekileyo.
3. Yiba ne-Kids Master Basic Accountancy, i-cash flow, ne-akhawunti yezemali
Ingaba usebenzisa i-spreadsheet yedijithali okanye iphepha elidala lokuloba elincinci, kunye nomkhuba wokugcina kunye nezakhono ezisisiseko zezibalo, kufuna umntwana okanye abantwana ukuba balandele yonke i-inflow and outflow, kunye ne-balance balance. Kamva, misela i- akhawunti yokukhangela kunye nokulondoloza , uchaza indlela asebenza ngayo. Chaza indlela i-inshurensi ye-FDIC isebenza ngayo.
4. Fundisa abantwana malunga nokukhulisa imali yabo ngokuTyala imali
Ngezo zonke iziseko ezisisiseko, ngoku sekuyisikhathi sokungena kumdlalo omnandi. Ufuna ukufundisa abantwana ukuba imali ikhula njani. Oku kuya kuhluka ukusuka kwintsapho ukuya kwintsapho kodwa nantsi iindlela ezimbalwa onokuyenza inkqubo yokwenza imali.
Ukuba uhlakulela okanye ufumana i-estate estate, usethe ipropati kwiinkampani ezinomthwalo ongenamkhawulo kwaye ube nezingane zithenga ii-unit units. Ngokwenyama babe nesandla phezu kwemali kwaye banikeze isitifiketi se-stock. Bandakanya nabo kwiintlanganiso zonyaka. Ndiyazi abantu abadala abaphumelelayo ababebukele abazali babo ukwakha iiyunithi zokuqeshisa izithuthi kunye neenqwelo zeemoto ezihlambalaza njengebhokhwe. Ndiyazi abanye abalapho apho i-bulldozers yafika kwaye yaqala ukuhambisa umhlaba. Xa i-LLC yenza ulwabiwo-mali, bahamba ngeendlela abafumene ngayo kwaye benze umkhosi wokubanika isheke. Okufanayo kuya kwishishini lokusebenza. Xa uWal-Mart engengomthengisi omncinci akakho owaziyo ukuba khona, uSam Walton wahlula ishishini kwizabelo ezi-5, unikezela ngabantwana bakhe abane isabelo kunye nokugcina isabelo kumkakhe, u-Alice kunye naye. Unokwenza into efanayo kunye nesidlo okanye isitishi segesi; ihotele okanye iloli yerhasi esetyenziselwa ukuqala inkonzo yokudonsa udoti.
Nika isisipho njengesipho . Cacisa indlela usebenze ngayo ishishini, uhambe ngxelo yonyaka , i- 10-K , kunye nommeleli kunye nabo, kwaye ube negalelo okanye ngqo idibaniswe kwi-akhawunti yabo okanye wenze ikhonkco ithunyelwe kubo ukuze bavule; umlambo oqhubekayo wezipho ezifika kwisithuba. Ingase iqale encinci kodwa izinto ziyanelisekile xa umdla onomdla ungasebenzisa umlingo wayo. Xa udadewethu omncinane esesesikolweni, ndamnika isitokisi kwiNkampani yeCoca-Cola ngokusebenzisa isicwangciso sokuthengwa kwesitotho esithe ngqo. Abazali bam basebenzela iminikelo rhoqo ngenyanga. Ngelo xesha wayesekholejini, utshintsho olulungeleyo apha kwaye lube lube ngumgqomo wobunini kwinkampani enkulu yokuphuza ixabiso elithile elifanelekileyo kwindawo ethile ephantsi kwamanani amahlanu. Enyanisweni, ukuba uyayeka ukufaka isandla kuye ngoku, kwaye athatha oko ayenakho, kwanabahlawuli bemilinganiselo yokubuya , akuyi kuba nzima ukuba abe ngaphantsi kwee-3,600 zama-$ ekupheleni kokuhlala kwakhe kwendalo. Xa ekhula, siza kumhamba ngevenkile kwaye sichaze abantu bethenga iCoca-Cola, echaza ukuba imali ayithunyelweyo yayivela kwi-cut cut of sale.
Kulowo nalowo mntakwethu kunye nabazalwana, senza okufanayo, kuphela ngeli xesha, sisebenzisa i-akhawunti yomrhwebi ehlelwe njengesipho sesi-UTMA . Umntakwabo oneminyaka ezisixhenxe uvalele eFlorida waza wabona i-Exxon Mobil gas station. Uhlala kwinqanaba lelizwe apho kungekho baninzi kubo kodwa wayesazi zonke ngezo shishini, bebefumana igalelo kuwo, bebenqwenela izinto eziphathekayo kunye nomyeni wam kunye nokuvota ummeli wakhe njengoko sichaza sithini isiluleko ngasinye. Xa kukhangeleka, amehlo akhe avuleka kwaye yaqhuma ngokukhala okwakwenza ukuba imikhosi kaMordor ibuthathaka emadolweni, "UKUFUNA KWEMPOLONI! KUNYE!", Ebonisa ngokucacileyo ngefestile. Kufuneka wenze okwenene. Kufuneka bawubone; ukuqonda ukuba izitokisi azikho i-electronic blips kwikhompyutheni yekhompyutheni kodwa isigxina sokubambisana nomthetho kwi-shishini elisebenzayo elithengisa into ethile-imveliso okanye inkonzo-ngenkokhelo.
Ukuba unobundlobongela, ungayifumana indlela yokuhlawula inkunzi kwiinkonzo, ubenike imali ehlawulwayo, efumana imali engenayo eyenza ibe yi-Roth IRA .
