Nyanzvi dzezvematongerwo enyika Chengeta Mari Yakawanda Ipi Inotora Kuti Kuwedzere Mufaro
Uri kutarisira kuvaka imba yako yekutota zvachose chikwereti-pasina? Iwe unofarira kufamba nyika munyika yega jet here? Mhinduro yemibvunzo iyi yemibvunzo ichasarudza nzira yaungada kutora kana iri kuuya pakuvaka, kubhadhara mari, nekudzivirira iwe wekushambadzirwa kwepodfolio .
Imwe mafungiro aungangowanzosangana nawo ndeyekuti kufara kwakafanana nekuve akapfuma. Imwe dambudziko nemafungiro iwayo ndeyekuti kunyange nhengo dzemhuri yako pachako dzinogona kunge dzakatarisa zvakasiyana pane izvo "mupfumi". Vanyori vezvematongerwo enyika vakadai saDennis Gilbert vanotsanangura "vapfumi" sevaya vanorarama pane zvekutsvaga uye kwete mari inobata mabasa. Nechirevo ichi, chiremba, kunyange munhu anowana $ 1 mamiriyoni pagore, haasi mupfumi semunhu akawana $ 1 mamiriyoni kubva mumatokisi , zvisungo , zvivako , zvizvarwa zvekodzero, kana zvimwe zvinotora mari . Chikonzero chacho chine chokuita nenguva. Mutyairi anogona kugara kumba nekuita mari, asi chiremba anorega kugamuchira mubhadharo kana asingakwanisi kuenda kubasa.
Anongobhadhara chete kana achienderera mberi kutengesa basa rake. Vamwe vanogona kutsanangura kuva vapfumi nemaitiro akasiyana zvakasiyana uye zviyero.
Inoshanduka, Vazhinji Varayenzi Haafaniri Kuve Vakapfuma Kuti Vafara
Ichokwadi ndechokuti, vanhu vakawanda havana chido chokuva vapfumi kana zvichinyatsoperera. Izvi zvakatsigirwa mune hurukuro yakakurudzirwa nevezera ravo naDhaniel Kahneman naAngus Deaton vanobva kuCentral Health and Well-Being kuPrinceton University iyo yakaratidza kuti mari inotenga mufaro kune $ 75,000 pagore.
Mune mamwe mazwi, kana ukangodaro $ 75,000 pagore, ruzivo rwako zuva rimwe nerimwe harusi kubudirira zvikuru sezvinowedzera mari yako. "Kugutsikana kwehupenyu hwako" kuno-ndiko kuti, manzwiro aunoita pamusoro pezvawakaita. Iko iwe unofarira basa rako chii icing pakike. Zvinoratidzika zvisinganzwisisiki kuti varairi vatsva vakawanda vanofanira kufunga nezvekuwana mari yakawanda gore rega rega, kana vasati vambove.
Izvozvo zvinoreva kuti purogiramu yekubudirira yekusimudza ndiyo yakagadzirirwa kukubatsira:
- Rarama chikwereti-pasina. Kana usina chikwereti, zvakanyanya kuoma kupfugama.
- Dzivisa kuomeswa kwemari kuburikidza nekuvaka, kuchengetedza, nekuchengetedza zvakasiyana-siyana zvekutsvaga kwekutsvaga izvo zvinokupa mararamiro aunoda.
- Chengetedza yunishuwarenzi yakakwana kuitira kuti iwe usafanirwa kunetseka nekurasikirwa nechinhu kana chimwe chinhu chichienda.
- Iva nemhando dzakasiyana-siyana dzekuwana kuitira kuti urege kuvimba nebasa rimwe chete kana kuti mari yekuwana mari iyo inogona kuisa mhuri yako pangozi kana yakanyangarika usiku humwe.
Kuenzanisira Kubuda Kwakachengeteka Kukura Kwemafaro Kuti Ufare Nemari Yako
Kana zvichitora madhora makumi manomwe nemakumi mashanu pagore kuti ufare, mari yakadii iwe yaunoda muhofisi yako yepamusoro kuti ubudise huwandu hwemari yekuyerera? Mhinduro: Inobva pane zvidzidzo zvamakasarudza.
Somuenzaniso, muMidwest kumaodzanyemba kwegore ra2016, zvinogona kuve nyore kune mubhadhati asina chikwereti kuti awane chinhu chakadaro nehofisi yezvivakwa zvekuvakira kana zvivako zvehofisi zvebhizimisi zvinoshandiswa pane imwe nzvimbo pakati pe $ 800,000 ne $ 1,000,000, chimwe chinhu chingava chega asi zvisingaiti mumusika wakafanana neSouth California kana New York. Kana iwe uchida kushandisa shanduro yekuchengetedza yakakwana, iwe unogona kuibvisa pamwe nehuwandu hwakakwana; imwe yezvikonzero zvivakwa zvemuzinda zvinodhevedzwa neavo vakave vakapfuma.
Zvimwewo, nzvimbo dzakasiyana-siyana dzezvikwata uye zvisungo zvingada chero kupi zvako kubva pa $ 1,875,000 kusvika ku $ 2 500 000 kana dzichitevera zvakanyatsorongororwa mazano ekutsvaga kutora pasi zvinopfuura 3 kubva muzana kusvika ku4 muzana yehuwandu hwemapato ega ega gore (kudzidza zvimwe pamusoro pehurukuro, verenga Chii Chiri Kurega Kuregererwa Kwemari Yekurasikirwa?
). Izvi zvinotevera kuti kana waenda mberi kweizvozvo, mari yakawanda haizorevi kuti mufaro mukuru.
Kune mhuri inowanzoshanda inobata mari yepakati pegore-inenge $ 50,000, iyo purofiti inongoda kuunza $ 25,000 kana zvakadaro mumari inoyerera kuti ivhare chikamu kuti muve nemufaro mukuru wemari. Izvi zvinoita kuti basa racho riwedzere kunetsa kana iwe uri muduku, kunyanya kana iwe ukashandisa zvakakwana 401 (k) kushandiswa kwevashandi pamwe chete nekubhadhara Roth IRA , uchifarira zvikwereti zvemitero sezvaunowedzera mari.