Ndinoda Mari Kupi Mari Yakadini?

Sezvo kuitisa kunotanga nekuponesa, tinotarisa mubvunzo uyu unokosha

Rimwe remibvunzo inowanzobvunzwa nevashambadzi vese vanobvunza kuti, "Ndingafanira kuchengetedza mari yakawanda sei nokuda kwekutsvaga mari yangu?" Kunyange zvazvo mubvunzo wacho wakananga, mhinduro haisi nyore nokuti inobva pane zvishomanana zvezvinhu zvakasiyana nemunhu mumwe nomumwe kana mhuri. Ngatitarisei mibvunzo uye ipapo tinokwanisa kutarisana mumwe nomumwe zvakananga.

Tisati tatanga, zvakadaro, zvinokosha kuti iwe unzwisise musiyano pakati pekuponesa nekutsvaga mari.

Kuti udzidze zvakawanda pamusoro peizvi uye kuti unofanira kufambidzana sei zviri zviviri, verenga Kuchengetedza nekukwereta - Kuwana Maonero Akanaka .

Mibvunzo Mina Yekubatsira Iwe Tsvaga Kuti Unofanirwa Sei Kuponesa

Chokutanga, tanga nokuzvibvunza mibvunzo mina, uye nyora pasi mhinduro dzako:

1. Iko mari yakawanda yekubhadhara mari yaunoda gore negore kubva mumari yako? Ichi chifananidzi hachifaniri kusanganisira kwete chete mari yekuwana yezvinhu zvaunoda (semuenzaniso, mutengo weimba itsva), asi kugadzirisa uye kuchengetedza, pamwe chete (kupisa, air conditioning , inshuwarisi, kushandiswa kwemasese, nezvimwewo).
2. Kuwanda kwekutsvaga (kureva, kutarisa kuti account yako kukoshesa kuchinja) iwe unoda kutora here? Kunyanya iwe unoda kuwana upfumi, hukuru hunoshandura huchikosha, zvose zviri kumusoro uye pasi. Iwe unogona, semuenzaniso, unotarisa kuti account yako inodonha ne50 kubva muzana kana kuti inokwira ne100 muzana yeurongwa hutsinye hunogona kukuendesa kune chinangwa chako nokukurumidza.

1. Pazera ripi raunoda kuwana mari? Izvi zvakakosha nokuti zvikomborero zvakakura zvemari dzisina mutero uye yekodha-yekodzero dzisina kubhadhara hazvizovipo kwauri kana uchida kubvisa mari iwe usati wava nemakore 59 1/2 kana kuti zvimwe uchazobhadharwa kubhadhara zvikwereti zvakakura kusvika kune IRS (kunze kwekuti iwe unokodzera imwe yeZvane Nzira dzekudzivisa 10% yekutanga Kutora Mutongo .

1. Iwe unoda kuzvipira hupi hupenyu hwehupenyu huno nekuda kwepfuma yako zvinangwa?

Zvino, regai tione kuti izvi zvinoshanda sei pamwe kupindura mubvunzo uyu: Ndinofanira kuchengetedza zvakadini?

Mari Yaunoda Mari Yaunoda Kubva Pakutenga Kwako Gore Negore?

Inotora mari yakawanda sei kuti iwe urarame nenzira yaunoda? Ingadai inotora madhora 50 000 pagore here? $ 150,000? Zvichida $ 500,000. Dzorera chero mari ipi yaunowana kubva kubasa rako (kana iwe usingadi kushanda, tamba danho iri), uye chero ipi zvayo yaunowana iwe. Zvino ugovana chiyero ne00 kuti uwane zvinhu zvaungatora kuti utsigire iyo iyo yemari yegore. (Nei .04, iwe unobvunza? Vazhinji varonga zvemari vanoverenga kuti mutengesi aigona kubvisa 4 kubva muzana yemari yavo gore roga roga uye nhoroondo yacho ichiri kuwedzera zvakakwana, pane nguva, kuchengetedza kukosha kwayo ikozvino mushure mekugadzirisa kuwedzera kwezvinhu .)