5. Ukufundisa abantwana ngeMatyala kunye neNdleko yoLuntu malunga namaZiko anikezelayo angasindisa Ubomi bokuxhalabisa
Ekugqibeleni, fundisa abantwana malunga neendleko zemali-nto leyo, okuthi ityala lithetha ntoni kwimiphumo yehlabathi yangempela. Ngokomzekelo, ukuba bafuna ukuboleka i-$ 50,000 kwimfundo yekholeji kwi-8% yentlawulo yemali, yenza ukubala ukuba i- mboleko yomfundi iya kubafuna ukuza ne-$ 4,000 ngonyaka, okanye i-$ 333.33 ngenyanga, nganye inyanga nje ukukhawulela indleko yenzalo ngaphandle kokuhlawula nayiphi na inqununu . Ngaba oko kukufanele? Kuxhomekeke ngokupheleleyo kwingeniso eyongezelelweyo eya kufumana ekubeni ne-degree.
Ngamanye amazwi, iqondo lekholeji yintlawulo-mali eyenza ingqiqo yemali okanye ayikho. Ngethuba, mhlawumbi, oku akufanele kube njalo (iikholeji i malunga nokufunda ukucinga, ukwandisa i-horizons yakho, ukumisela izakhono zokuhlalutya ezibalulekileyo ezikuvumela ukuba uzifundise ngokusala ixesha lakho lokuphila), kwinkqubo yangoku esiyifumanayo ngokwethu, ukungahoyiki oku kuya kubangela intlungu yesifo kunye nokubuhlungu ukubuyisela umboleke imali engaphezu kwesikhonzi esikhonzekileyo. Akufanele uchithe ubomi bakho ekunqula imali, kukho izinto ezibaluleke kakhulu, ezixabisekileyo, izinto ezifanelwe ukuba uziqwalasele. Musa ukwenza intsebenziswano nomtyholi ukuba ufumane icandelo lephepha kwiziko elithile ukuba akukho sizathu sezimali sokwenza njalo. Ngaba kulungile ukuba abanye bangabi naxhala malunga nale nto mhlawumbi ngenxa yokuba intsapho yabo ihlanganisa iindleko okanye izuze i-fund trust ? Hayi, kodwa ke ubomi. Jongane ne. Suck it up. Awukwazi ukwenza izigqibo ngokusekelwe kwipokothoni yomnye umntu.
Benze ukubala iindleko zokuthwala ityala lekhadi lesikweletu . Yenze ukuba babone oko kuthengwa kwe-$ 2,000 eqhutywe kwi-25% iminyaka kunye neminyaka iphelela ukubiza. Emva koko wenze ukubala zonke ezinye izinto abazithengayo ngemali eyongezelelweyo; imali ekhoyo ngoku yabanini-masheya beebhanki (ukuyibophelela kubunikazi bempahla).
Bafundise ngeentlobo ezahlukeneyo zemali-mboleko, uzifundise endleleni xa ungaqhelekanga kubo. Zingaphi iindwendwe ezinokuthi ziphephe ukulahlekelwa yikhaya labo ukuba zikwazi ukuqonda kakuhle ukuba kutheni i-mortgage rate rate ehluke kwi-mortgage rate rate? Uninzi lwabutyebi lwenza, ngoko kufanele.
6. Ukubandakanya ukubonelela ngokuzinikela kunoma yiphina isicwangciso sokufundisa abantwana ukuba imali ayikho nje ngokukhonza izidingo zakho
Kulula ukuyihlonela imali xa ubona ukuba ukuphazamiseka kwayo kunokukhokelela ebomini obungcono komnye umntu. Kukho iindlela ezininzi zokwenza oku kodwa ezimbalwa endandizibonayo okanye ezisebenzisayo kule minyaka:
- Kwiiveki ezimbalwa ngaphambi kweKrisimesi, unike umntwana ngamnye imvulophu yemali. Bathengise izipho ukuze banikele kwiinkedama okanye kwindlu encinane, okwenza kube yedwa kubo.
- Ukuseka isibonelelo sesibonelelo sentsapho esinikwa izibonelelo kunye neziko lezemali ezifana no-Fidelity okanye uCharles Schwab. Ezi zininzi zezibonelelo ziseko zabucala kunye nezimbalwa zengxaki (ungagcina amanqanaba akho asethi kunye nokuhamba kwemali, umzekelo, njengoko ungafunwa ukuba ufake ifom ye-Form 990; i-asethi yakho ihlanganiswe nabo bonke abantu ukuchazwa kwe-IRS). Kwiintsapho zaseKennon-Green, sisebenzisa imali ephantsi kweendleko zeefomati ukupaka iminikelo ehlawulwa yerhafu de sifumane into esifuna ukuyifumana. Ngexesha leemarike zeenkunzi, sinokunikela ngemali ekwaziyo, kwakhona, ukuphepha ukufumana intela yentlawulo. Hlala phantsi emva kwekota kwaye ngamnye umntwana ucebise inceba ukuba ufuna ukukhupha isibonelelo sokuxhasa, ukunika inkcazo sokuba kutheni inani labo likhethe.
- Bhalisa ukunikela ixesha kumbutho onjengeHabitat for Humanity ukuqhuba ekhaya umyalezo obhala isheke ayanele; ngamanye amaxesha, kufuneka uhlambe izandla zakho ukwenza umhlaba ube yindawo engcono. Okona kuncinci, kuya kudibanisa nomsebenzi ukuze ungayithathi.
Ekugqibeleni, ukuba ezi ziseko zithandathu zikhoyo, ezininzi iinkcukacha ziyakwazi ukufumaneka ngexesha. Njengoko bangena kwiminyaka yabo yeshumi elivisayo, qinisekisa ukuba ubafundise ezinye zeenkcukacha ezinzima kakhulu kwiimfanelo zomsebenzi .