Izvi zvinotungamirira kumubvunzo wakajeka: unotsanangura sei mari yegore negore? Mubhadharo wako pazera remakore makumi maviri nemasere rakasiyana nekubhadhara kwako pazera remakore makumi matatu nemashanu. Mhirizhonga yeDenote inobva pachiyero chauri kubhadharwa pane imwe nguva yakasiyana. Mune mamwe mazwi, kana uri nemakore makumi matatu nemakumi maviri nemashanu unowana $ 40,000 pagore, unofanira kuva ne $ 40,000 akachengetwa. Kana uine makore 45 iwe unowana $ 50,000 pagore, iwe unofanirwa kuva nematatu acho, kana $ 150,000, akachengetwa.
Iwe Hauzive Mari Mari Yauchaita
Zvechokwadi, iwe hauzive kuti uchawana mari yakawanda sei makore gumi kana maviri munguva yemberi. Zvisinei, nokuda kwezvinangwa zvekugadzirira, unogona kuronga kuti hausi iwe uri munzira yakarurama. Pane nzira mbiri dzokubata nadzo izvi: kana kutora mari yako yezvino uye uwedzere 4 muzana yegore rimwe nerimwe - iyo inowedzera mutengo pamwe ne1 muzana - kana sarudza nhamba yaungada kuwana kana iwe uchichinja imwe nguva. Somuenzaniso, kana chinangwa chemunhu chiri kuwana $ 90,000 pagore nenguva iyo vane makore makumi matatu nemashanu, ivo vachafanira kutanga kuponesa pachiyero chakaenzana nechinoratidzwa.
Izvozvo Zvinoratidzika Sezva Massive Savings Rate
Nhamba idzi dzinogona kuita kuti unzwe sokuti uri kubvunzwa kuchengetedza zvikwereti zvinowedzera. Mumuenzaniso wakataurwa pamusoro apa, munhu aifanira kuchengetedza $ 40,000 mumakore gumi ekutanga ehupenyu hwake (ane makore 25-35), achiteverwa ne $ 90,000 panguva yechipiri yekushanda makore gumi ehupenyu hwake (makore 35-45).
Mune mamwe mazwi, aifanira kuwedzera kaviri kubhadhara mari yake panguva yechipiri yekushanda kwemakore gumi (makore 35-45), nguva yaanenge achirera vana, achibhadhara chikwereti , uye zvichida kutarisira vabereki vake. Izvi zvinogoneka sei? Achishandisa simba rekutsvaga mari . Munguva yekutanga yekushanda makore gumi ehupenyu hwako, zvipo zvako zvinowanzobva pamari yako yaunowana. Mushure maizvozvi, iwe uchatanga kuwana zvakakosha zvikamu, chido uye mari inowanikwa.
Idzi dzichaita basa guru pakuita kuti kukurumidza kuwedzerwa kwehuwandu hwekodha rako rekubvisa mari mukati memakore mashomanana apfuura ekushanda kwako. Mune mamwe mazwi, mari yako ichaita mari. Iwe haufaniri kunge uchida kuchengetedza mari yose kubva pamari yako; mari yaunoshandisa ichakura iwe pachako sezvaunoramba uchipa mitsva.
Ramba Uchifunga Pakupedzisira
Kana nhamba dzenguva pfupi dzichiita sedzinopisa, edza kuisa pfungwa pachinangwa chekupedzisira. Mushure mezvose, pfungwa yechirongwa chacho ndeyekujekesa kuti iwe unogona sei kuchengetedza mari yakakwana kuti ushandise 85% yemari yako yekupedzisira kana iwe uchirega basa. Kana iwe usingadi tsika yekuedza kurova zvimwe zvinangwa zvekuchengetedza nezera remakore 35, 45, kana 55, apa pane imwe nzira: sarudza mari yakawanda yaungada kuigamuchira gore negore panguva yekurega kwako.
Shingairira kubva kubva kuhamba iyoyo kuti uone kuti unoda kuchengetedza zvakadini mwedzi woga woga, kutanga ikozvino. Iwe unoda $ 1 mamiriyoni kuti urarame pane mubhadharo we $ 40,000 pagore muhupfumi, maererano ne4% mutongi . Iwe unogona kushandisa tafura iyi kuti uone kuti unodii kuisa pamwedzi wega wega kuitira kuti uwane $ 1 mamiriyoni epodfolio.
Somuenzaniso, kana iwe uri nemakore makumi maviri nemaviri, hauna chinhu chakachengeterwa kubhadhara, uye iwe unoda kubhadhara pa65 ne $ 1 mamiriyoni mukuchengetedza, iwe unofanira kutanga kutora $ 750 pamwedzi, uchifunga kuti chikoro chako chinowanikwa pamusika kwenguva yakareba gore rakasarudzwa ye7%.