Kukurumidza Kuisa Inyopi yeKiraji Makirasi Anoda Kufarirwa Nehupfumi Kwemari
Zvechokwadi, zvinoda basa rakaoma, chirango, uye nekwaniso yekuomerera kune bhajimende asi inogona kuitwa.
Kushandisa imwe yenguva inokosha yemari yemari , ndinoenda kuratidzira kuti $ 111 pamari yekubhadhara pamusana wepamutengo wekudzoka pamusoro pebasa rinogona kuchinja kusvika madhi 4,426,000 muupfumi achikanda zvikamu zvitanhatu zvegore mumutengo wekushaya mari ; imwe nzvimbo yematokisi , zvisungo , mari yekutengeserana, dzimba , nezvimwe zvinhu zvinochengetedza mhuri yako kurarama zvakanaka mukati mehupenyu hwako uye kushanda senhaka yevana vako nevana vazukuru (kana, zvichida, iwe unofarira rudo ).
Paunotanga Basa Rako, Nguva, Imba Yakanaka Imba, uye Zvakanaka 401 (k) Kubatana Kunogona Kubatanidza Kukuita Kuti Uve Akapfuma
Fungidzira iwe unoenda kunoshanda kune kambani yakafanana ne Starbucks mubasa rakadzika kusvika pakati pepakati, mumutengo wepasi-kusvika-midhi mumisika yeguta. Iwe unowana $ 40,000 pagore mubhadharo (iyo inonyanya kuderera kupfuura inowanikwa meneja we Starbucks inobhadhara pa $ 48,665).
Zvichienderana nechiyero chakaiswa mugore chero ipi zvayo, gore guru rekhofi rinowanidza 401 (k) zvipo zvemadhora-kusvika-dollar kusvika kune 4% yekutanga kana 6 muzana yemari yako. Uyezve, fungidzira yako inoshanda yakabatanidzwa mutero weHurumende, yehurumende, yomunharaunda, uye yemitero yemitero ndeye 28 muzana.
Iwe unosarudza kuti iwe unoda kuisa kunze 20% yemari yako yegore negore, iyo iri chinangwa chinokurudzira asi kwete kunyanyisa mumagariro ekuzvimirira mune zvemari.
Ndiyo $ 8,000 pagore. Zvisinei, vazhinji 401 (k) zvirongwa ndezveChechi 401 (k) pane pane Roth 401 (k) s . Izvozvo zvinoreva kuti iwe uchatora $ 2 240 kubvisa chikwereti chako chemutero; mari ingadai yakasvika kumatanho akasiyana-siyana ehurumende asi ikozvino inogara muhomwe yako semubairo wekupa ramangwana rako. Mhedzisiro iwe chaizvoizvo unongoda kuchengetedza mambure $ 5 760 kubva pamubhadhara wako gore rega rega, kana pasi pe $ 111 pamari yekubhadhara kwevhiki, sezvo hurumende inotsigira maitiro ako akanaka. Izvi zvinoreva kuti iwe wakangoerekana uchinge uchinge uchitengesa mari yako kunze kwe 38.89 muzana apo iwe uchiwana kuchengetedza mari inopfuura $ 2 240 kuisa mari yakadai sechirwere chekushaya rubatsiro kubva kuhurumende kwemakumi matatu, 40, kana makore makumi mashanu + .
Izvo hazvisi zvose. Nekusiyana-siyana 401 (k) kuratidzira purogiramu, mune mamwe makore, Starbucks ichaisa $ 1,600 muzvipo zvisingabhadhara mitero, asi kune vamwe, ichapura mu $ 2 400 mumutero usingabhadhari. Izvi zvinoguma ne $ 9,600 kusvika $ 10,400 mumari mitsva iri kuwedzerwa ku-akhawunti yako mwedzi gumi nemaviri, kunyange zvazvo iwe wakangoparadzana ne $ 5 760 kubva muhomwe yako pachako. Parizvino, iwe wakashandisa mari yako kubva kune 66.67 muzana uye 80.56 muzana, kunyange kana iwe ukasarudza kuisa mari muchikwata zvachose nekuisa zvipembenene mune chimwe chinhu chakafanana nemari yemari yemari !
