IsiTyala seMali-mboleko soMfundi akufuneki ukuba sithintele ukwakha iipotfolio
Unokucinga ukuba ibinzana elithi "umboleko wemboleko yeso sifundo" sisihloko esivela kwisinye isicatshulwa kwisikrini se-YouTube seKholeji yeHlabathi. Kodwa ayikho into ehlekisayo malunga ne-albatross yezemali ebhekane nabafundi beekholeji namhlanje-irekhodi ephakamileyo eye yawa kutsho kwinqanaba eliphakamileyo xa usuqedile ukufunda lesi sigwebo.
Isizukulwana kwiMatyala
Iwashi yesikolo-mboleko yemali kwi-website ye-FinAid.com, eyazihlaziya ngokwawo yonke imizuzwana embalwa, ngoku ivalwe ngoku kwi $ 1.46 trillion.
Kwiibholeji zekholeji ezinethemba lokutyalo-mali, iziphumo zibuhlungu. Uphononongo lwaba-5,000 abafundiswa ngokukwenziwa ngo-2016 ngu-Allianz Global Assistance kufinyelela kwesi sigqibo: "Umvuzo wobuhlwempu wabafundi" ungokoqobo kwaye awukwazi ukuphela kungekudala. Emva kwesifundo, malunga nabafundi abane babika ukuba bengenayo imali eyongezelelweyo yokuchitha. Phantse isiqingatha (44,6 ekhulwini) bahlawula imfundo yabo ngokupheleleyo-kwaye iipesenti ezili-12 azikwazi nokuba zininzi kangakanani.
Akunakuze udibanise ukukhahlela loo manani: Jonga nje kubo mhlawumbi ngomzuzu. Ngoku, khangela ukuba unako ukufumanisa apho abafundi beekholeji banokufumana khona nayiphi na imali yokutshala imali kwiisitoko ngaphandle kokuphanga isabelomali esincinci esele sasiyi-mac et cheese.
Ucwaningo lwe-Allianz lubonisa ukuba kulaba bafundi abaneemali-mboleko zabafundi baza bazi i-balance, ama-40 ekhulwini atyala okungenani ama-30,000. Oku kuhambelana namanani ahlanganiswe yiZiko loFikelelo lweKholeji kunye neMpumelelo .
Kwinqanaba le-2014, isibalo somfundi ngamnye sihlawula i-28,950 i-$ 28,950 ngamnye ngombolekayo, kunye nabafundi abasixhenxe kwabangama-10 abafumana imali. Kule minyaka elishumi edlulileyo, ityala lesikhwama somfundi likhule ngokuphindwe kabini izinga lokunyuka kwamaxabiso; Izifundo ziye zakhuphuka kwizinga elifanayo libuyela emva kweminyaka engama-40. Ngokuqikelelwa kwamanani amaninzi, isibalo somntu ngamnye esikweletyala siye sagqitha imali engama-30,000.
Ngoko ukufumana into-nantoni na eyenziwa kubafundi beekholejini kunye nabagqibeleleyo abagqibeleleyo ekutyala imali kufuneka babe yinto engathembekiyo, echanekileyo? Ewe, hayi kanye. Kuyavunywa, indlela iyanzima kakhulu ukuya ku-hoe. Yiya esikolweni okanye kwiziko lezomthetho, kwaye isibalo sakho somatyala sinokukhwela kalula i-$ 100,000.
Seko kusenokwenzeka ukuba uqale ukuthumela iphothifoliyo, iingcali ziphikisana. Ingxaki yokwenza kube yinto ephambili, nangona ukuba imali yokuqala yemali iyincinci.
Ukuqala iNcinci
Enye indlela evelele yokwenza oku kukusebenzisa iifowuni zokusebenza ze-smartphone ezifana ne-Acorns. (Umsunguli walo, uJean Cruttenden oneminyaka eyi-millariyali, washaywa ngcamango ngelixa ekholeji ngokwakhe.) I-Acorns ithatha yonke into oyichithayo ekuthengeni kwikhadi le-credit kunye ne-debit. Utshintsho lutyalo-mali ezintandathu ezahlukeneyo ngemali ngokuxhomekeka kwengozi. Kujoliswe ngakumbi kubalimi abatsha abajongene nezindlu zokuthengisa.
Enye indlela ivela kwiindawo zokutshala imali kwi-intanethi njenge-Betterment. I-website yomsunguli we-Jon Stein ilandela indlela ecacileyo apho ungena kwiminyaka yakho kunye nenjongo yesihlanu yokutshala-mali (oko kukuthi "ukwakha ubutyebi" kunye "nethephelo"). Yenza imali-mali ngokudibeneyo kwamasheya kunye nezibhonkco: iipotfoliyo zezolimo-mali ezahlukahlukeneyo zee-12 zee-asethi zehlabathi.
Ulungelelaniso luyiqonga elikhulu lokuba abatshali-mali abatsha baqalise, "kusho uDavid Weliver, umhleli we-MoneyUnder30, i-website yezemali kunye newebhusayithi yokutyalomali. "Akunalo utyalo-mali obuncinci kwaye kulula ukwenza iincinci, utyalo-mali nyangazonke nge-deposit ngqo."
Fumana loo Mqeshi ofanayo
Kukho isicwangciso sokutshekisha imisebenzi emitsha ngokucophelela ngeenzuzo. Okanye ukuba ufuna i-grabber ingqalelo, njani le nto? IMALI YEMALI! Itholakala kwiindawo ezininzi zokusebenzela, nangona isidlo sakusiya simahla.
