Dzidza nezvekutsvaga mari nekutanga uye kubvisa mamiriyoni

Negore rose rinopfuura, mamiriyoni ekupedza chikoro chepachikoro vadzidzi pasi pose vanoenda kukireji kana yunivhesiti kuitira kuti vaite hupenyu hwakanaka ivo pachavo uye mhuri dzavanenge vaine tariro kune rimwe zuva. Vanopedza maawa asingaverengeki vakavigwa mumabhuku, vachidzidza kuongororwa, vachidzidza unyanzvi hunokosha, uyezve, mushure mokunge vapedza kudzidza, vachishanda mabasa ezvenguva yakareba uye nguva yakawanda mukuedza kuisa zvokudya patafura.

Kudzidza Nzira Iri nani

Ko kana ndikakuudza kuti pane nzira iri nani? Mumwe wevadzidzi vangu vokutanga vekuverenga mabhuku akaratidza kuti mudzidzi wechidiki wekoroji aigona kuunganidza mari yakawanda pane imwe nguva yezhizha, achivimbisa kuti pasinei nezvimwe zvakaitika kune imwe nguva muupenyu hwake, iye achange akwanisa kubvisa mari yakakwana kuti ararame zvakanaka . Iyi pfungwa iri nyore chaizvo kana iwe unonzwisisa kukosha kwemari yemangwana; kuti mari imwe chete inogona kukura kana yakasara yoga.

Fungidzira kuti zhizha usati wasimuka kuenda kuchikoro, wakashanda mabasa mashoma uye wakakwanisa kuchengeta $ 10,000. Iwe, nekutarisa kunoshamisa uye kukura, ziva kuti zvichava zvakaoma zvikuru kuzviisa iwe pachako paunotarisana nemari yekubhadhara chikwereti, chikwereti, motokari yemotokari, mabhiriji emagetsi, uye zvimwe zvinodhura zvinouya nekuva mubereki (mapepa, zvokudya, zvipfeko, midziyo) - iwe unowana pfungwa.

Pfuma Pfuma

Iwe uri fan guru revashambadzi vakaita saWarren Buffett , uyo anopfuura makore makumi masere, akaunganidza mari inopfuura $ 66 mabhiriyoni.

Sezvo uchiziva kuti iwe haudi kupi zvako pedyo nekudaro, iwe unoda kuumba gwaro rekuchengetedza mari yekusagadzikana iyo yakanyarara, asi iine simba, inoshanda kwauri pasina munhu muhupenyu hwako unoziva nezvazvo. Ndiko kupfuma kwako. Kuti uenzanisire pfungwa iyi, hezvino ndizvo zvinowanzoitwa mudzidzi wekoroji:

1. Tora madhora gumi nemakumi matatu emadhora uye muparadzanise mumatanda mana.

1. Sarudza makambani mana akaisvonaka, mabhii-chip anokwanisa kuwana mari yakakwirira yekudzoka kwenguva yakareba yakadai saHershey, Coca-Cola, Colgate-Palmolive, Nestle, mafuta makuru eExxMobil kana BP, Johnson & Johnson, kana imwe sangano iri nechokuita isiri kusarudzwa kunokwikwidzana, kugovera mitambo, uye zvinyorwa zvakasimba zvemari.
2. Vhura purogiramu yakakwana yekutenga zvigadzirwa / regoveriti reinvestment plan account pamwe nemumwe wezvikambani kutenga zvikamu zvemahofisi akadzikisa, zvakadai se $ 1 kana $ 2 pamabhizimisi (mamwe maCDIP, akadai seaya anopiwa neExxMobil, haatongotori chinhu zvachose nokuda kwekutenga nguva dzose ).
3. Sarudza chisarudzo chekuti zvikamu zvose zvigoverwe zvakare .
4. Tora zvituti uye mapepa mune imwe nzvimbo yakachengeteka bhokisi rekumusha.
5. Ivaregere kwemakore makumi mana anotevera kunze kwekuverenga mushumo wegore negore nekuona kuti kutarisa kuburikidza nekuwana uye zvikamu zviri kuwedzera munguva.
6. Pave nemakore makumi manomwe nemakore makumi manomwe, dzokera kunzvimbo yakachengeteka bhokisi kana kuvhara zvinyorwa zvekambani zveCDIP yako (kana wakasarudza kuverenga zvekunyora kwekuchengetedzwa kwekuwedzera). Kana nhoroondo ichinyatsoitika uye iwe wakakwanisa kuwana mari yezvakaitika zvekudzoka pamari, unofanirwa kuva ne $ 6,388,918 muhutano hwakavakwa semugumisiro wenguva refu yekuwedzera. Sezvakanaka, iwe unofanirwa kunge uine zvikwereti zvakakura zvemitero zvinoshanda zvakajeka kuti zvienzanise kudzoka kwako uye zvinogona kukanganwirwa kana iwe ukashandisa zvakasimudzwa zvishoma .

Iyi inowedzera hupfumi inofunga kuti hauna kumbowedzera imwe penny kudarika yekutanga $ 10,000 uye yakawanazve zvipo. Inofunga kuti iwe haubhadhari zvizere Roth IRA . Iko inofunga kuti iwe haubatsiri pane 401 (k) . Inofunga kuti iwe haugoni kuenzana nekuva nemba. Chaizvoizvo, iwe haugone kubatsira asi kubvisa mamiriyoni, zvimwe zvose zvakaenzana, nokuti iwe wakasika hutano hwehupfumi hwemuouki, uchidyara chikamu chiduku uye uchichisiya pamwe chete kwehafu yezana remakore.

Kana uchida kurarama zvakanaka munguva yako yehupenyu, uchafanira kuita zvawakaronga pakutanga - shanda nesimba, kuwana dzidzo yepamusoro, kushandisa mari nekuchenjera, uye kutarisira mari yako. Asi hazvinyaradzi kuziva kuti hazvinei pasinei nezvimwe zvinoitika, kune chikwereti chakavanzika chinokurudzira iwe kumashure chinogona kukupa zvaunoda uye zvido zvako?