Kudzoka muna 1996, Thomas J. Stanley naWilliam D. Danko vakabudisa bhuku racho, "Millionaire Next Door: Zvinyorwa zvinoshamisa zvePfuma yeAmerica." Mamiriyoni aya musuo akafanana neasingaoneki akapfuma-ivo vanhu vasingatarisi chikamu. Havasi ivo vanhu vanotenga Lamborghinis idzva kana kuti vanodzungaira pasi pose munguva pfupi. Stanley naDanko vakaita shanduro dzakawanda kuti vaone kuti mamiriyoni evanotevera vakaunganidza pfuma yavo sei. Kunyange zvazvo kune zvimwe zvinyorwa zvitsva zvekusingaoneki akapfuma uye mamiriyoni ari pedyo, pasi apa pane zvinyorwa zvese zvakavanzika izvo zvese tinogona kuisa muhupenyu hwedu pachedu:
Chakavanzika # 1: Havana kupedza kupfuura zvavanokwanisa. Izvo zvisingaoneki mupfumi hazvirevi mari. Vanongotenga zvavanokwanisa uye havaedzi kuenderera mberi naJeses.
Chakavanzika # 2: Havana kumbomira kudzidza. Vasingaonekwi vapfumi vanoziva kuti kushandiswa mune zvedzidzo yavo ndiyo inonyanya kukosha yavanogona kuita.
Mushure mezvose, ruzivo simba-uye ruzivo rukuru runogonawo kutungamirira kune imwe muhomwe yakakura mumugwagwa. Iko kusingaoneki kutora toro pamikana yose inokwanisika yekuramba ichidzidza.
Chakavanzika # 3: Vanotarisa hupenyu hwekuwana mari pavanosarudza basa ravo. Avo vasingaoneki vapfumi vanotsvaka mabasa api achapa mari yakachengeteka nekuchengetedza.
Chakavanzika # 4: Vanoponesa uye vanoita mari kare. Avo vasingaoneki vakapfuma vanonzwisisa kukosha kwekuisa mari yavo kushanda. Zvichida kuburikidza nezvirongwa zvekurega basa zvakadai se 401 (k) s, IRAs, 529 zvirongwa zvekoroji kana chero imwe rudzi rwekugadzirisa hurongwa, vasingaonekwi vapfumi vanonzwisisa pfungwa yekubatanidzwa uye kuti mari inogona kukura sei kwenguva.
Chakavanzika # 5: Vane inshuwarisi yakanaka yekugovera. Vasingaonekwi vapfumi vanotenda kuti mari yeinishuwarenzi yakakosha iyo kuitira kuchengetedza zvavainazvo nevanoda. Kunyangwe iri inshurensi yeimba kana inshuwarisi yehupenyu, nzvimbo isingaonekwi yakafuma inokosha zvikuru pakuzvidzivirira pachavo nemhuri yavo kubva pamamiriro asingatarisirwi.
Chakavanzika # 6: Vakachenjera nekusatarisira kwemhepo windfalls. Usatarisira kuti asingaoneki akapfuma kuti aende uye anotenga yendeji itsva nefa rakakura iro raive rakagamuchirwa. Kunyangwe kana vasingaoneki vapfumi vakarova mega mamirioni, unogona kutarisira boka iri revanhu kuti riite zvakanaka nemari yavo itsva yakawanikwa.
Chakavanzika # 7: Vanobata paimba dzavo nemotokari. Avo vasingaonekwi vapfumi havanzwisisi yakakosha uye yakakura yemotokari yemuenzaniso, uye havadi kugara mumusha vane chikwereti chavanenge vachizobhadhara kuti vararame nokusingaperi. Pane kudaro, vasingaoneki vakapfuma vanotarisa motokari nemari inokweretwa mari uye dzimba dzinotengeswa pane imwe nhamba isingazovasiya imba isina urombo.
Chakavanzika # 8: Vanodzivisa chikwereti. Avo vasingaoneki vakapfuma vanotenda mukubhadhara chikwereti chavo. Havatenderi zviyero pakadhi ravo rechikwereti kuunganidza uye vanosarudza kubhadhara zvikwereti pavanopinda.
Kana iwe uchida kubatanidzwa pamasangano e "asingaoneki akapfuma," iye zvino inguva yakave nguva yakawanda yekuisa yakawanda yezvivanzika izvi kushanda sezvaunokwanisa.