Asi, tarisira! Pane zvakawanda! Chero bedzi mari ichiramba iri mukati mekuchengetedzwa kwemaka 401 (k), pasi pemamiriro ose ezvinhu, zvikamu, chikwereti, mari , uye mari yaunowana iwe haisi pasi pemitero! (Pane kudaro, iwe unobhadhara mitero paunotora mari, sokunge kuti uri mubhadharo paunopinda mubhadharo.Ipapo kana uchiedza kuisa mari yacho pakutanga, iwe uri pasi pe10 muzana chirango chepamusoro pamusoro pemutero wenguva dzose wakawirwa kunyange iwe unogona kutora 401 (k) chikwereti kana kushungurudzwa kwakaoma , iyo inenge nguva dzose inotyisa. Pasi pemitemo yemazuva ano, hurumende ichakukumanikidza kutanga kutora matanho ekuregererwa pazera remakore makumi manomwe nemashanu kuti uchengetedze nguva dzose kuwedzera mari mukati memutero .) Pasi pemamiriro ezvinhu akanaka, unogona kuwana inenge yezana remakumi emakumi emakore ekuwedzera kweteresi.
Iko cherry yekupedzisira pamusoro pepfuma iyi-sundae yekuvaka? Kana iwe uchinge uine dambudziko rezvemari uye uzviwanire mumatare edzimhosva, zvinokwanisika kuti mamiriyoni emadhora emadhora ako 401 (k) mari inogona kuchengetedzwa kubva kune vane chikwereti sezvo matare eve achizeza kupinda muchengeti wepamberi. (Ichi ndicho chimwe chezvikonzero zvausingafaniri kubvisa pasi zvikwereti zvako zvepasitorendi apo nyika yako yezvemari iri kuparara pasina kutaura nemuridzidzisi akakodzera, kutanga! Unogona kunge uri nani kubvisa kuvharwa kwekudzivirirwa kwekudzivirira kunopa uye kuvakazve nedendere rako Evha inenge isina kunyatsogadziriswa Mamiriro ose akasiyana-siyana Haufaniri kupedza zvose zvaunogona kusati watanga mazano.)
Ndezvipi izvi zvose zvinokuisa? Ngationgororei. Mune gore rinowanikwa, 401 (k) yako yaizoona $ 10 000 mumari itsva yakachengeterwa mairi ($ 9 600 mamwe makore, $ 10,400 vamwe). Mari yako yakagadziriswa-ye-mu-pocket rate ine $ 5 760 chete; kamudiki kadiki yemari yako. Iko $ 10 000 ichazoiswa muzvivigiro kana mari yaunosarudza, kuwedzererwa iwe kusvikira iwe uchisarudzwa kana iwe kusvika kune makore makumi manomwe nemakore mashanu uye hurumende inokumanikidza kutanga kutora pasi mari kuitira kuti usatora mukana wekutora mutero kwenguva yakareba, uchikudziridza vagari venhaka yako kupfuura izvo vanhu vanoona sevanofanirwa kubatsiridza.
Fungidzira iwe unosarudza zana rezana remari shoma-inodhura kuenzaniswa kwekodzero yemari yekushandisa. Isu tinotora nguva yakareba yehutano hwezvakaitika zvinodzoka zvakagadzirwa nehukuru, bluu-chip stocks (iyo inotungamirira mari yemari). Iwe unoita izvi kwemakore makumi mana, pakati pemakore makumi maviri nemakumi mashanu nemashanu, uye zvisati zvamboitika, munguva iyo yose, unofarira kunzwisiswa kunoreva. Iwe unokundikana kukwidziridzwa. Iwe unokanganwa nezvekugadzirisa zvipo zvako zvekutengesa .
