Kuti $ 1,000-a-Mwedzi Rule Ichachengetedza Kurega Kwako

Mutemo Unokosha Kwevatorwa Kuti Uyeuke

Pane huwandu hwemari "mitemo yegunwe" iyo ndinonzwa zvakasimba pamusoro pazvo iyo inobatanidza kuwedzera kubhadhara mari yekubhadhara nemari yekuchengetedza mari. Kunyange ini ndichida kutenda mitemo iyi yose inobatsira zvishoma uye inonzwisiswa, imwe yezvandinoda nguva dzose ndeye $ 1000-Bucks-a-Month Rule.

Tisati tanyatsoongorora zvinhu zve $ 1000-Bucks-a-Month Rule, zvakakosha kunzwisisa kuti mutemo uyu mutemo wegumbo.

Mutemo haubatanidzi zvakananga mugore rose rakapiwa, uye hahushandi zvakafanana panguva dzose. Usati waisa mutemo kushanda, iva nechokwadi chokuti unonzwisisa zvinhu zviviri izvi zvinokosha:

1. Kubva pa $ 1 000-Bucks-a-Mwedzi Rule, mumwe munhu ari "wechiremba" wekusununguka kwemakore retirees (62-65), anogona kuronga pa 5 kubva muzana kubvisa kushandiswa kubva muzvikwereti zvavo. Kunyange zvakadaro, vaduku vanobva mumakore avo makumi mashanu vanofanirwa kuronga kubvisa nhamba yakaderera kupfuura 5 muzana pagore, kazhinji 4 muzana kana pasi. Chikonzero cheizvi ndechokuti kana iwe ukasimuka mu50s, pane nguva yakareba kwenguva yakatarisa kutanga kutora 5% - inongokurumidza.
2. Mumakore ayo mutengo uye chikwata chezvibereko chiri munharaunda yezvakaitika kare, huwandu hwe5% hwekuregera hunoita zvakanaka (zvakare, kana iwe uri wechirwere chekugara basa kana munhu akwegura zvakare). Asi iwe unofanirwa kuve uchida kugadzirisa kubviswa kwako kwegore mune chero gore rakapiwa kana misika inobata iwe. Iwe unogona kutora zvishoma mumakore iwayo uye uchinetseka zvakakwana kuti uenzane nezvinoitika mumamiriro edu ehupfumi. Izvi zvinogona kureva kuti iwe unogona kutora zvishoma zvishoma mumakore akanaka, asi zvakakosha kunzwisisa kuti unogona kutora zvishoma mumakore asina kunaka.

Kutsanangura $ 1,000-Bucks-a-Month Rule

Zvichingoti, $ 1 000 Bucks-a-Month Rule inoshanda seyiyi: Pamusoro pemari ye $ 1 000 pamwedzi iwe unoda kuva nayo paunenge uchirasikirwa, iwe unoda kuva $ 240,000 yakachengetedzwa.

Kunyatsoongorora, ngationei kuti $ 240 000 mubhangi iyi inokwana $ 1 000 pamwedzi:

$ 240,000 x 5 muzana (withdrawal rate) = $ 12,000

$ 12,000 akaparadzaniswa nemwedzi 12 = $ 1 000 pamwedzi

Nei Izvi Zvichifanira Kutonga Zvinokosha?

Iko mari ye $ 1 000 yeBucks-a-Mwedzi inokosha nokuti inowedzera chikamu chinowedzera che "mari yekupora" pamwedzi wega wega. Mari imwe neimwe yezviuru zvichange:

• Wedzerai hutano hwekuchengetedzwa kwevanhu
• Wedzerai mari yepensheni
• Wedzerai basa rekushanda kwenguva
• Dzorera chero dzimwe mitsara iwe unogona kutarisira kuisa

Zvichienderana nehukuru hwehutano hwako hwemagariro evanhu, pensions, kana kuti rimwe-time work streams, nhamba ye $ 240,000 yakawanda ichasiyana. Murairo pachawo pachawo hauzosiyana; iyo $ 1 000 Bucks-a-Mwedzi kutonga mutemo unogara uripo. Kune $ 1 000 iwe wose unoda mwedzi woga woga muhutano, zvinokosha iwe kuchengetedza zvinenge $ 240,000.

