Uye uchitenda kana kwete, kunyange vatungamiri vezvemari vepamusoro vanozviwana ivo pachavo vanochera zvigadziro. Saka takasarudza kubvunza vamwe vatungamiri vezvemari vanovanetseka zvikuru-uye kuziva kuti vanoisa sei kutya ikoko munzvimbo yavo.
Kutya: Zvakadini kana vana vangu vasina kugadzirirwa kuti vawane mari?
"Ndine vana vana kubva pa13 kusvika ku25, uye ndinoda kuve nechokwadi kuti vari kutanga," anodaro Kimberlee Orth, Private Wealth Advisor neAmeriprise muWilmington, Delaware. Valerie Newell, Sachigaro uye Mutungamiri weRwiziPoint Capital Management muCincinnati, Ohio, akarondedzera kutya ikoko-kunetseka kuti vana vacha (kufanana nemamiriyoni akawanda emakore) vachava pangozi yakaipisisa nokuti vakaona kuti 2008-2009 isati yashandura. Zvandave ndichiparidza kuvakomana vangu vaviri ndezvi: Regai kuchengetedza uye tanga kuisa mari, "anodaro Newell. "Unofanirwa kunzwa wakasununguka pamusoro pekutsvaga, uye izvi zvinoreva kudzidzisa iwe pachako."
Squash it: "[Mu] imba yandakakurira, hatina kutaura nezvemari-nguva dzose," anodaro Orth. Ndicho chikonzero iye nemurume wake (uyewo mutariri wezvemari) vanotumira musangano wezvemari pese patafura yekudya kweSvondo manheru oga oga. Vanotaura pamusoro pevhiki yapfuura, iyo inouya uye chero ipi zvayo iri kuuya guru mari.
Somuenzaniso, mwanasikana waOrth ari kutarisa kutenga motokari, saka boka rose remhuri rakakurukura pamusoro pekuchengetedza, kukwanisa uye mari. "Mwana ari kutenga motokari ari kuwana ruzivo rwepamusoro, uye vamwe vatatu varikunzwa uye vanoteerera," anodaro. Imwe pfungwa? Jane Williams, sachigaro weSand Hill Global Advisors muPalo Alto, California, akabatanidza vanakomana vake vaviri nekupa mari yakawedzerwa kune zvipo zvavanofunga kuti zvakakosha.
Yakabatsira kudzidzisa vana vake kukosha kwedhora uye kuti zvipo zvakadini zvinogona kuenda kune kubatsira vanhu.
Kutya: Zvakadini kana ini ndichitsvaga mari yangu mukurega basa ?
"Chikumbaridzo chekurega basa ndechokuzvidya mwoyo kune vose," anodaro Williams. "Tichapedza zvatinowana here?" Nguva ipi zvayo inofungidzirwa kupinda mune mari yekubhadhara mari shoma shoma (sekugadzirisa kana nguva yezororo), anozvibvunza kana ari kuita izvozvo pangozi yake kana nenzira yakarongeka. Anoti ihondo yakasimba nguva dzose, kunyange yepro pro yakafanana naye. Kuna Mark Curtis, Wealth Advisor paGreystone Consulting, uyewo muPalo Alto, kutya hakusi kuzowedzera zvakakwana-asi kuchinja mari kuva muganhu wekuwana uchatora chero bedzi iye (nevatengi vake) vachiita. "Chii chinoita kuti ndirambe ndakamuka usiku ndichitsvaga mari yekuwana mari uye kugadziriswa mari pane imwe nguva muupenyu ?," anodaro. "Chimwe chinhu chandinofunga kuti vazhinji vedu tinofunga nezvavo, kusanganisira vauri, ndechekuti: Mari yangu yakaita sei kana ini ndichida kutanga kusashanda zvakanyanya? Ndezvipi zvinetso zvandiri kuenda kuzoshandura mari yangu maonero pachedu kubva pakuunganidza uye kukura kune mari. "
Shingai iro: "Ini ndechechokwadi ndakatora kufungisisa nokuti ndinofunga iwe unofanirwa kuonga pamusoro pezvaunazvo uye kunyatsoziva pamusoro pezvaunoda chaizvo," anodaro Williams.
"Asi izvi hazvirevi kuti hausi ... .3 mumangwanani ekumusoro apo ndiri kungochera mazino angu uye ndinetseka," anodaro, achicherechedza kuti izvi hazvirevi zvisiri izvo nemhaka yezvakawanda zvezvinhu uye zvinhu. Kugadziriswa: Ita chimwe chinhu pamusoro payo, kana chiri kufungisisa, kugara uchiongorora mauri kuunganidza, misangano nemudzidzisi wezvemari kana zvose zviri pamusoro apa. Ziva kuti kuzvidya mwoyo hakusi nguva dzose kunokanganisa-kunyange "iwe unoda kuzvitarisa nekudzidzora uye kuva nemafungiro pamusoro pacho," anodaro Williams. "Ndiri kungozviyeuchidza nguva dzose kuti zvinonetsa zvandinezvo zviri kunyanya mukati mekutonga kwangu-uye kuti kana ndichinyatsoteerera uye ndinocherechedza pfungwa dzangu pandinopfuura, ndinogona kusvika pamusoro pavo," anoti. Kana ari Curtis, anotaura kuti kuchinja nzira yaanofunga pamusoro pemari yekurasikirwa kwemari kwave kwakakosha. Anotsigira kuparadzanisa mutungamiri kubva pakuonga-uchiona kuti kunyange kana zvikwereti zvako zvisingawedzere kukosha, iwe unenge uchinge uine mukana wokuwana.
Izvozvo zvinogona kuita kuti unzwe wakachengeteka.
Kutya: Ko kana ndikasakanganwa "rwiyo"? Tiri kurarama-dab pakati peNhau Age-zvinoreva mitsara yevaraidzo, zvatinowana uye deta zvinogara zvichisvika pamakumbo edu. Curtis akapinda muitiro wekugara ari pakati peusiku pakati pePacific Standard Time saka aigona kutarisa kumisika yeAsia neEurope asati aenda kunorara. "Ndinoshushikana: [Ko] ndinobvisa pane izvo zvakakwana kuti ndibvumire kuona mufananidzo mukuru here ?," anodaro, achicherechedza kuti zvakakosha kwatiri tose sevateresi kuti tirambe tichifunga kwenguva refu , nokuti zvakanyanya kubviswa iwe uri , zvakajeka mamiriro acho-uye pfungwa yokuti pfupi yenguva shoma haigoni kuitika kwenguva refu-inova.
Shingairira: Dzoka kubva pomponi yako, kombiyuta kana terevhizheni kwenguva yakatarwa. Kunyanya kufunga nezvekutya kwemari kunogona kuita kuti vawande, anodaro Curtis, kunyanya mumibvunzo yakadai seyi: Ndiri kugadzira zvakakwana here? Ndiri kusimba here? Ndiri akachenjera here? "Yeuka zvose izvozvo," anodaro. "Zvose nguva nenguva kana ndikadengenyeka, zvichida apo ini ndabvumira imwe nyaya iri kunze inopinda mukati." Saka zvibvunze kuti: Ndini nyanzvi yei? Mhinduro yacho inosanganisira: "Iwe pachako, mamiriro ako, zvinangwa zvako nezvinangwa," anodaro. "Chengeta avo vanofungidzira."
NaHayden Field