Isevisi yokuhweba ngamakhophi. I-Algo yethu ivula futhi ivale ngokuzenzakalelayo ukuhweba.
I-L2T Algo inikeza amasiginali anenzuzo enkulu anengozi encane.
24/7 ukuhweba nge-cryptocurrency. Ngenkathi ulele, siyahweba.
Ukusethwa kwemizuzu eyi-10 okunezinzuzo ezinkulu. Imanuwali inikezwe ngokuthenga.
79% Izinga lempumelelo. Imiphumela yethu izokujabulisa.
Ukuhwebelana okungafika kuma-70 ngenyanga. Kunamapheya angaphezu kwama-5 atholakalayo.
Okubhaliselwe kwanyanga zonke kuqala ku-£58.
IMITHETHO EMIMBALWA YOKUTHOLAKALA
Zingu-13 izehlukaniso phakathi kwamadoda ayi-10 acebe kakhulu emhlabeni. Abayisikhombisa kwabayishumi abahamba phambili bahlukanisile okungenani kanye.
Ukuhlobana akusona isizathu, futhi lowo sayizi wesampula mncane. Kodwa isibalo esibi kakhulu kunesilinganiso sikazwelonke, esihlokweni esibaluleke kangaka enjabulweni, phakathi kweqembu elikuphila kwalo okunomona abaningi kangaka, liyathakazelisa, akunjalo?
Kunezindlela eziyisigidi zokuceba, eziningi zazo ezibandakanya ukuxhaphaza ama-niches athile kanye namathuba avela kanye, ungasho lutho ngenhlanhla. Imithetho yendawo yonke mayelana nendlela yokuceba kunzima ukuyithola.
Kodwa ukulahlekelwa yimali, noma ukulahlekelwa injabulo lapho unemali, noma ukuba yisigqila semali yakho - lezo zindaba zivame ukuba nezinhlobo ezifanayo. Zivamile ungazibiza ngemithetho.
Ukulinganisa ingcebo kulula. Ubala nje. Ukulinganisa ezinye zezindawo eziphansi zengcebo kunzima kakhulu futhi kuyinkimbinkimbi kakhulu. Zingahluka kakhulu futhi kube nzima ukuzikala kangangokuthi abantu abaningi ngeke baze bakholwe ukuthi zikhona. Ububi bengcebo? Kungenzeka kanjani lokho?
Ake ngiphakamise ukuthi ubuwula bokukhuluma ngokuncipha kwengcebo kuyingxenye yokuthi kungani ingcebo ingathandi ukujabulisa abantu ngendlela abebecabanga ngayo.
Lapho izinzuzo zemali zisobala kakhulu kodwa ukwehla kucashile, ukwehla obungakulindele kungaba okumangazayo kunezinzuzo obuzilindele.
Ngifuna imali eyengeziwe, kunjalo. Cishe wonke umuntu uyakwenza, nakuba ngezizathu ezahlukene.
Lolu akulona uhlu olumelene nengcebo - iqoqo nje lezinto eziphansi ezicashile okulula ukuziba, futhi ezivame kakhulu ungase ukubize ngemithetho yeqiniso kuphela yokuceba.
1. Okuningi okukujabulisayo empilweni akuhlangene nemali, nokubona ukuthi uma usunemali kungaba ukungenwa okubuhlungu.
UWill Smith wabhala emlandweni wakhe ukuthi lapho empofu futhi ecindezelekile, wayekwazi ukuphupha ngekusasa lapho esenemali eningi, nokuthi imali eyenza izinkinga zakhe ziphele.
Lapho esecebile, lelo themba lalingasekho.
Wayenayo yonke imali ayengayidinga futhi wayesacindezelekile, impilo yakhe yayisagcwele izinkinga.
URick Rubin wake wananela into efanayo:
“Kunzima ukudangala kuze kube yilapho amaphupho akho efezeka. Lapho amaphupho akho esefezekile futhi uqaphela ukuthi uzizwa ngendlela owawuzizwa ngayo ngaphambili lapho-ke uba nomuzwa wokuphelelwa ithemba.”
Injabulo iyinkimbinkimbi, kodwa uma uyenza ibe lula ezintweni ezinjengomkhaya onothando, impilo, ubungane, amahora angu-XNUMX okulala, izingane eziziphethe kahle, nokuba yingxenye yento enkulu kunawe, uyaqaphela ukuthi indima yemali ingaba nomkhawulo kangakanani. Akukhona ukuthi ayinandima; kuncane nje kunalokho obukucabanga.