Munyika yevanhu vanoita zvechirwere chekuderera uye mari yakawanda yemusika wekutengesa, 5% yekuregererwa kwepamusoro inonyanya kukosha, kunyanya kana pane nguva dzenguva - uye dzimwe nguva kunyange makumi emakore - apo mushamba wekutengesa pachayo hauoni zvakawanda zvekuwana. Asi iyo 5 kubva muzana inotora huwandu inofungidzirwa pazvinhu zviviri zvinokosha:

1. Kuwana mari yekuita mari inzira yekugadzirisa mari inogara yakasununguka kubva mumari yako yemari. Inobva munzvimbo nhatu: zvikwereti, kufarira, nekugoverwa. Kana nhamba yako yekuyerera yekodzero yava pedyo ne4 muzana, saka isu tatova pedyo ne5% yenhamba yatinotarisira.

1. 5 muzana mutengo ne zero kufarira. Fungidzira iwe une gorosi rako rekugara muhomwe uine mari uye uchipa zvishoma kudzvara. Ichokwadi, ngatitii kuti zvibereko ndezvekuti 0 muzana pagore. Kunyange kana iwe ukatora 5 muzana pane 0 muzana yemari yekutambira, mari yacho icharamba ichitora makore makumi maviri. Nhamba ye5 muzana yekuregererwa kwegore x 20 makore = 100 muzana. Mari yako yose yaenda, asi zvakatora makore makumi maviri, uye izvi hazvisi zvekare. Asi zvinogona kunge zviri nani zvikuru. Zvakadini kana uine makore makumi matatu kana makumi mana ekurega basa? Ko kana iwe uchifunga nezvekusiya chimwe chinhu kuvana vako?

Chinhu # 1: (Kushandisa mari inowanikwa mari kuti uwane zvimwe zvekudzoka gore negore pane ganda rako remapurisa) rinokosha kune 1 000 Bucks-a-Month Rule. Inobvumira mari yako mukana wakanaka wokugara kwenguva yeupenyu hwekurega basa panzvimbo yekubuda mumakore makumi maviri.

Sezvazviri maererano neChina # 2, kana iwe uine chikwereti chezvikwereti kubva kune 3 kusvika ku4 muzana (zvikamu uye chikwereti chete) uye zviitiko zveporofiti kunyange zvishoma zvishoma kukura / kuonga, zvino 3 kusvika ku4 muzana inobereka pamwe 1, 2, kana 3 muzana mukukura pamusoro penguva inoratidza kuti iwe unogona kutora mazana mashanu pane imwe nguva yakareba kwenguva.

Kurukura mutemo we4%; ruregerero ruregerero rwekugadzirisa zvemari kutonga kwechigunwe pamwe chete. Mutemo uyu wakatanga kubudiswa naWilliam Bengen, mutori wezvemari uyo akazivisa kuti vakasiya mari vanogona kukwevera 4 kubva muzana kubva pamabasa avo gore negore (kunze kwekugadziridza zvekutsvaga kwezvinhu) uye kwete kukwira kwemari kwemakore makumi matatu. Vatsoropodzi uye vadzidzisi vakatsigira dhenda raBenen uye vakatsigira kutaura kwake. Akataura kuti vashandi vezvematongerwo enyika avo vaisanganiswa nemakumi matanhatu ematokari uye 40 muzana dzisungo, uye vakararama ne4 muzana kana zvakadaro gore roga roga, havazombofaniri kunetseka nezvekubuda kwemari. Ndiri mutendi mukuru kuti iyi ndiyo nzira iyo vanhu vanofanira kuronga, sezvo inobatsira pane chikamu chekuwana mari yekuwana mari.

Iko $ 1,000 yeBucks-a-Month Rule inotungamirirwa yekushandisa sezvauri kuunganidza zvinhu (zvinyorwa zvemadhora 240 000), uye mutungamiri wokukutakura iwe mumakore ako ekurega. Kudzokororazve: Kwemari imwe neimwe ye $ 1 000 pamwedzi iwe unofanira kuva nawo paunenge uchirasikirwa, unofanirwa kuva ne $ 240,000 yakachengetedzwa. Izvi zvishoma nyore kutevera huchenjeri hunogona kukubatsira kuti uyeuke kuti uri kuchengetedza mari kuitira kuti rimwe zuva rigone kuchinja nzvimbo yaunowana mari yaunorasikirwa nayo paunomira kushanda.

Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga , kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo