01 Zvaungaita Kana Uchida Kubhadhara -
Muchikamu chino nhanho-nhanho, tichakupa mamwe mazano makuru ekutarisana nekumanikidzirwa kwemhirizhonga. Nzira yekudzivirira sei mari yako, enda mberi, uye utange hupenyu hwako hutsva.
The Old Paradigm ye "Company" Murume kana Mukadzi Akafa
Chizvarwa chakadarika, murume kana mukadzi aigona kuenda kunoshanda kune kambani, ave nebasa rakakura uye rinogutsa kushumira akatendeka kushanda. Mukutsinhanisa, iye akapiwa mukana wokurasikirwa zvakanaka kuburikidza nehutano hwehutano hwehurumende, kubhadharwa kubhadhara kunowedzera, zvikwereti zvakakwana zveutano, pamwe nechechi yezvikomborero zvaisanganisira vabatsiri, kofi yakasununguka, zvokudya zvekudya zvinoshandisa zvokudya zvisingadhuri, nezvimwe zvinodhura kuponesa matanho evashandi vakawanda havana kunyatsonzwisisa. Nhasi, mune zvose kunze kwezviitiko zvishomanana zvakasiyana-siyana kana maindasitiri, icho chiitiko chaenda. Iko kushanduka kwakaguma kwe "kuparadza kwekusika", izwi rakagadzirwa muna 1942 nemudzidzi wezvemari Joseph Schumpeter.
02 Yekare Paradigm ye "Company" Murume kana Mukadzi Akafa
Pasinei nezvaunonzwa kubva kumapoka mashomanana ezvezvinobudisa nhau, kuchinja uku kunogona kunge kwakanaka chaizvo kune hupfumi hweUnited States. Maindasitiri aive anopa rupo, anowedzera, aisagona kuwana mari yakawanda iyo yavakakwira kune vashandi. Iye zvino, chizvarwa chemazuva ano chiri kubhadhara izvozvi kukanganisa nekambani kubhadhara mari. Mumakambani emhepo, somuenzaniso, vazhinji vanoshevedzera maimbova mahombekombe makuru ekare. Asi, izvo zvavasingazivi ndechokuti "mhuri" yose kana iwe uchizofunga nezveUnited States nenzira iyo, zviri nani zvikuru kubva - funga kuti kubhururuka kune imwe nyika kamwe chete kwakabhadhara zviuru zvemadhora (izvo zvisingatombogadziriswi nehupfumi! ). Mazuva ano, mabhizinesi nemhuri vanogona kufamba kwose kwose munyika iyo chikamu chemari inoshandiswa, zvichiita kuti pave nehupenyu hwepamusoro hwehupenyu kune wese kunze kwemhizha. (Hazvirevi kuti haugoni kukura uine pfuma paunenge uchishanda mumabhizimisi akadaro. Kuti uwane mamwe mashoko, verenga Hongu, Virginia, Iwe Unogona Kuve Wakapfuma .)
Kunyange zvakadaro, zvinogadziriswa zvakajeka: Izvi zvibereko zvinobudirira zvichazonzwa nemakambani. Ndiani ane makambani? Ndizvo chaizvo - vagovana vemunhu; mumwe nomumwe kubva kuna Amai vako kuenda kumushandi wekufekitari, uye magweta anokwidziridza pamusoro pePark Avenue. Kana iwe uchitarisa pakushandisa mari yako kuti uve nehuwandu hweAmerica, Inc. iwe unogona kuita zvakanyanya, zvakanaka kwazvo kwenguva refu. Kana zvakadaro, iwe unotarisira kukwanisa kushandisa mari yako yose uye uchiri nehupenyu hunofadza hwepfuura, iwe uchanyanyoodzwa mwoyo paunenge uchikura sezvamunoziva kuti haugone kushanda uye iwe unogona 't kuribhadharira moto wako. Chinhu chikuru pamusoro penyika ino ndechekuti inouya kune imwe sarudzo. Iwe haugoni kutanga parwendo irwo kusvikira iwe pakupedzisira uchibvuma, zvakadzika pasi, kuti iwe chete unogona kupa zvekurega kwako iwe.