Cabanga ngalokhu: Ungathanda yini ukwenza u-$100,000 1,000,000 ngonyaka ngomngane womshado okuthandayo, izingane ezikuthandayo, abangane abahle, impilo enhle nonembeza ohlanzekile, noma wenze u-$XNUMX XNUMX XNUMX kodwa ungabi nazo zonke lezo zinto? Kusobala kakhulu.
Yebo ungaba mpofu futhi ube lusizi noma ucebe futhi ujabule. Kodwa izicebi kuphela eziqaphelayo ukuthi lobo budlelwano bungaba nzima kangakanani. Ukuzuza imali cishe akuzange kuwulungise umshado wakho, akwenzanga abangane bakho bakuthande kakhulu, akuzange kukwenze waneliseke ngokwengeziwe. Ngakho lokho okwakuvame ukuba nethemba eliduduzayo ngalokho imali engakwenzela khona kuthathelwa indawo iqiniso elimsulwa lalokho engakwazi.
Kwesinye isikhathi iphupho yilo elizwakala limnandi, kuthi uma usulishayile iphupho lisuke lishabalale futhi udangele. UMalcolm Forbes: Ngesikhathi sesiwenza, sesiwutholile.
2. Lokho ocabanga ukuthi ukuncoma impumelelo yakho kungase kube umona.
Umrepha uDrake wake wathi, “Abantu bakuthanda kakhulu uma usebenzela okuthile, hhayi uma unayo.”
Kungaba nzima ukusho ukuthi lolo shintsho lwenzeka nini, futhi kuvamile ngomuntu ocebile ukuba acabange ukuthi uyanconywa kuyilapho enomona ngempela.
Umbhali uRobert Greene wake wabhala:
“Ungalokothi ube yisiwula uze ukholelwe ukuthi uvusa ukutuswa ngokubukisa ngezimfanelo ezikuphakamisa ngaphezu kwabanye. Ngokwenza abanye baqaphele isikhundla sabo esiphansi, umane nje uvusa ukutuseka okungajabulisi, noma umona, oyobaququda kuze kube yilapho bakucekela phansi ngezindlela ongaziboni kusengaphambili.”
Lokhu kuyiqiniso ikakhulukazi lapho okwakwenza waceba kuwuhlobo oluthile lokukhangisa impumelelo yakho ngendlela eyenza abanye bafune ukukusiza futhi bakusekele. Lapho ukutuseka kuphenduka umona, lokho kusekelwa kuyehla, futhi ukubekezelela kwabantu amaphutha akho kuncipha. Uma intatheli engenagama ibhale incwadi evikela ngokungananaziyo u-Sam Bankman-Fried, akekho ongaba nendaba - kungenzeka ukuthi empeleni bamhalalisele umbhali. Kodwa njengoba uMichael Lewis enza, ama-pitchforks aphuma.
UThoreau uthe, “Umona yintela okufanele ikhokhelwe yibo bonke abahlukanisi.”
3. Uma uceba kakhulu, mancane amathuba okuba abantu abaseduze kwakho bakutshele uma unephutha, uhlanya, ukhohlakele, noma unganakile.
U-Matt Damon uthi, “Unembe emphakathini nangokomzwelo ngesikhathi uduma. Okuhlangenwe nakho kwakho emhlabeni akufani neze.”
Kungenzeka okufanayo - futhi kuvame kakhulu - kulabo abacebile. Akekho umuntu oke akuphathe ngendlela efanayo. Futhi ingxenye embi kakhulu ukuthi ungase ungazi.
Umculi uDamien Hirst wake wathi:
“Bonke bayakuthanda. Ibhange liyakuthanda, nabalingisi bayakuthanda, ngoba bathatha imali yakho. Njalo ngonyaka uthola abantu abaningi ngokwengeziwe. Insizwa eyodwa ithatha amaphesenti angu-10 bese kuba enye ithatha amaphesenti angu-10 kanti enye ithatha amaphesenti angu-10 futhi konke kuyiphathi enkulu. Abantu abakunikeza imali ye-overdraft bangabangane bakho abakhulu, abakumoyizelayo futhi bekutshela ukuthi uyamangalisa ngakho uyaqhubeka nokwenza. "
Kwesinye isikhathi abantu basizakala ngawe ngenhloso, bephuca inzuzo ethile kuwe. Ngezinye izikhathi bakuthatha ngokungathi sína lapho kungafanele. Inkinga enkulu ngamabhamuza iwukuhlobana okunengqondo phakathi kwengcebo nokuhlakanipha, ngakho inqwaba yemibono engasile ithathwa ngokungathi sína ngoba umuntu ocebile okwesikhashana ukushilo.
