Utshintsho lwe-Midlife Career Lungaba Lona Lwakho Lwamaxabiso Enkulu

UMichael Haubrich uye wavelisa inkqubo ebizwa ngokuba yiCareer Asset Management. Indlela yakhe inceda abaxhasi abacinga ukuguqulwa komsebenzi wokuphila kwimihla ngemihla baqala ukucinga ngesidingo sokuqwalasela imisebenzi yabo phakathi kwezinto zabo ezixabisekileyo, kunye namakhaya abo, iakhawunti yomhlalaphantsi , kunye nezinye izinto zemveli.

Yenza ingqiqo. AmaMerika kumanqanaba omvuzo aphantsi (abangaphantsi kwamaRandi 40,000) abasebenza ukususela kwiminyaka engama-20-60 banomsebenzi oxabisa ngaphezu kwezigidi ezigidi zeedola.

Utshintsho lomsebenzi ophakathi kwelo xesha olwandisa ubomi baloo msebenzi luyakwazi ukuphucula ngakumbi ubutyebi babo bexesha elizayo, ngaloo ndlela banikele ngeniso engaphezulu, kunye nokukhuseleka ngakumbi, xa bethatha umhlalaphantsi . Ukuchaza indlela yokucinga, uMichael uthi:

"Ukuba ucinga i-asset yakho yemali njengesixa-mali sexesha lakho, kunye neetalente, kunye neendlela ezinokwenzeka, kufuneka ulawulwe ukukhulisa ukubuyela kwexesha elide, njengokuba uza kulawula ezinye iimpahla.

Ukubuya kwakho kwempahla yexabiso, yenziwe ngumvuzo okhoyo nje ohlawulwa ngawo, kodwa ukwaneliseka owamkelayo ngokwenza oko kukunika amandla. Oku kunzima ukulinganisa, kodwa akukho ngaphantsi kokubaluleka okubalulekileyo ekulawuleni impahla yakho yempahla.

Ngokungalingani umsebenzi kunye neenjongo zokuphila obeka ingozi yokuxhatshazwa komsebenzi - ukuveliswa kwemveliso, imiba yempilo enxulumene noxinzelelo, kunye nenani elincinci lomsebenzi ngaphambi kokuthatha umhlalaphantsi. "

Isihluthulelo sokwandisa ubomi bomsebenzi wakho: ukuba yiyiphi i-Cali Williams Yost, umbhali we- Work + Life: Ukufumana i-Fit ekulungeleyo kuwe , ubiza "ukulungelelanisa ukusebenza komsebenzi".

U-Cali unikezela ngezibonelelo ezongezelelweyo kwiWebhu yeeNkonzo + zeBomi.

Ngomsebenzi wabo, uMichael no-Cali banceda abathengi ukuba bafumane izicwangciso ezichanekileyo. Ukongezelela, uMichael unceda abathengi ukuba baqwalasele iimpawu zezemali zenguqu yokuphila kwimizi, ukuze banokuziva ukuba isigqibo asiyi kubabuyisela.

Nazi ezinye iziphakamiso oza kuziqwalasela.

Cinga Ngezinto Ezintsha

Kukho imivuzo evela ekuxazululeni iingxaki emsebenzini. Ukuba umsebenzi wakho awuniki umgangatho okwaneleyo wokwaneliseka, kunokulula ukucinga ukuba umhlala-phantsi uyindlela yokuphuma. Abaninzi abahlala phantsi, nangona kunjalo, bafumanisa ukuba umhlala-phantsi awukho into ababeyithemba.

Into ababeyifunayo ngokwenene yayiyindawo apho bekwazi ukukhula khona; indawo apho banokuba negalelo kwaye babe yinxalenye yento enomdla. Ukutshintshwa kwimizi yokuphila kwimizuzu ingaba yindlela efanelekileyo yokuthatha umhlalaphantsi; Kwakhona kungabonakalisa ukuba kunomvuzo.