03 Rongedza Zvaunenge Uchida Kuvaka Pakarepo
Chikonzero chikuru chikonzero vanhu vanopinda mudambudziko kana vachirova mari isingatarisirwi yemari ndeyekuti vanoenderera mberi kurarama sezvavakaita kare vasati vachinje maitiro avo emari. Imba imwechete yekubhadhara. Kubhadhara motokari imwe chete. Izvo zvigadzirwa zvakadai semadhora mazana mana emakayiwa uye makagadziro emashizha pamasimba emaguta emagetsi - chero chii chinoitika kuva iwe pachako unofadza.
Pane kudaro, iwe unofanira kunge uchingobva wavhara zvose zvisiri izvo zvinokosha, kunyange iwe uchifunga kuti unokwanisa kuzvipa kusvikira iwe ugere pasi uye uise pepa pepepe kuti uwane pfungwa yekuti iwe unomirirei zvechokwadi. Bvisa bvudzi rako rakatarirwa, edza kufamba kana kukwira bhasikoro kana iwe usingafaniri kutyaira, uye zvichida uchitengesa motokari itsva uye uite nayo iyo yakanaka asi yakashandisa imwe. Chinokosha apa ndechekuita kuti mari yako inokosha isati yatanga kuvhara mhepo nokuti iwe uri kugara uchichengetedza, uchipisa nemari.
Iwe unogona kunge uchifunga kubata basa renguva pfupi mubasa rekubhadhara rakaderera kuti uchengetedze mari yako ichiyerera uye ichengetedze mhuri yako. Funga kuva checheche paWal-Mart kana Home Depot ; zvichida yakazarura e-commerce nzvimbo yekutengesa kuedza kuwedzera mari kuburikidza newebhu. Chero zvazviri, chinangwa pano hachisi basa asi kuchengetedza bhadha rako nekuwana zvakakwana izvo, kana zvakabatana nemari yako yekuderedza, zvinokutungamirira iwe kutsika mvura mune zvemari.
04 Usasangana Yako 401k! Zvakanyanya!
Handina hanya kana imba yako yapisa uye iwe wapfuura nemari yega yega yako yekuchengetera - usambobvisa mari yacho kubva kune yako 401k account nokukurumidza nokuti iwe une nguva shomanana yekuyerera kwemari. Ndiri kuzotaura: Ndi STUPID. Ndinokumbira ruregerero nokuti uri kutaura zvakanaka, asi kunobva munzvimbo imwechete yerudo sebaba vachitaura nemwanasikana wavo ari kuyaruka pamusoro pekukurumidza kwekugara kunze kwemasikati manheru - tinongoda iwe zvakanakisisa kwauri! Zvichipa kuti kubvisa kwako hazvirevi kungobhadharwa pamitero nguva dzose asi kune imwezve yegumi yemari inotengesa mutero inobhadharwa pamusoro pavo - kusataura kuti iwe warasikirwa nezvose zvinowanikwa iwe zvaunenge wawana panguva ino - uye hupfumi hwechokwadi hunofanirwa mberi hunotyisa kwazvo .
Somuenzaniso, kana iwe uri makore makumi maviri kubva kure nekurega basa uye iwe unotora $ 25,000 kubva kune 401k yako kuti uwane zvikwereti uye ubhadhara chikwereti chako, iwe uchave wakarasikirwa mari inosvika madhora 201,558 mune ramangwana mari inogona kunge yakaita madhora anenge 1 000 pamwedzi mukutora mari yako pasina kumbobata mukuru. Chii chaunowana pakuchinjana? Tichifunga kuti uri mu-bracket 25%, uye chirango chakawedzerwa, uchawana $ 16,250 mumari nhasi. Ndezvipi zvaunoda kuva nazvo? Bhadhara zvikwereti zvako zvino uye unzwe zviri nani ne $ 16,250 mumari kana kuti kumirira uye uve nemari ye $ 201,558 inogona kutsigira ruzivo rwehupenyu hwehupenyu? Panzvimbo pezvo, vakakurumbira vezvemari vakaita sa Suze Orman vakakurudzira kuti uzarure kadhi rechikwereti rine zero-muzana inofarira kwenguva yakareba uye urarame kubva pairi kusvikira iwe uwana rimwe basa. Chero bedzi iwe unogona kuchengetedza bhiri isati yatora chikwereti chechibereko chidzorera chikwata chepamusoro, iwe unopedzisira uri nechokure, mari yakawanda kwazvo munguva refu. Ndiyo mari yakawanda yekukubatsira iwe nevemhuri dzako kurota kwechokwadi.
