Nzira kare.
Pfungwa yekufambisa uku ndeyokudhura mari yako uye kuwedzera mari yako yekukubvumira kuwana rusununguko rwezvemari uye kubhadhara kwenguva refu . Sangano racho rinoriidza MOTO-pfupi nokuda kwehutano hwenyika ini ndezvemhosva / r etire e arly.
Chii chinonzi kufamba kweMoto?
Dare reMoto rinoumbwa nevanhu vari munyika iyo vanofunga kuti iwe unofanira kuva wakanaka usati wapedza makore makumi matanhatu, pamwe nevamwe vachitsigira kubvisa makumi matatu. Kana iwe uchifunga kuti hazvibviri, tarisa mumwe wevatungamiri vehutsvene hweMOTO , Mr. Money Mustache.
Muhupenyu chaihwo, Mr. Money Masheche anoenda naPetro Adeney. Adeney nemudzimai wake vakaedza kurarama mararamiro anoshamisa asinganzwisisiki muguta ravo reLexmont, Colorado. Vakachengetedza vanenge makumi mashanu kubva muzana yemari yavo mubhadharo yakaderera Vanguard mari, maererano newebsite yake. Pakati pemari shoma yekurarama, mari mbiri dzekubhadhara, uye mari yeVanguard, akakwanisa kupedza basa pazera remakore makumi matatu!
Kunyange zvazvo Adeney achiri mutungamiri anokosha mumugariro weMOTO, sangano rakapararira kupfuura iye, nevekuenda kune webhu, kusanganisira yeRouth Reddit yeruzhinji, Kubva Kwokurasikirwa Kwemhirizhonga, Mad FIentist, Frugalwoods, uye kuwedzera kwemafirimu emvura.
Matanho ekunyanyisa zvakanyanya
Kuti uite basa reMOTO, unoda kusanganisa zvose zvinopisa zvechisimba nekunyanyisa zvakanyanya. Ichi ndicho chikamu chakaoma kwazvo cheMOTO nokuda kwevanhu vakawanda vane mari yepakati pekuwana. Kana wakamboverenga pamusoro pehutano husati wapfuura, ungangodaro uchinge uchitarisa nzvimbo iyo yakaenzaniswa nemamwe vanhu vari munharaunda yeMOTO vanosarudza kurarama.
VaMoney Mustache vachangobva kugovera tsananguro yakajeka yemari yemhuri yavo, iyo inosvika kusvika $ 25,000 pagore. Hongu, iyo ndiyo bhajeti yegore negore yemhuri yevatatu vanorarama mararamiro ari pakati nepakati mumaguta maduku pedyo neDenver. Unogona here kufungidzira kutora mari yako kusvika panguva yakadaro?
Kudzvora mari yako kudarika madhora 10 000 pamunhu mumwechete kune gore kunoda zvimwe zvibayiro uye zvakawanda zvokuronga. Zvinoreva kuzvidzora zvekudya uye muchitoro chekuchengetedza, uye zvinogonawo kureva mabhasikoro panzvimbo yemotokari, raibhurari pane nzvimbo yeAmazon, uye kuchinja zvinhu zvakadai sewaini mabhizinesi uye mahoitorendi kuti zvive zvinhu zvemazuva ano zvigadzirwa zvepamusoro panzvimbo yezvakaitika zuva nezuva kana kwevhiki.
Chengetedza makumi mashanu kubva muzana kana zvimwe zvepfuma yako
Unoitei nezvose izvi zvakachengeterwa mari apo iwe hausisiri kupazve pamusoro pokutenga nguva dzose, kutenga, uye mabhiridha? Zvichengetedze mumutengo unodhura-index fund. Mhepo yakawanda yakaratidza mhuri uye vanhu vakaisa mari yavo yose muVanguard yeS & P 500 index index; iyo inongodarika 0.04 muzana mumari yeAdmiral version, inowanikwa kune avo vane $ 10 000 kuti vashandise.
Tinogona kupinda muhurukuro huru pamusoro pekuchenjera kwekuisa mari yako yose, kana yakawanda yaro, mune imwe kana nhamba shoma yemari.
