Hazvina Kumbotanga Zvichimbotanga, kana Kuti Zvichizopera, Kuratidzira Vana Muzvikwereti zveMari
Saka Nhasi Ichishanu yakatanga sei kwauri? Kune rumwe rutivi, hakuna chinhu chakafanana neKurera kweDoorbuster: iyo yekupedzisira-guru-screen kutenga kana mupiro wemujenya unoedza vanhu kuti vafambise nemazana, dzimwe nguva usiku humwe, kuti vapiwe kupambwa.
Asi kana vana vako vakanga vachicherechedza, zvichida waingovapa kechipiri chidzidzo mune zvemari upenzi. Kwete kuva Grinch, asi kunze kwekuti iwe wakamirira mumutsara kuitira kuti ufare, mikana yekubuda pamusoro inoshamisa.
Kana iwe ukashinga mamiriyoni mana-awa ye $ 100 rekutsvaga, iwe wakangoita $ 20 zviri nani kana uchienzanisa nekuita $ 20 neawa pazuva rako gig (kwete kuverenga pizza yawakarayira mumutsara).
Zvakanaka, saka iwe uchiri kutora mamwe maitiro ane 20-foot-tall motokari yaSanta uye bhadha yakawanda HD TV. Asi iwe wakaisa zvinhu izvi pamakadhi ako ekwereti here? Uye kana zvakadaro, izvi zvinodzidzisei vana nezvekurarama mune zvavanokwanisa?
Pfungwa, vatengesi vezororo, ndeizvi: Apo zvipo zvose zvakanaka uye zvakashata zvemazororo, zvichida inguva yekufunga kunze kwechipo bhokisi. Icho ndechekuti: Ko kana iwe ukatanga vana vako pasi panzira yekuisa mari?
Tanga Zvino
Hazvambombotanga kusvika kare kuti utange kudzidzisa vana vako nezvemari, anodaro Melanie Mortimer, Mutungamiri weChechi yeZvimbiso uye Financial Markets Association (SIFMA) Foundation. "Nokutanga semangwanani ane makore matatu-makore, vana vako vanogona kukura kuti vave chikamu chezvizvarwa zvakagadzirirwa uye zvemari."
Zvechokwadi? Makore matatu apfuura? Paunofunga nezvayo, kutanga kwekutsvaga kwekutanga kunotanga neyoyo mhou yemakore, iyo ndiyo inguruve. "Kupa vana ibhanga rekugadzirira kunobatsira kudzidzisa vana tsika dzinokosha dzekuchengetedza nekuisa mari," Mortimer anoti. "Udza vana vako kuti vanogona kutenga chimwe chinhu chakakosha kana ganda rekugadzirira rizere."
Mimwe mabhanki emaguru kunyange aripo anopfuura iyo chinangwa chinofadza. Susan Beacham, muvambi weMari Savvy Generation, anodzidzisa vana mumari yekuverenga nekunyora nemari kuburikidza nechigadzirwa chakanyanyisa: chiganda chepurasitiki chinokwana vana "mimba," kana uchida. Iko "Money Savvy Pig" ine zvivako zvezvinhu zvinokosha Beacham inopikisa kuti vanoda kudzidza: kupedza, kuponesa, kupa uye kuisa mari.
"Vana vedu vanoshamisa chaizvo kana tichivabvunza kuti vave," anodaro Beacham, uyo anofanira kuziva: Mutezo pachake. "Hatisi kurera vana, tiri kurera vanhu vakuru . Kana tikangoshandura paradigm iyo mukufunga kwedu, zvinhu zvose nevana vedu zvinochinja. Basa rekudzidzisa vana nezvemari rinotanga patinenge tava nazvo. "Zvinotokwanisika, kuti mwana anotanga kuve muduku zvikuru angawana nzira yavo yekuwana mari yekutsvaga kweAmerica yakanaka.
"Kana iwe uchiziva kuzvibata semamionaire panguva yaunenge uine makore 21, iwe unogona kunge usina mamiriyoni akadimbu ari muruoko," Beacham anoti, "Asi iwe uchava munzira yako. iwe uchave wakagadzirisa maitiro akanaka. "
Vakuru vangabatsira sei vana vavo kudzidza tambo dzekutsvaga mari, uye kuvatanga munzira munzira dzakanakisisa dzemari? Pano pane gumi nemaviri maitiro uye mazano kubva kune nyanzvi dzemari, vazhinji vavo, saBehamham, vakadzidza kubva pakuberekera kwavo, saka vanoita zvavanoparidza.