Iwe waizoita sei? Kuregeredza chero humwe hupi hwawakawana muhupenyu-hutano hwako hwemusha, mabhengi ekuchengetedza, motokari, hupfumi hwemunhu pabhengi rekwereti , annuities, mabhizimisi wawakatanga; kusazvidza zvose-yako 401 (k) kuenzanisa pachaga kwaizova nepamusoro kwe $ 4 426 000. Iwe unenge uine humwe humwe makumi emakumi maviri kana zvakadaro muhutariro hwehupenyu kuti unakidzwe nemari. Zvichida, kana iwe wakavaka imwe pfuma munzira, unogona kuedza kusungirira 401 (k) cache kuburikidza uchishandisa Rollover IRA kwenguva yakareba sezvinobvira kuitira kuti vana vako, vazukuru, kana rudo rwaidiwa ruve nehupfumi kana katatu chiyero sezvazvairamba zvichikura. Zvadaro, vanogona kutambanudza mitero yekubhadhara pavakafa nekushandisa IRA Inhaka .
Zvose kubva kune $ 5,760 chete kunze kwekuchengetwa kwepahomwe gore negore. Icho chaiva pasi pe $ 111 kubva pane imwe neimwe yebhadharo yevhiki nevhiki. Usazvidza zuva rekutanga kuduku. Ndinoziva iwe zvichida uchinzwa sokuti uri mukukurumidza kuva yekoroji yepamusoro kudzidza uye zvose asi zvimwe zvinhu zvinotora nguva. Uyu ndeumwe wavo. Iva nemwoyo murefu.
Icho Chikonzero Vamwe Vashandi Vanokundikana Kuvaka Pfuma Iyi Nzira
Sezvo United States yakabva kune imwe purogiramu yakarongeka iyo vashandi vose vakapedzisira vava nemafungiro akafanana mubasa rekusiya basa sezvaanoita iye zvino anotarisa kune imwe-iyo-iwe pachako maitiro apo masvomhu ane zvipo, uye anoremekedzwa mupfungwa, anogona kusangana kutsvaga mari yakawanda nokuda kwekuti nzira inowedzera kufarira mabasa (zvakanaka zvisarudzo, zvisinei kuti zviduku sei, zvingaguma nemigumisiro yakakura yakasiyana-siyana mumakumi emakore akawanda), avo vasinganzwisisi nheyo dzehutano hwekutsvaga vanogona kuita zvikanganiso zvakawanda zveupenzi.
Chimwe chezvikanganiso izvi chiri kunetseka apo mutengo wemabhizimisi unoderera. Ndiri kuzova nemafungiro nemwi: Zvichaitika . Misika yemabhizimisi inongova nzira yekutengeserana iyo vanhu vanotenga uye vanotengesa muridzi mumabhizimisi . Vanhu havakwanisi nguva dzose. Dzimwe nguva, mamiriro ehupfumi anomanikidza kuti vatengese kana vasingadi kutengesa. (Tarisa pa2008-2009 apo mamwe makambani akadonha sezvo varidzi venhengo dzave vachiedza kudzivisa kubhadhara! Vakawanda vevanhu uye masangano vakaziva kuti vakanga vachipa huri hwavo asi havana chavakasarudza kana vaida kudzivisa fenicha repossessed.)
Mutengesi wemagariro Warren Buffett nemurume wake bhizinesi, Charlie Munger, vanowanzotaura pamusoro pekuti vakatarisa sei kukosha kwezvakaitwa zveBerkshire Hathaway share share, vachiita seisina chikonzero, peak-to-trough, ne50 muzana kana kupfuura kana katatu muupenyu hwavo; hafu yemvura yavo yakasvibiswa inofanira kubviswa munguva pfupi kunyangwe ipo mabhizimisi edzimba dzavaiva navo vakanga vachiri kuwedzera mari yakawanda kudarika kare. Ndanyora pamusoro pechiitiko ichi pa blog yangu chaiyo kakawanda.
