Indlela ngaphambili.
Ingcamango yale ntshukumo kukunciphisa iindleko kunye nokwandisa ukonga kwakho ukuvumela ukuba ufikelele ukuzimela kwemali kunye nomhlalaphantsi . Intshukumo iyazibiza nge-FIRE-mfutshane ngenxa yezobuhlanga.
Iyintoni intshukumo yomlilo?
Utshukumo lomlilo lwenziwa ngabantu abajikelezayo belizwe elicinga ukuba kufuneka uphile kakuhle ngaphambi kokuba uthinte ama-60s, kunye nabanye bekhuthaza ukuhlala phantsi. Ukuba ucinga ukuba akunakwenzeka, jonga nje enye yeenkokheli ze-FIRE , UMnu. Money Mustache.
Ubomi bwenene, uMnu. Money Mustache uhamba negama elithi Peter Adeney. U-Adeney nomkakhe bazama ukuhlala ubomi obuhle kakhulu kwilizwe lakubo laseLongmont, eColorado. Bawasindisa malunga neepesenti ezingama-50 zeengeniso zabo kwiindleko eziphantsi zeVanguard, ngokwewebhusayithi yakhe. Phakathi kweendleko eziphantsi zokuhlala, iipropati ezimbini zokuqashisa, kunye noVanguard utyalo-mali, wakwazi ukuthatha umhlalaphantsi kwiminyaka engama-30 ubudala!
Ngelixa u-Adeney ehlala engumholi obalulekileyo kwi-Community community, intshukumo isasazeke ngaphaya kwayo, kunye neendawo ezikulobhu kubandakanya iforamu ye-FIRE Reddit, i-Exitme yangaphambili yomhlalaphantsi, i-Mad FIentist, i-Frugalwoods kunye nohlu olukhulayo lweBlogs.
Amanyathelo okugqithiseleyo
Ukwenza umsebenzi womlilo, kufuneka udibanise ukugcina imali enobudlova ngokugqithisa okukhulu. Oku kuyona nto inzima kakhulu inxalenye yomlilo kubantu abaninzi abanomvuzo ophakathi. Ukuba ufunde malunga nokuziphatha kwangaphambili, usenokuba uqala ukukhangela ubuso ngokuthelekiswa nendlela abanye abantu abakwindawo yomlilo abakhetha ukuhlala ngayo.
UMnu Money Mustache usandul 'ulwabiwo-mali olusisigxina malunga nesabelo-mali seentsapho, esiphumela kuma-25,000 ngonyaka. Ewe, yile bhajethi yonke yonyaka yentsapho yabathathu abahlala kwindawo ephakathi kwinqanaba eliphakathi kweDenver. Ngaba unokucinga ukuba ufumana iindleko zakho phantsi kwelo xesha?
Ukusika iindleko zakho ukuya ngaphantsi kwama-$ 10,000 ngamnye ngomntu kufuna umnikelo kunye nokucwangciswa okuninzi. Kuthetha ukuthintela ekuthengiseni nasevenkile yokugcina impahla, kwaye kusenokuthi ukuthetha ngeebhayisikili endaweni yeemoto, ithala leencwadi kwiindawo ze-Amazon, kwaye uguqule izinto ezifana neefesi zeefesi kunye neevenkile zibe yizinto zokunethezeka zezinto eziphathekayo kunokuba ziqhutywe kwimihla ngemihla okanye ngeveki.
Gcina i-50 ekhulwini okanye ngaphezulu yengeniso yakho
Yintoni oyenzayo ngayo yonke le mali eyongeziweyo xa ungasayinikeli ngokuthenga rhoqo, ukuthenga, kunye neendleko? Gcina kwi-index index-cost cost. Umlilo omkhulu ugxininise iintsapho kunye nabantu bafaka yonke imali kwiNgxowa-mali ye-S & P 500 ye-Vanguard; ihlawulisa kuphela iipesenti ezingama-0.04 kwiimali ze-Admir version, ekhoyo kulabo abanokungenani ama-$ 10,000 ukutyalomali.
Sinokungena kwingxoxo enkulu malunga nokuhlakanipha kokubeka yonke imali yakho, okanye ininzi yayo, kwelinye okanye inani elithile lemali.
Umphakathi woMlilo uza kuthetha ukuba i-S & P 500 iyanda malunga neepesenti ezili-10 ngonyaka, kwaye idibanisa iphothifoliyo yakho ngokukunika ubunini beempahla ezinamakhulu ama-Amerika ezinokuthengwa kotyalo-mali olulula.