Kugadzirisa danho: Kubva pakuponesa nekuisa mari. Kunyangwe kuchengetedza inzira iri nyore yokurondedzera-kunyange mwana anogona kuzviita, zvakakodzera? -kukohwa ndiyo danho rinotevera mukuita mari kushanda. "Taurira vana musiyano pakati pekuponesa nekutsvaga mari," vanoti Bonnie T. Meszaros naCarlos J. Asarta veYunivesiti yeDelaware's Center for Economic Education uye Entrepreneurship. "Enda pamusoro pezvipingamupinyi nemubairo wega woga uye sanganisira hurukuro pamusoro pekusaisa mazai ako mune imwe tswanda." Sekusvetuka, Meszaros uye Asarta vanokurudzira webasaiti re Consumer Financial Protection Bureau, Money As You Grow.
Ramba uchiri nyore, taura mutauro wavo. Kukura kumaodzanyemba kwePittsburgh, Andrew Murdoch akatanga kuponesa mapepa ayo mapepa eKrisimasi kubva pamakore gumi nemakore kusvikira asvika mazana emadhora madhora. Yakamutanga pasi mumugwagwa unoenda kune rudo rwekuisa mari, asi anonyevera avo vaizoita zvakafanana nevana vavo kutanga nemitemo, pasinei nezera ravo.
"Usatanga kutanga kutsanangura zvinyorwa zvakaoma, zvakadai semusiyano uri pakati pe ETF uye mutual fund, kana kuti kupfupika seiko," anodaro Murdoch, purezidhendi weSomerset Wealth Strategies muPortland, Ore. "Tsanangura kuti kuisa mari inongova nzira yekushandisa mari yako kuumba mari yakawanda. Kutenga chikwata chiri kungotenga chiduku chiduku chekambani uye ichaona kushanda kwekambani kwenguva. "
Dzidzisa nemifananidzo. Vana (pamwe chete nevanhu vakuru) vakaoma-wired nenyaya: Ndizvo zvinotitadzisa kudzokera kumafirimu, uye zvinokurudzira vechidiki kukumbira vabereki kuti vadzivere kwavari panguva yokurara. "Vabatanidze mumabasa enyu ekusimbisa uye murondedze pfungwa dzekutsvaga mari," Mortimer anoti. "Taura navo pamusoro pezvirongwa zvako zvekuponesa nekuisa mari-uye tsanangudzo kwavari kuti nei uchichengetedza uye kuti zvichakubatsira sei kwenguva refu." Izvi zvinoreva kureva zviitiko kubva kare, kana kuratidza munguva chaiyo iwe uri kuisa kushanda tsika dzawakadzidza. "Somuenzaniso, kana uri kutora shangu dzako kugadziriswa panzvimbo yekutenga mapepa matsva, tsanangura kuti nekukanganisa kugutsikana kwako nokukurumidza kwekuva nehuviri mutsva, iwe uri kuchengetedza mari yaunogona kushandisa kune chimwe chinhu chikuru gare gare."
Ziva ruzivo rwomwana wako kudzidza. Mumwe mudzidzi anoona achakurumidza kutyisa nehurukuro pamusoro pekutsvaga mari, "anodaro Jared Snider, mupfumi wepfuma mutungamiri paEexencial Wealth Advisors muWorld City. "Cherechedza kuti mwana wako anodzidza sei uye akumbira vadzidzisi vavo kuti vaone kuti mwana wenyu akadzidza sei. Fitisa hurukuro dzako dzekutsvaga mumutauro uyu. Shandisa nzvimbo dzakawanda kuti utaure semifananidzo, mavhidhiyo, mafoni smartphone, nyaya. "
"Mutambo" mumusika. Iwe unogona kutanga vana vaduku kubva kunze nekuvapa mari yekunyadzisa mari uye kutevera zvawanikwa. "Ita zvinonakidza nokuita mutsara pakutanga," anodaro Rebecca Pavese, mutungamiri wezvemari uye maneja wemapatoti nehofisi yePalisades Hudson Financial Group yeAtlanta. Pavese, uyo ari amaiwo, anokurudzira kushandisa online kushamwaridzana zvishandiso uye / kana kugadzira uye kutarisa zvikwereti pamwe chete. "Kutamba nemafungiro aya kutanga kuchakubvumira kushandisa nguva nemwana wako uye kutaurirana kukurukurirana pamusoro pe" mitemo "yekutsvaga mari," anodaro. Kana uri kutsvaga shanduro yeIndaneti, SIFMA Foundation inopa Iko Stock Market iyo vadzidzisi vanogona kushandisa nevadzidzi mumakoro 4-12, uye inoshanda pamwe chete nemushandi webunhare.