Somuenzaniso, pane imwe vhiki yekupera kwema1980 apo muridzi weimwe yezvakanaka zvekutsvaga kwemari kwenguva yakareba munhau, PepsiCo, akaona 35 muzana yehupfumi hwake huchapera mune imwe nyaya yamaawa. Saizvozvowo, pakange pane makore mana kubva pakati pa2005 na2009 apo vadzidzisi veThe Hershey Company vakaona kushambadzira kwavo kuderera pamapepa nemapfumbamwe makumi mashanu kunyange zvazvo chokoti yekutengesa yakanga ichiwedzera, pachiyero, uye zvikamu zvakanga zvichikura. Kana iwe usingakwanisi kufungidzira nezvemahomwe kana kuti mari yekuenzanisa iyo inobata mashizha ayo-uye kunzwisisa kuti nokuti misika yakaderera, ichiti, 25 muzana, haireve kuti iwe warasikirwa ne 25 kubva muzana rako raunowana simba rekuwana, unomira pasina mukana wekunakidzwa nemhando iyi yemugumisiro. Iwe uchaita chimwe chinhu benzi.
My suggestion? Kanda mucheriri uye usarudze rimwe boka rekubatsira rinokodzera kukanganisa kwako mupfungwa . Hapana kunyadziswa pakuva akatendeseka newe pachako. Ndiri kukuudza izvi nokuti ndinoda iwe kuti ubudirire. Handidi kuti iwe urasire kurara kana kuti ropa rako riwedzere. Kana iwe uri rudzi rwomunhu anenge ari musimboti wepamutemo asina kukwaniswa kuti ave nehutano, saka usava nemari. Gamuchira chokwadi chausingafananidzi kudzoka kwakakwirira kwavanoita kwenguva yakareba kwenguva refu uye kugutsikana nazvo. Izvi zvinofanira kunge zvakanyatsojeka asi hazviiti sezviri kuitika kune vamwe vanhu. Ndeipi imwe nzira yako? Guzzle antacid uye kurasikirwa nevhudzi rako kubva kunetseka? Sei uchirarama nenzira iyo? Upenyu hwakapfupika kuti urege kuzviisa mukutambudzika kwakadaro.
Zvimwe Zvimwe Zvaunogona Kuita Kuvaka Upfumi Pashure peChikoro
Mamioneyoni anozvigadzirira (izvo zvinoreva zvinenge mamiriyoni ose muUnited States, sezvinofungidzirwa zvikuru, chizvarwa chokutanga chipfumi chavakagadzira pfuma yavo chinomirira makumi mapfumbamwe nemakumi matatu kubva pazana rimwe chete muzana yevanomwe chikwata) vane unhu hwakawanda huri pamwe chete. Kunyange zvazvo nzira yose yevanhu yakasiyana, inogona kubatsira kuziva kuti vamwe vanoita sei.
- Mhuri inowanikwa mamiriyoni muUnited States inonyanya kuve yakaroorwa, uye inogara yakaroorwa, kupfuura inowanikwa mumhuri. Haisi kuwedzereka kutaura kuti marin'i emuchato ndiyo itsva yemaitiro yemamiriro ekuremekedza. Kurambana kunotaperera zvakanyanya pakati pemamiriyoni akaenzana nehuwandu hwevanhu. Iwe unowana zvose izvi zvinoshamisa zvoupfumi hwemazana (imwe imba yokubhadhara, pasi payo imwechete inodhura apo unotenga zvinhu zvekutengesa, nezvimwewo) izvo zvinowedzera kusvika kumazinga akakwirira ekusununguka kwemari maererano nemadhora ose emari. Iwe unogonawo kubuda nenjodzi dzemari sezvo kune vanhu vaviri vanogona kupinda kune vashandi kana kutora mamwe mabasa. Kana iwe waive nemudzimai wemhando yakadaro yemudzidzo uyo akashandawo nebasa sezvinofungidzira pane zvatakakupa mumamiriro ezvinhu, mari yako yakabatana ingakuisa mumhuri yepamusoro 1/5 yemhuri uye iwe unogona kuva nyore- Mamioneya chero bedzi iwe waive, mumashoko ekutanga anotaurwa Charlie Munger, "nguva dzose haisi benzi". Nguva inoita kukwidza kunorema. Uye tinoyeuka isu takatadza kuti mubhadharo wehama yako kune vamwe vatungamiri muzvigaro zvakafanana ne20 muzana nekuda kwe conservatism!