Ungacingi ukuba awunakukwazi ukukwenza utshintsho

Umzekelo: Cinga ukuba awuyithandi imisebenzi yakho eyi-100 000 ngonyaka ngonyaka. Ubona ukuba unako ukuhlala omnye iminyaka emi-5 kumsebenzi wakho. Ngeenombolo ezilula, oko kufaka i-$ 500,000 yengeniso kwintsapho yakho. Kukhona omnye umsebenzi ocinga ukuba ungathanda, kodwa uhlawula i-$ 55,000 ngonyaka.

Nangona kunjalo, ukwenza utshintsho lwabafundi bexesha eliphakathi lithetha ukuba awuyi kutshisa, kwaye unokuvuyela ngokuqhubekayo ukusebenza iminyaka emibini. Ukusebenzisa amanani alula, umvuzo ophantsi ohlawula ukongeza imali engama-556,000 engeniso kwintsapho yakho.

Nangona ungeke ukwazi ukufaka isandla kwiiplani zomhlalaphantsi kunye nomsebenzi ophantsi ohlawulayo, ngokusebenza ixesha elide, uya kuba ulibazise ixesha apho kufuneka uthabathe iipropati.

Ukuba awukhululekile ukuqhuba ngeziganeko zemali ngokwakho, fumana isicwangciso semali esiluncedo ukukunceda. Unokufumanisa ukuba unokhetho olunokubakho imali kunye noluntu olukhangayo.

Xoxisana noMqeshi Wakho

Abaqeshi abaxabisa izakhono zakho baya kuvuleka kwiziphakamiso. Isihluthulelo sokuxoxa ngeendlela, ukunyaniseka nomqeshi wakho. Musa ukusongela. Batshele ukuba ungathanda ukuhlala yingxenye yenkampani yabo iminyaka emininzi, kwaye ukuba utshintsho oluncinci luya kwenza konke umehluko. Iimbono ezimbalwa:

Ukuthabatha iNdlela yeCandelo

Ukuba ufumanisa ukuba kukho iinkalo ezithile zomsebenzi onokuzibhokoxa ngazo, zinyaniseka kumqeshi wakho, kwaye ucele uxanduva oluninzi ngale ndlela.

Ngelo xesha, cinga ukufumana umntu osebenza naye ogqwesileyo kwimimiselo yomsebenzi ongeyithandiyo. Umqeshi wakho unokuvulela indlela yeqela ukuze uyenze umsebenzi.

Funda izakhono ezintsha

Izakhono ezintsha ziphucula ukuzithemba kwaye zivula iingcango ngamathuba emisebenzi eminye. Cinga ngokuthatha iklasi yokuphendula, iklasi yekholeji yoluntu ekutheni uluntu, okanye ukufunda inkqubo entsha yekhompyutheni njenge-PowerPoint okanye i-Excel.

Ndinomhlobo omnye, ekupheleni kweminyaka engama-50, othayibhile kwiklasi yokuthayipha. Ufuna ukubhala incwadi kwaye wagqiba isigqibo sakhe sokuqala ukufunda ukuthayipha. Ndiyazi omnye obuyele kwi-degree ye-Master kwi-58 ubudala. Akukaze kufike ixesha elide ukuba aphishekele umsebenzi othanda ngawo.

Cinga ngemigomo yeNgqesho-Isekelwe kwiNgqesho

Fumana umsebenzi ohambelana nendlela ophila ngayo. Endaweni yokuba ulungele ubomi bakho emsebenzini wakho, fumana iindlela zokwandisa ixesha elide lomsebenzi wakho ngokufaka umsebenzi wakho ebomini bakho. Ndinomthengi oya e-Alaska nganye ehlobo ukusebenzela kwindawo yokutya. Uthatha ama-winters ukuba achithe kwiindawo ezifudumele.

Iinqanawa ezininzi zokuhamba kunye nezinye iindawo zeeholide zidinga abaqeqeshi abanezakhono zonyango kubasebenzi kwaye banokunika iishedyuli zonyaka. Iifom eziphendulayo zifuna uncedo lonyaka ngamnye werhafu. Iifama zobunjineli zinokunciphisa iindleko ngokuba ngabaqeqeshi abanolwazi abaqeshwe kwiprojekthi.