"Mutambo wemakombiyuta" mumusika. Imwe nzira yekufambisa nzira inofadza ndeyechokwadi-upenyu "gamification" yemusika. Nzvimbo yepaIndaneti Kapitall inoshandisa dhi-uye-drop features uye zviratidzo zvekuona, uye chero kufanana pakati pekushandiswa kweKapitall uye kugadzirisa kwekushanyisa kwekushandura hakusi njodzi inofadza kana kugadzikana kusinganzwisisiki pane zvitsva. Nzvimbo iyi ndiyo brainchild yemavhidhiyo yemuchina webhizimisi Gaspard de Dreuzy (uyo ane makore makumi maviri nemakore anowanikwa mumunda) uye nyanzvi yezvemagetsi Serge Kreiker, aimbova injini yebazi paBloomberg LP. Inosanganisirawo maitiro ekutengesa, zvakare.
Tenga 10 pack: Robert Johnson, purezidhendi uye Mutungamiri Mukuru weAmerican College of Financial Services munzvimbo yePhiladelphia, inoti vabereki vanopa vana nzvimbo yehupfumi yematokari gumi. "Sarudza chikamu chimwe nechimwe uye uve nevamwe vanovapa muganhu, vamwe kwete." Zviri nani asi, "itai kuti makambani vana vanzwisise: Walt Disney Co. (ticker: DIS), Coca-Cola co. (KO), Nike Inc. (NKE). Izvo zvichavapa kuonga kwekuwedzera, kubereka uye kuti mamwe makambani anoshamisa haasi kureva masimba makuru. "Chokwadi, kurasikirwa kunogona kukuvadza-asi mari yako, Santa chaiyo?
Tora chido chavo mune chikwata chechidimbu. Nguva iyo inotora kuti iwedzere kubhadhara, uye inounza kudzoka kwakakura, inopa chidzidzo chenyika chaiyo kuti mari inokura sei. "Kuratidzira simba rekuita mari nekufamba kwenguva," anodaro Dave Geibel, mukuru mukuru wecurezidhendi uye pfuma mutariri paGirard Partners muMambo wePrussia, Pa. "Kutanga kuisa mari achiri muduku kunobvumira mwana kupupurira nekukura kumusoro uye pasi pemusika. Kuvimbika kunowanzoitika uye kuzviziva izvi, nekuisa mari kuburikidza naro, zvicharamba zvichitarisa mafungiro ekutsvaga paunenge uchinge uchinge uchinge wakwegura.
Kuti uite izvi zvigadziriswe, dzidzisa vana kuti chidimbu chinowanzoshanda chinoshanda ne "Rule ye 72." Maererano nemurairo uyu, mari inowanikwa kaviri paanenge iyo 72 yakakamurwa nehuwandu hwekuwana. Saka, kana iwe uri kuita zvitatu zvepabonde pamari yako gore negore, inowedzera kaviri mumakore makumi maviri nemaviri; ndiko kuti, 72 yakakamurwa nevatatu.
Usakanganwa kupa. Vashandi vemagariro vanonzi Warren Buffett vanotenda zvakanyanya mukupa-uye kwete sechinhu chinotevera. "Takatanga nevana vedu kana vachinge vakwegura zvakakwana kuti vaise chinopiwa muhomwe yekereke yedu," anodaro Daryl Dagit, mutariri wezvemari uye mutengesi wemari mu Savant Capital Management uye iri muPeoria, Ill. "Uye pavakatanga kutambira mari zvipo zvemazuva ekuberekwa uye kuita mamwe mabasa epamba pamba, vakadzidziswa kuisa rimwe mubhangi, kupa zvimwe kuSvondo chikoro uye kuti zvakanga zvakakodzera kupedza zvimwe. "
Pfuura pazvipo zvevabereki vako. Marguerita Cheng, CEO weBlue Ocean Global Wealth, ane ruzivo rwakawanda kutora vanasikana vake mari yekutengesa. Asi iye achapfuurawo nezvipo zvemari izvo baba vake vakamupa. "Vabereki vanogona kuita kuti vana vashandise mari mumatanda kuburikidza nechirongwa chekudzikinura," Cheng anoti. "Ndinonyatsoyeuka baba vangu vachitaurirana mutengo weBM stock uye kuti akaitenga sei kuburikidza nemari yekubhadhara. Zvechokwadi, izvi ndizvo chaizvo zvandakadzidza kuverenga Value Line [kuongorora kwekutsvaga kwekutsvaga]-uye kuti Baba vakandibatsira sei kubhadhara koroji. "