- Bvisa tsika dzinokuvadza nemamiriro ezvinhu anodha mari yako uye anotyisidzira utano hwako. Mamiriyoni haashoma kudarika vanhu vakawanda kusvuta. Mamiriyoni haashoma kudarika huwandu hwevanhu hune huwandu hwehuwandu. Zvose izvi zvinokonzera kuti iwe ufe muduku (nguva shomanana yekuwedzera pfuma yako) uye inodhura mari yakawanda munzira ("zvokudya zvishomanana" zvakashata kwauri kana kupedza makirogiramu mazhinji zvinoguma zvinodhura zvakanyanya kune mari yezvechiremba kupfuura chero mari yaunofunga kuti iwe unofara panguva iyoyo) ndeyekudzivirirwa pazvinhu zvose. Izvi zvakananga zvakananga kumari yako yekutsvaga mari. Pane joko mumudhizimusi wekutengesa mari iyo chinhu chinokosha pakufumisa kurarama kwenguva yakareba. Haisi jekisi chaiye.
- Dzidza mutero wemitero. Inogona kubhadhara pachayo nenzira dzausina kumbofungidzira. Mufananidzo uchisiya vana vako nevazukuru mamiriyoni emadhora mumatokari uye kuva nezvose zvisingabatsiri mari inowanikwa zvakakanganwirwa paunofa. Izvo zvinogona kuitika kana iwe ukasungiridza nzvimbo yakatsika . Fungidzira kuwana izvo zvakaenzana nechikwereti chisingabatsiri kubva kuHurumende yeUnited States. Izvo zvinogona kuitika kana iwe uchiziva kuti ungafananidza sei mitero yemitero inowanikwa mumatauri ako . Sam Walton, muvambi weWal-Mart Stores, akazoguma achidzivisa makumi ezviuru zvemadhora emari yemitero achishandisa mhuri yekambani yaakagadza apo yainge yava kuparara . Akanzwisisa nzira iyo mitemo yainyorwa uye makumi emakore pasi pemutsetse, yakabhadharwa mune imwe yemari yakawanda inokonzerwa nemitero inowanikwa nemhuri chero ipi zvayo munhoroondo. Kana iwe uchitamba nemitemo, vashoma vanochinja pano uye ikoko zvinogona kureva huwandu hunoshamisa hwehupfumi huri mukati mako, uye mhuri yako, maoko. Zvakakodzera nguva yako.
- Ziva kuti hupenyu huripo mukana wekutengesa mari. Zvinhu zvinowedzera nyore kana iwe uchibvuma kuti iwe hauna kodzero yekuita uye kuti kuzvidzora hakuzombogadziri mamiriro ezvinhu. Somuenzaniso, kana iwe usingakwanisi kugara mune rimwe guta kana uchinge uchizadzisa zvinangwa zvako zvekuchengetedza panguva imwechete, shandura mufaro wako pachako uye uite chisarudzo chakanaka . Zvinogona kunge zvisina zvaunoda kunzwa. Izvo zvingasaita kuti iwe ufare. Zviri nani pane kushandiswa. Icho chikamu chevanhu vakuru; kugamuchira migumisiro uye kuronga hupenyu hwako kubva pane zvaunokoshesa zvikuru. Dzimwe nguva, iwe haugone kuva nekako rako nekudya, zvakare. Gadzirisana nazvo.