"Iminyaka eyi-Millennial ngemisebenzi enika i-401 (k) umdlalo womqeshi kufuneka ithathe inxaxheba kumlinganiselo ofanelekileyo wokufumana umdlalo opheleleyo; oku kukhululekileyo imali yokuthatha umhlalaphantsi, "utshilo u-Anthony Criscuolo, umcwangcisi wezemali oqinisekisiweyo kunye nomphathi wepottoliyo nge-Palisades Hudson Financial Group ye-Ft. I-Lauderdale, eFlorida ofisi.
Ukubeka i-401 (k) okanye i-akhawunti yomhlala phantsi ngamnye (IRA) ibonisa utyalo-mali obaluleke kakhulu kubasebenzi abaselula. Ewe, ukuhlawula ityala lomboleko kubalulekile. Kodwa ukubeka bucala ngemali ngamnye ngomhlala-phantsi, ingakumbi xa uqala kwiminyaka engama-21 okanye osemncinci, ubeka i-egg kwiqanda lokuthatha umhlalaphantsi. Enyanisweni, unokuguqula i-$ 45 ngenyanga ukuya kwi-1 million yezigidi nje, ukuba uyayazi imithetho yomdla wekhampani.
Masithi umntu oneminyaka engama-20 uqala ukuhlawula i-$ 45 ngenyanga kunye ne-50% yemidlalo yomdlalo. Ukuba iphakamisa igalelo ngemali efanayo naleyo nayiphi na imali ephakanyisiweyo, uya kuba ne-$ 1 yezigidi ngokuthatha umhlalaphantsi-ecinga ukunyuka kwama-3 ekhulwini kunye ne-8.5 pesenti ebuyela kwi-401 (k) utyalo-mali.
Ngokwe-2014 ingxelo yeBhunga leNzuzo yamaMerika, malunga ne-80 ekhulwini yabasebenzi bexesha elizeleyo banokufikelela kwizicwangciso zomhlala-phantsi ezixhaswe ngumqashi, "kusho uJacob Capolongo, intloko yeemveliso zepositi kunye nexabiso kwiTD Bank kwaye isekelwe kwiNtaba yaseLaurel, eNew. Jersey.
Qinisekisa iBelt yakho kwaye utshale imali oyigcinayo
Kukho umbuzo wokukhulula imali-kwaye ewe, siya kukuncedisa inkulumo malunga ne-Bigbucks latte yemihla ngemihla. Izigqibo ezinkulu, kunye nabancinci, ziyakwazi ukukhulula imali, nangona abanye bekunzima ukuyijonga. Ukuba ukhetha ukuthatha umsebenzi eSan Francisco, umzekelo, uya kuhlawulwa ngaphezulu-kodwa uya kuhlawula ngaphezulu kwirenti. Eninzi kakhulu.
Izibalo ezihlanganiswe yiRadPad, ukukhangela kwendawo yokuhlala kunye nerenti yokubhatala intlawulo, bonisa ukuba isixeko seSango leMigcoba sidinga iifolda zegolide ukuze sifumane indawo yokuxhoma inqanda yakho.
Abasebenzi bezinga lokungena baya kuchitha iipesenti ezingama-79 zeengxowa-mali zabo kwirenti eSan Francisco naseNew York, uza kuchitha iipesenti ezingama-77 zengeniso yakho yokungena kwizinto ezinqabileyo: igumbi elilodwa lokulala eliya kumyinge we-$ 3,000 ngenyanga .
Ukuthatha umsebenzi e-Austin, eTexas, ngokuchaseneyo, uthetha nje iipesenti ezingama-36 zomvuzo ukuya kwirente. Kwaye akukho nto yakutshanje engqondweni yabo efanelekileyo iya kubeka i-Austin-enye yezona zixeko zomculo ezinkulu kunye nomzi waseMzantsi ngokusondeza umculo we-Southwest-kuba yindawo ehle kakhulu yokuhlala.
Ezinye zezi zinto zithetha ngokucokisekileyo ukucinga ngeendleko osube nazo ngokumalunga nezinga lokubuyela. Ukuba uqeshe i-akhawunti-mboleko ukwenza irhafu yakho, umzekelo, umntu onenkxaso eninzi kunye nesakhono esiphezulu sakhono unokukwazi ukunokubuyisela imali enkulu, okungaphezulu kokuhlawula ireyithi yehora eyanda. Kwaye ukuba unesimo sokuhlaziya imali mboleko yomfundi kwisantya esincinane somyinge, uya kubeka imali eninzi ephaketheni lakho emva kwexesha elide.
Fundiswa
Ekugqibeleni, kukho ukucinga ukuba, ngokwenene, uzifundise.
Iingcebiso ezinkulu zokutshala imali zingatholakala kwi-intanethi, kwaye kukho, ukuba ufuna, ubutyebi bemithombo ehloniphekileyo. Mhlawumbi awukwazi ukufumana umcebisi wezezimali ngabazali bakho basebenzise, kodwa ngokuqinisekileyo unokufunda iblogi yakhe ... okanye ulungiselele ukuba umhlangano wexesha elilodwa uphelele imeko yakho kwaye ufumane ezinye iinjongo.
"Nangona ukuhlawula iingcebiso ngezezimali kunokubonakala kungenakufikeleleka, ngaba ootitshala abancinci kufuneka baqwalasele ngokukodwa ukubonisana kunye neengcali zemali," uCriscuolo uthi. "Njengoko ubeka impilo yakho kugqirha okanye kwimoto yakho kumatshini, ukutshekishwa kwiprojekti yemali inokuzihlawulela ngokwayo ekusekeni isicwangciso sezimali esilula ixesha elide."