Iingcali ezininzi zotyalo-mali zibonisa ukugcina ubuncinane iipesenti ezili-10 ukuya kwi-15 yepesenti yakho yengeniso kwi- 401 (k) okanye i-IRA , kodwa le mali iyanqanda ukufikelela kwimali yakho de uze ufike kwi- IRS yobudala beminyaka yobudala . UMOTO ubiza iingeniso zerhafu ezingenakukufaneleka, kwaye ezinye iibhloko zebloki ezinjenge-Mad FIentist zixubusha iindlela zokukhetha ukukhawulelana nemida ye-akhawunti ye-IRS yomhlalaphantsi.
Kodwa ukuba unako ukwenza umsebenzi, qwalasela oku: Unyaka ngamnye womsebenzi unokukunika unyaka opheleleyo weendleko zokuphila ngoku, kwaye unyaka opheleleyo wokuthatha umhlalaphantsi, ukuba unako ukusindisa kuma-50 ekhulwini. Oku kuthetha yonke iminyaka emihlanu usebenza kukunika iminyaka emihlanu yomhlalaphantsi, kwaye loo nto ayikho ukukhula kotyalo-mali.
Xa unika ithuba elide elide elide elimalunga ne-10 ekubuyiseni imali, ungasondela kumhlala phantsi ngesantya kunomnyaka owodwa wokuthatha umhlalaphantsi unyaka ngamnye ngomsebenzi.
Bala usuku lwakho lomlilo ukuba ususe phantsi
Ukuba uchitha i-$ 25,000 ngonyaka, i-$ 100,000 yokugcina imali ikunika iindleko zokuhlala ezine iminyaka. Ngokuzisa iindleko zakho kangangoko kunokwenzeka kwaye ulondoloze ngenani elibi, ekugqibeleni uza kutshatyalaliswa kwinqanaba lakho lokuthatha umhlalaphantsi elikuvumela ukuba ushiye umsebenzi wakho ngokulungileyo.
Uninzi lwabantu baseburhulumenteni basebenzisa ulawulo lwekota lokuhoxisa i-4% ukwenzela ukuba bathathe isigqibo malunga nokuba banokukwazi ukuthatha ngokukhuselekileyo ukuthatha imali ngonyaka ngamnye ngaphandle kokuphuma kwemali. Ngaloo ngqiqo, nantsi amanqanaba okulondoloza afunekayo ekuthatha umhlalaphantsi kwangaphambili kwiindawo ezincinci zexabiso, ngenxa yoTyalo-mali Wekholeji.
Iindleko zonyaka | Inombolo yomhlala phantsi |
$ 48,000 | $ 1,200,000 |
$ 60,000 | $ 1,500,000 |
$ 72,000 | $ 1,800,000 |
$ 84,000 | $ 2,100,000 |
$ 96,000 | $ 2,400,000 |
Oku kuthetha ukuba ukuba uhlala kwii-48,000 zamawaka ngonyaka, unokushiya umsebenzi wakho nge $ 1.2 yezigidi ukugcina ngaphandle kokuphuma kwemali. Kodwa ukuba ungaphila kwi-24,000 yezigidi ngonyaka, njengamanye amalungu omhlaba asebenzayo, unokuthatha umhlala-phantsi kunye ne-600,000 zama-dollar.
Nabani na onokufunda kwi-MOTO, nangona oko kunzima kakhulu
Ewe, abaninzi abantu bafuna-okanye bafuna ukuchitha imali engaphezu kwama-25,000 kwiindleko. Ngelixa abaninzi baye bafumana impumelelo ngentshukumo yomlilo, inyaniso kukuba abaninzi abantu abayi kuphila ngokuvuyiswa ngendlela ephilileyo, ukuba bayakwazi ukuyixhasa.
Kodwa oko akuthethi ukuba awukwazi ukufunda okuthile ukusuka kwintambo yomlilo. Ukuba unokuthatha amanyathelo amancinci ekunciphiseni iindleko kwaye ukhulise imali yokugcina imali, unokuzifumana nje ngomzila wokuthatha umhlala-phantsi kwangaphambili, mhlawumbi kungabi nge-30, kodwa ngokuqinisekileyo ngaphambi kokuba uphendule iminyaka engama-65.