- Funga nezvenzira dzokukurira pie. Kana iwe wakakurira mumudzimai wepamusoro kana wepakati-kati, iwe ungangodaro wakapiwa mafungiro asina kukanganisa kuti nzira chete yekuita mari ndeyokutengesa nguva yako yemari. Zvinofadza, izvi hazvirevi kuti mapurisa 1 ezana emhuri anozvibata sei. Sezvakangoitika, iyo yepamusoro 1 muzana yemhuri inongogadzira hafu yemari yavo kubva kutengesa nguva yavo. Chikamu chechina chinouya kubva kumabhizimisi avanavo. Chimwe chikamu chinobva pakuzvipira kwevanhu, zvakadai sedzimba, mashizha, mari pamwe chete, nezvimwe zvivimbiso. Zvinokwanisika kuti chirwere chechiremba chepfungwa mumuguta rako chiri kuunganidza mari kubva pamiganhu yaJohnson & Johnson iye akaunganidza mumakore, uye kubva pane chivako chaakawana, akagadziriswa, uye akabhadhara makumi emakore akapfuura. Munharaunda yangu yega, rimwe remagweta akabudirira zvikuru anowanikwawo kune rimwe remaketani akawanda akabudirira kwazvo, achiita mari yakawanda yemhuri yake pamusoro pezvaanounza kumba kubva kune vatengi vemarikiti.
- Munhu mukuru-tsika anoita chimwe chinhu chinozivikanwa se "stealth pfuma", iyo inosanganisira kuchengetedza midziyo yavakaunganidza chakavanzika kubva kuvana vavo pachavo, zvichiita kuti vasakanganise kuti nhaka yefuma yakawanda kupfuura iyo. Zvinokanganisa, kukundikana kwekugadzirira vagari venhaka yekubata mari nekuchengetedza kunogona kutsanangura kuti nei mune inenge 9 kubva pamatambudziko gumi, mari yose ichave yakapera nezera rechitatu.
- Kana iwe usingazivi zvaunenge uchiita, nguva dzose uye nokusingaperi funga kubatana neinodhura-ine index index . Ndichadzokorora kusvikira mhou dzichidzoka kumba.
Zvinyorwa Zvokukubatsira Iwe Kutanga Kuzvipira Pakutora-Chikoro Chebasa
Kuti udzidze zvakawanda nezvedzimwe nyaya dzatakurukura, ungada kuverenga nyaya idzi:
- Nhanganyaya kuYako 401 (k) Urongwa
- Chikonzero nei Roth IRA iri Mutengo Wakakwana Mutero (uye Unofanirwa Kuzarura Rimwe Rhasi)
- Kushandisa Roth 401 (k) seA Self-Employed Tax Shelter
- 3 Nzira dzekutengesa mari yako yepamusoro
- Matanho Matanhatu Okubvisa Mupfumi
- Kurarama uye Kubudirira muNyika yeAmerican Retirement Reform
- Zvose Nezvakagoverwa
Iwe unogonawo kuongorora bhuti rangu rega, kwandakave ndakanyatsotsanangura zvangu zvakaitika kune makore uye ndinoedza kupindura mibvunzo yakawanda sezvandinokwanisa. Kana pane chidzidzo chimwe chete chamunoyeuka kubva kune zvinyorwa zvangu zvemari, ndeizvi: Ziva zita rako kune mari yakawanda yekuita mari sezvaunokwanisa; midziyo inokanda mari, zvichida pakuwedzera mari pamwe chete negore rimwe nerimwe; mari inouya apo iwe uchirara, iwe uchizorora neveimba yako, iwe uchiverenga bhuku kana kutamba mutambo wevhidhiyo. Izvozvo, muchidimbu, ndicho chinhu chinoita kuti uwane rusununguko rwezvemari .
Unogonawo kuverenga tsamba yandakanyorera mudzidzi wekoroji nezvekubudirira, kufara, uye kuzadziswa muupenyu.