Impilo Yakho Yezezimali
Ngasekuqaleni konyaka ngibone esihlokweni kusuka ku-CNBC egcizelela ukuthi i-60% yabantu baseMelika izofakwa esikweletini ngemali ephuthumayo engu- $ 1,000. Lokhu kuthusa kakhulu isizwe sakithi sonke futhi kungahle kube nemiphumela emibi kakhulu emnothweni wethu ngesikhathi sokudodobala komnotho okulandelayo.
Njengomfundi owake waba ngumfundi wezimali, ezezimali nakwezomnotho bekulokhu kuyinto engiyithandayo selokhu ayishiya insimu futhi esebenza ebhizinisini. Ngicabange ukuthi lokhu kungaba yithuba elihle lokwabelana ngemibono emibili engikholwa ukuthi ingawenza umehluko omkhulu ezingeni lomuntu ngamunye futhi ibaluleke kakhulu kunawe omncane.
- Amandla emiSebenzi yansuku zonke
- Amandla Wenzalo Elinganayo
Amandla emiSebenzi yansuku zonke
Isithsaba sokuvikela siyabiza amakhilogremu yokwelapha - uBen Franklin
Kuyafana nomuntu ofuna ukuqala indlela entsha yokudla noma inqubo yokuzivocavoca, imiphumela ngeke ibonwe ubusuku bonke, kepha uma kwenziwa ngokujwayelekile, imiphumela ingaba mangalisa ngokuhamba kwesikhathi. Impilo yezezimali ilandela indlela efanayo yokuphumelela.
Thatha lesi sibonelo sokugcina i- $ 10 ngosuku. Le $ 10 izokwengeza kufinyelele ku- $ 3,650 ngonyaka. Uma igcinwa iminyaka emihlanu, ibizofinyelela ku- $ 18,250 ngaphambi kwemiphumela yenzalo ehlanganisiwe engatholakala kulokho okulondoloziwe.
Ukuba ngumsindisi we-net akulula futhi kudinga ukuhweba okunzima ngezinqumo nokwenza ukubambezeleka kwenjabulo, umbono wokususa okuthile okumnandi noma okumnandi manje, ukuze uthole okuthile okujabulisa kamuva. Kodwa-ke, uma ukwazi ukuqala ngoshintsho oluncane olulula futhi wakhe isikhwama sokulondolozwa kwezimo eziphuthumayo noma usebenzise ithuba lomdlalo we-401k nomqashi wakho, empeleni uzothola okungaphezulu kwe- $ 1 yedola ngalinye elilondoloziwe.
Amandla Wenzalo Elinganayo
Intshisakalo eyindida isimangaliso sesishiyagalombili emhlabeni. Abayiqondayo, bayayithola; abangayikhokhi, bayikhokhe - Albert Einstein
Uma kukhulunywa ngempilo yezezimali, ukuqala ukonga zisencane empilweni kunomthelela omkhulu esikhathini eside futhi kungenxa yamandla engcebo ehlanganisiwe. Thatha ishadi elilandelayo elihlinzekwe yiVanguard elibonisa amandla okonga nokutshala imali engu- $ 1 eminyakeni ehlukahlukene ngokususelwa ekubuyiselweni konyaka okungu-4%.
Idola elilodwa elitshalelwe iminyaka engu-20, elitshalwe ku-4% ngeminyaka ye-45 lizoba cishe yi- $ 6! Noma i- $ 3,650 elondolozwe kusibonelo sokuqala, uma ngabe eminyakeni engu-25 ibizokhula ibize ku- $ 17,520 kulesi sibonelo. Ukulondolozwa kuhlanganiswe nokutshala imali kwesokunxele ukuze kukhule isikhathi kunjengoba u-Einstein asho, isimanga sesishiyagalombili somhlaba.
Lapho sithatha isikweletu sokuthenga, siwela esimweni esifanayo, kodwa emuva. Lokho akusho ukuthi zonke izikweletu azilungile, noma kunjalo kubalulekile ukuqonda inani lenzalo esilikhokhiswa kanye nobude bemalimboleko ukuze siqonde kangcono izindleko eziphelele zokuthenga kwethu ikhaya, imoto noma ukusebenzisa ikhadi lethu lesikweletu. ngokuthenga.
Kuvaliwe:
Le yimibono iningi lenu okungenzeka liyazi futhi njengemikhuba yezempilo, elula emcabangweni futhi ilukhuni nokwenza. Kodwa-ke ngithemba ukuthi uthola inani elithile kule mqondo futhi ngikufisela okuhle kodwa ekuphokopheleni impilo yakho yezezimali yesikhathi eside.