05 Usakanganwa kushandisa I Rollover IRA
Kuvaka pane pfungwa yedu yekupedzisira, iri chiedzo chakakura chekuti vamwe vanhu vawane mari kunze kwerongwa hwavo hwekurega basa. Zvakare, icho chaizova chikanganiso chakaipa panyaya yekubudirira kwemari yako kwenguva refu. Zvisarudzo zvako ndezvekugadzirisa zvinhu zvako zvema 401k zviripo mune zvekare zvinonzi "rollover" IRA pane imwe nzvimbo yezvemari yakadai sekambani yako yekutengeserana kana bhangi kana kuisa mari iri muIRA iripo. Nzira yekutanga inowanzova yakanaka yepfungwa mbiri nokuti kana ramangwana rako rinokubvumira kuti uunze zvinhu zvako zvekare kubva kune yako yekare yekambani-yakatsigirwa basa rekurasikirwa, iwe unogona kungovaendesa kune chirongwa chako chitsva cha 401k mushure mekunge wakashandira. Kana iwe wakavhenganisa zvinhu, zvakadaro, iwe uri kunze kwemahombekombe.
Uyewo, nzira yakanakisisa ndeyokuita kuti mushandirwi wako aise mari yacho pachake mumabhuku enyu matsva. Kana zvisina kudaro, iwe uchasangana nemvumo yeRS inholding makumi maviri kubva muzana.
06 Chengetedza Wawakaroorana naye kana kuti Mudiwa Wekubatsirana
Iyi ifupi uye kune-iyo-asi inokosha zvachose. Dzimwe nguva, unogona kukwanisa kufambidzana kuburikidza nemushandirwi wemumwe wako. Mukuwedzera pakuchengetedza mari inokosha yekutsinhanisa mari nekuderedza mari, izvi zvinogona kukudzivirira panguva iyo uri kuedza kuwana basa idzva kana basa rekuita mune imwe nhamo yehutano kana dambudziko rehupenyu. Kazhinji, wawakaroorana naye kana waunofambidzana wako achangofanira kutarisa nebazi revanhu rekushandisa kuti awane kuti ndezvipi zvingasarudzwa nazvo uye pamutengo upi
Chimwe chinhu chaungada kufunga nezvacho kana chisina kupiwa newawakaroorana naye chikwereti chekuremara. Izvi zvichakudzivirira iwe nemhuri yako pane imwe nguva iwe unenge wakaremara zvakakomba. Kazhinji, kune marudzi maviri ehutano inshuwalhu: nguva pfupi inobatanidza chero ipi zvayo kubva pavhiki mbiri kusvika kumakore maviri, uye nguva yakareba inotora nguva yemakore anopfuura maviri. Chaizvoizvo, inotsiva mari yako kana iwe usingakwanisi kushanda sechikonzero chekuremara, izvo zvinogona kukudzivirira kuti urege kubvisa zvikwereti zvako uye kubhadhara mari dzekubhadharwa kuti ubhadhara mabasa ekurapa.
