34 évesen már visszavonultam, itt van 7 tippem amit érdemes a pénzről tudni – Blogshop

34 évesen már visszavonultam, itt van 7 tippem amit érdemes a pénzről tudni

2016 augusztusában Brandon – személyiségi jogok miatt nevezzük csak Brandonnak – elérte az anyagi függetlenséget és 34 évesen visszavonult. Ma a pénzről és a saját anyagi “utazásáról” blogjában a MAD Fientistben számol be folyamatosan. Itt van a 7 legjobb tanácsa a pénzről:

1. Találd ki mi tesz téged boldoggá:

Az első és legfontosabb dolog amire szükséged van, találd ki és fogalmazd meg, mi tesz téged valóban boldoggá.

Ez valójában sokkal keményebb mint ahogy hangzik.

Olyan sok ember költ pénzt arra, ami igazán nem tesz a boldogságukhoz, és nem is tudják, ugyanazt az életiveli receptet folytatják, mint mindenki más.

Nem szükséges új házat vásárolj, mert a barátaid is vettek, és sikkes új autóra se van szükséged, csak, hogy lenyűgözd a kollégáidat.

Megvan az erőd, hogy azt tégy az életben amire vágysz, és nem mások életét éld. Helyette találd ki, tényleg mit szeretnél és arra spórolj, erre áldozz.

When I realized that money could buy my freedom — freedom from the 9-to-5, freedom from alarm clocks, freedom from wasting my time on my boss’s ridiculous requests — I diverted all of my money toward that goal.

I didn’t miss the things I was “giving up” to save for financial independence because my freedom was more important than anything else I could buy.

2. Fókuszálj arra mit kontrollálhatsz

Rather than stress about what’s happening in the economy or attempt to predict what the stock market is going to do, instead focus on the things that are within your control and optimize those things.

Investment fees can cost you hundreds of thousands of dollars over your investing lifetime, so minimize those fees by investing in low-cost index funds.

Reduce risk and volatility by simply buying all the stocks in the market via a total stock market index fund like Vanguard’s VTSAX.

Minimize your taxes (and thus increase the amount you can invest) by taking advantage of tax-advantaged accounts like 401(k)s, IRAs, and HSAs and by using other legal tax-avoidance strategies.

3. Automatizálj mindent

Once you’ve created a simple portfolio of low-cost, diversified index funds and are taking advantage of all the tax-advantaged accounts available to you, set up automated monthly investments and then ignore your portfolio completely.

Humans are terrible investors, so if you can take your brain and emotions out of it, you’ll not only be less stressed during the inevitable market drops but you’ll also end up with a lot more money.

4. Fejezd be a vásárlást, alkoss!

Consuming provides temporary happiness but creating provides lasting happiness.

It’s easy to come home from work and consume four hours of television, but it’s much harder to do something creative like write a blog post, make some jewelry, or practice a musical instrument. Creating is more rewarding than consuming though and can even result in additional income.

When you’re on your deathbed, you’re not going to look back with pride at the number of hours of Facebook surfing you did or the number of episodes of “Real Housewives” you watched, but you will feel proud of the things you created and put out into the world.

5. Kúrd ki a Tv-det a picsába az ablakon

Speaking of your TV, throw it out the window. Or better yet, sell it on Craigslist.

When advertisers constantly bombard you with things you “need to have,” you become less happy with what you do have and are more likely to spend money (on things that won’t make you any happier).

solo travel city backpackPexels

When news reporters show you all the gruesome things happening, all in 4K-super-realistic HD, you become more fearful and less willing to get out and explore the world that is now more accessible than ever.

Don’t melt into a puddle of fear and unhappiness on your couch and instead go actually live life.

6. Utazz idegen országokba

Thanks to the advertisers mentioned above, Americans perception of what is “normal” is so ridiculously skewed that it usually takes traveling outside of the US to recalibrate yourself.

If you’re struggling with your spending and feel like you need more shiny things to be happy, travel to pretty much anywhere else in the world, and you’ll start to appreciate the ridiculous luxury you take for granted.

7. Tapasztalj, kísérletezz

Finally, experiment with your spending.

As I mentioned at the beginning, it’s really hard to figure out what makes you happy.

The things that add to your happiness today may not tomorrow so experiment and avoid locking yourself into big commitments. Try before you buy. Rent instead of own. Borrow when possible and purchase used when not.

The road to happiness (and financial independence) won’t be a completely straight line, and you may make some mistakes along the way, but when you focus on lasting happiness and you align your spending with that overarching goal, you’ll at least be confident that you’re on the right trajectory.


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