Muenzaniso unogona kubatsira. Ngatiti iwe unoda kuita $ 80,000 pagore kurarama nenzira yaunoda. Iwe unongoda kushanda nguva-yega uye unogona kuita $ 20,000 pagore. Iwe unotarisira kuunganidza $ 15,000 pagore mu Social Security. Iwe unotora $ 80,000 - $ 35,000 = $ 45,000. Zvadaro $ 45,000 yakakamurwa ne004 = $ 1,125,000. Ndiyo mari yaizotarisirwa iwe kuti uwane imwe $ 65,000 kubva mumari yako uye usambopedza mari.

Iye zvino, unofanirwa kuona kuti iwe unoda sei mari yacho nokukurumidza. Ngatiti uri 35 uye iwe unoda kubhadhara pa 65. Iko kunokupa makore makumi matatu. Kushandisa chero ipi zvayo zvezviuru zvekuchengetedza zviyero paIndaneti (tarisa iyi kubva kuBhangerate, somuenzaniso: Savings Calculator), unogona kuvhara nhamba dzako uye uone kuti chii chaizotora maererano nemari yekuchengetedza mwedzi wose kusvika kune chinangwa chako. Tichifunga kuti unogona kuwana 8 muzana pamari yako, inoda $ 754.85 kuisa pamwedzi mumwe nomumwe kusvikira wapedza basa. (Kana iwe wakatanga pa25, pane kudaro, zvinotora $ 322.26 pamwedzi pamusana pesimba rekuwedzera . Kana wakatanga pa18, zvinongotora madhora 181.09 pamwedzi.)

Kana iwe usingadi kusiya chimwe chinhu kumhuri yako, shamwari, kana rudo ( chinosara chakasara chivimbo chinogona kuva chisarudzo chakanaka kuvarimi), zviyero zvekuchengetera zvingave zvakaderera zvikuru nokuti iyi muenzaniso unotarisira iwe kuchengetedza $ 1,125,000 mari muchigarire.

Ndicho chikonzero iwe uchaona vazhinji varonga zvemari vanofungidzira mararamiro enyu. Vachazogadzira purogiramu kuitira kuti mari yenyu ibude, ichiti, makore 85 kana 90.

Iwe unokwanisa kuzadzisa chinangwa chako nekukurumidza nekuponesa mamwe mwedzi. Zvingave kana kwete iwe unokwanisa kuita izvo zvichange zvichienderana nekuwanda kwaunoda kuzvipira. Kunyangwe mamwe $ 300 pamwedzi zvinogona kureva kusvika paunenge uchichengetedza chinangwa makore, kana zvichida makumi emakore, mberi kwekuti iwe unogona. Iko kunofanirwa kutyaira motokari yakashandiswa here kana kuti kwete kuronga chero kunze kwemvura paresitorendi? Izvozvo zvinoenderana nezvamunotanga kukosha uye hakuna munhu anogona kupindura mubvunzo iwoyo kwauri. Ndakataurira izvi muR $ 25,000 Bouquet of Roses.

Makore akati apfuura apfuura, ndakagadzira mhinduro pamusoro pemamiriro ezvinhu muDetroit. Tichifunga nezvekusava nekushanda kwemabasa, kusava nemabasa mashoma, uye kusagadzikana kwevanhu munzvimbo iyoyo, ndakabvunzwa zvandingaita kudai mhuri yangu yaiva muguta. Mhinduro yangu: Enda. Ndaitakura zvinhu zvose zvataiva nazvo, kuwana imwe yakawanda yemamiriro ehupfumi, nekuenda ikoko. Zvinokonzerwa nekubata chimwe chinhu (munyaya iyi, basa rakakura rekubhadhara uye zvikoro zvakanaka zvevana ) zvingave zviri nani kuburikidza nekukandira mutsara wangu mugomba rine hove dzakawanda.