07 Unofanira Kutora Buyout Here?
Kazhinji, mukuedza kukwanise vose vanogadziridza uye vamiririri vavo, Bhodi reVatungamiriri, avo vanoda kuderedza mari yekuchengetedza kambani uye / kana kuvandudza kushanda panguva imwe chete vachidzivisa kushungurudzika kunorwadza, vatungamiri vachapa vashandi kutanga mapepa ekutengesa, vachivanyengedza kubvisa pamba mukutsinhanisa nokuda kwekugadziriswa kwezvakavimbiswa zvakadai sekubhadhara mari, annuities lifetime, etc. Izvi chaizvoizvo chinhu chikuru nokuti inobvumira avo vanoda kubuda kuti vaite saizvozvo pane imwe yepamusoro-inhamba iyo iyo, zvakare , inoita kuti vafare apo panguva imwe chete vachichengeta vashandi vakawanda sezvinobvira kune vashandi vanoda kuramba vachishanda. Saka, iwe unoziva sei kana kuti kwete kutora nguva yekurega mari yekupa mari?
Zvibvunze mibvunzo iyi ...
- Ndinoda here zvandinoita? Ndiri kuratidza kuti ndishande pane chimwe chinhu kupfuura mari here kana ini ndiri kunyanya kufarira mubhadharo? Kana mhinduro yacho ndeyekupedzisira, iwe ungada kutora buyout uye kubvisa pakarepo.
- Ndingawana here rimwe basa rakawanda zvakakwana kuitira kuti kutenga kunogona kuwedzerwa kumaakisi angu emarenda ekurasikirwa? Iko mari inogona kunge yakakosha yakawedzerwa iyo inogona kukuita iwe pedyo nemari yako zvinangwa kana iwe uine mari yakajeka.
- Ndine chokwadi sei kuti ini kana ndikasatora zvigadzirwa zvangu, ndicharegwa zvakadaro? Kakawanda, vashandi vasingatori nguva yekurega basa vachipa mari uye vanoiswa pazororo nechinguva chezvavangadai vakagamuchira kana vakasarudza kuenda vachizvidira. Zvinosuruvarisa, iyi inongova mutsara wekusawirirana - unayo here iyo kambani inotarisa kuburikidza nokuunza nheyo dzakananga dzisina kunyanya kubatwa nevamwe vashandi? Ko zvingave zvisingabatsiri kubvisa basa rako nekutsvaga iwe nemushandi wepamusoro unobhadhara here? Iwe uri mune mari yekutora dambudziko iri here? Kana zvisingaiti, iwe ungada kufunga nezvekupa mari yekutenga uye kubvisa pakarepo.
08 Zvakaoma ... Asi Usatora Zvomunhu
Iyi ndiyo chikamu chakaoma zvikuru. Vanhu vazhinji vanoona basa ravo sekuwedzera kwehuzivi hwavo. Havakwanisi kuparadzanisa ivo pachavo kukosha kwezvakanaka uye kuzviremekedza pane izvo zvavanoita; mufananidzo wacho anogadzirisa kubudirira kwake pamagamuchirwa emunharaunda yake, nyeredzi yemafera paanoratidzwa nevateereri munguva yekuvhara, mubhizimisi webhizimisi pane pfuma iye anoshanduka kuva mukuru wake, uye mushandi wekambani pahupamhi hwechibereko anogadzira . Apo mumwe munhu anouya kamwe kamwe kwauri uye anoti, "Ndinotenda, asi isu hatigoni kukugadzirira iwe zvakare," zvinogona kunge zvinoparadza kwete kwete chete mari yemari, asi nehutano hwepfungwa pamwe chete.
Chinhu chinokosha ndechokuona izvi semukana. Wanga uchida kuti zviitike here? Zvichida kwete. Asi iwe zvino une mukana wekugadzirisa hupenyu hwako uye kuronga kuti unoda sei; kutanga kutsva. Chero bedzi iwe uchidzivisa zvikanganiso zvatakakurukura - kubvisa mari yako kubva ku 401k, uchirarama nehutano hwemari imwe chete, uchiramba uri kunze kwevashandi apo iwe unotarisira "basa rakakwana" pane kutora chimwe chinhu chinoita mari panguva ino - iwe unogona kunge uchikwanisa kumira pamakumbo ako. Panguva ino, iwe ungada kuongorora zvimwe zvezvimwe zvikamu zvedu pamusoro pemubhedha ...