Dunhu reMOTO rinopikisa kuti S & P 500 inowedzera neanenge 10 kubva muzana pagore pahuwandu, uye inosiyanisa nzvimbo yako yepodhiyo nekupa umwene wezvikwata mazana mashanu zveAmerica zvishomanana nezvimwe zvishomanana kutenga mari.
Vakawanda vezvikwereti vekutsinhanisa vanoti vanochengetedza zvishoma zve10 muzana kune 15 muzana yemari yenyu mune 401 (k) kana IRA , asi idzi mari dzinokonesa kuwana mari yako kusvikira wawana IRS yakabvumirwa nemakore ekurega basa . MOTO unotsanangura kubhadhara mitero kungave usina kukodzera, uye vamwe MUMWE VAKOMBERI veMOTO vanoita saMad FIentist vachikurukura maitiro ekuwana mavari kumiganhu yeRS retirement retirement.
Asi kana uchikwanisa kuzviita, funga izvi: Gore roga rega rebasa rinogona kukupa gore rose rekushandisa mari ikozvino, uye gore rose rekusunungurwa, kana iwe unogona kuchengetedza pa50 muzana yehuwandu. Izvi zvinoreva makore ose mashanu ari kushanda iwe anokupa makore mashanu ekurega basa, uye izvozvo hazvitori kukura kwekutsvaga.
Kana iwe uchinge uri muvhareji wenguva refu 10 muzana inodzokera kunekutsvaga, iwe unogona kusvika kumubhedha pachidimbu nokukurumidza kudarika gore rimwe rokubata basa rinowanikwa gore rose rebasa.
Tora MOTO wako zuva kuti uende kure
Kana ukashandisa $ 25,000 pagore, $ 100,000 mukuchengetedza inokupa makore mana ekugara mari. Nokuunza mari yako yepamusoro pasi rose uye nekuponesa pamwero unotyisa, pakupedzisira iwe ucharova purogiramu yako yokutanga yokurega basa inokubvumira kusiya basa rako zvakanaka.
Vakawanda vari munharaunda yeMOTO vanoshandisa huwandu hwe4% hwekuregererwa kwekutora kuti vasarudze zvavanokwanisa kuwana kubva kune mari gore negore vasingashandisi mari. Nechocho chirevo, hezvino mazinga ekuchengetedza anowanikwa kuti atorerese pabasa pamadhora mashomanana emari, nokuda kweThe College Investor.
Mutengo wegore negore | Retirement Number |
$ 48,000 | $ 1,200,000 |
$ 60,000 | $ 1,500,000 |
$ 72,000 | $ 1,800,000 |
$ 84,000 | $ 2,100,000 |
$ 96,000 | $ 2,400,000 |
Izvi zvinoreva kuti kana ukararama pa $ 48,000 pagore, unogona kusiya basa rako ne $ 1.2 mamiriyoni mukuchengetedza usina kumbobuda kunze kwemari. Asi kana iwe uchigona kurarama pa $ 24,000 pagore, sevamwe vemunharaunda dzemunharaunda vanoedza kuita, unogona kubhadhara ne $ 600,000 chete yakachengetedzwa.
Chero ani zvake anogona kudzidza kubva paMOTO, kunyange kana zvakanyanya kunyanyisa
Zvechokwadi, vanhu vakawanda vanoda-kana vanoda - kushandisa mari inopfuura $ 25,000 pamari. Kunyange zvazvo vakawanda vakawana kubudirira pamwe nekufambisa kweMoto, chokwadi ndechekuti vanhu vazhinji havazombofi vachifara kurarama hupenyu huno hutsika, kana vachigona kuzvitsigira zvachose.
Asi izvi hazvirevi kuti iwe haugone kudzidza chimwe chinhu kubva pakunyura kweMOTO. Kana iwe ukakwanisa kutora matanho maduku kuderedza mari uye kukura mari, unogona kungozviwana uri pamugwagwa wekurega basa, zvakare-zvichida kwete ne30, asi zvirokwazvo zvakanaka usati wasvitsa 65.