Vanhu vashomanana vakapindura zvakasimba kuti ndakanga ndisina zvachose kuti ndiratidze kuti mhuri dzichibvarura ivo pachavo. Handina chokwadi kuti ndingataura izvi sei nekuremekedza, saka ndinongozviisa kunze uko: Kana iwe usingadi kuzvivhiringidza kuti uwane mukana huri nani huri nani, unogona kudzidza kudzigutsikana nourombo. Ndizvo zvose zvaunenge uine.

Muhupenyu hwangu, ichi chaiva chisarudzo chandakaita pakutanga. Kusiyana neshamwari dzangu dzose, ndakaramba kutenga motokari kusvikira ndave nemakore anopfuura makumi maviri nemaviri nekuti ini ndichiri kuyaruka, ndakaona kuti vaine mari yakawanda inopfuurira yakafanana nemafesi, inshuwarisi, nezvimwewo. Zvakatora kurangwa (uye zvechokwadi haisi nguva dzose inofadza), asi pandakazoita nemotokari yangu yekutanga nguva pfupi ndapedza chikoroji, yakanga iri Jaguar yakanaka yandakawana pamutengo unoshamisa kwazvo. Panguva iyoyo, ndakanga ndisisina chikwereti, mitero yangu yakabhadharwa, uye ndakanga ndavaka chikwama chekusimudzira mari yekushambadzira kuburikidza nekushanda nzira yangu kuburikidza nechikoro. Kuponesa kwangu uye kubhadhara kwaive kwakabhadhara, pasinei nekufanira kuzviisa kuchikoro. Shamwari dzangu dzaisava nemoyo murefu, dzaida kugutsikana kwenguva pfupi, uye dzakatenga motokari dzavo pa16 nemotokari yemotokari iyo yaibhadhara chikwereti.

Kutonga kwechigunwe kunogona kuiswa muchidimbu sezvo iwe unoda kurasa nhasi, iwe unokurumidza iwe kusvika paunowana mari yako nepfuma . Imwe nyevero: Usatora izvi zvakanyanya. Sezvo nyanzvi yezvematongerwo enyika anonzi John Maynard Keynes akataura, "Mukufamba kwenguva, isu tose tafa." Mari iripo chete kuti ikubvumire kuva nemhando yemararamiro aunoda uye kuvhura masuo emukana wemhuri yako. Sezvo baba vangu vakanditaurira ini naamai vangu vasati vandisiyira pajijiji makore ose apfuura, musambozvitengesa mukana kana ruzivo rwemari nokuti ichava murombo. Zvechokwadi handina kurarama semurombo (kure kure nayo). Zvizhinji zveizvi zvaikwanisika nekuti chirango changu chekare chakandibvumira kuti ndirege kudzivirira zvikwereti zvinowanikwa vakawanda veAmerica vachibhadhara pamisha yavo, makadhi emakwereti, motokari, zvikwereti zvevadzidzi , makadhi ekuchengetedza mari, uye nezvimwewo.

Iwe unogona kushandisa yakaenzana chekushandisa kubva kune imwe yapfuura munyaya yacho kuti uwedzere mari yakachengetwa yaunoda kuiisa mumwedzi wega wega. Ichaita mhinduro itsva, kukuratidza kuti nokukurumidza iwe uchasvika sei pane chinangwa chako. Muchiitiko chemuenzaniso wedu wekare, munhu wemakore makumi maviri nemashanu anenge achida kukanda mu $ 300 pamwedzi aizokwanisa kubhadhara purogiramu pamakore 57 nemwedzi gumi, kana kuti anenge makore manomwe nemwedzi miviri zvisati zvaitwa . Izvozvo zvakakosha kwauri here? Kupa $ 300 pamwedzi kunokosha kune mamwe makore manomwe + ekurega basa? Zvakare, iwe chete unogona kupindura mubvunzo iwoyo.

Mamwe Mashoko Pamusoro Pokuchengetedza Mari

Kuti uwane mamwe mashoko pamusoro pekuti iwe unogona sei kutanga kuchengetedza mari, verenga Mufambiro Wese Wekutanga wekuchengetedza Mari .