U-Buffett wake wachaza:
“Ngangikwazi ukweluleka ngezezimali ngineminyaka engamashumi amabili nanye futhi abantu bebengangilaleli. Bengingavuka ngikhulume izinto ezigqama kakhulu futhi bekunganakiwe kakhulu. Futhi manje sesingasho izinto eziyiziwula kakhulu emhlabeni futhi inani elifanelekile labantu lizocabanga ukuthi kunencazelo enkulu efihliwe kukho noma okuthize. ”
4. Kwesinye isikhathi okwakwenza waphumelela kwakuwukukhathazeka nokukhathazeka, futhi awukwazi ukukuyeka lokho uma ucebile.
Ngicabanga ukuthi into abantu abaningi abayifunayo ngempela emalini yikhono lokuyeka ukucabanga ngemali. Ukuze babe nemali eyanele ukuthi bangayeka ukucabanga ngakho futhi bagxile kwezinye izinto. Yilobu budlelwano obuyinqaba: Bakhathazeka kakhulu ngokwenza imali ngethemba lokuthi ngelinye ilanga bayokuziba ngokuphelele.
Lokho kukhathazeka kubhebhezelwa ukucindezeleka nokukhathazeka. Kuvame ukuvela njengokulangazelela umsebenzi, ukutshala imali okunolaka, kanye nokugqugquzelwa kohlobo A.
Khona-ke, lapho sebecebile, bayaqaphela ukuthi abakwazi ukukuyeka lokho kucindezeleka. Sekugxilile kubo.
Basebenza amahora angu-80 ngesonto ngoba bafuna ukuthi ekugcineni bangalokothi basebenze. Kodwa uma sebenemali eyanele yokuthatha umhlalaphansi, abakwazi ukunciphisa ngoba abazi ukuthi bangenzani enye into ekuphileni ngaphandle komsebenzi.
Iningi labahleli bezimali engike ngakhuluma nabo bathi enye yezinselelo zabo ezinkulu wukuthola amakhasimende ukuthi asebenzise imali uma ethatha umhlalaphansi. Ngisho nenani lemali elifanele, elilondolozayo. Ukonga nokonga kuba yingxenye enkulu yobunikazi babanye abantu kangangokuthi abakwazi ukushintsha amagiya.
Ngicabanga ukuthi kwabanye abantu lokho kulungile. Ukubuka inhlanganisela yemali kubanikeza injabulo enkulu kunalokho abebengayithola ngokuyisebenzisa.
Kodwa labo umgomo wabo omkhulu uwukuyeka ukucabanga ngemali babambekile. Ukwenqaba ukuqaphela ukuthi ufinyelele umgomo wakho kungaba kubi njengokungakaze uhlangabezane nomgomo kwasekuqaleni.
5. Ayikho indlela elula yokuphatha ingcebo nezingane.
UCharlie Munger wake wabuzwa ngomunye wabangane bakhe abacebile ukuthi ngabe ukushiya izingane zakhe inqwaba yemali kuzolimaza isifiso sabo nesifiso sabo sokuvelela.
“Yebo kuzokwenzeka,” kusho uCharlie. "Kodwa kusafanele ukwenze."
“Kungani?” kubuza umngani.
“Ngoba uma ungabaniki imali bazokuzonda,” kusho uCharlie.
Njengezeluleko eziningi zikaMunger, ngicabanga ukuthi lokhu kuxhumana kuklanyelwe ukuthi kukhumbuleke. Cishe kuyiqiniso elingama-80%.
Kodwa ngokuvamile, uqinisile. Lezo yizo ezimbili ongakhetha kuzo abacebile: Hlukanisa isifiso sabo ngefa, noma babeke engcupheni uhlobo oluthile lwengxabano ngokubenqabela ukuphila okulula.
UWarren Buffett wake wathi uvame ukuzwa abantu abacebile bekhuluma ngokuthi umphakathi wezenhlalakahle uyingozi kangakanani, okwenza isizukulwane sama-moocher esithembele ezitembuni zokudla kanye nezinzuzo zokungasebenzi. Kodwa "laba bantu abafanayo bashiya izingane zabo izitembu zokudla nokuphila kwakho konke" esho. “Esikhundleni sokuthi babe nesikhulu sezenhlalakahle bane-trust fund officer. Futhi esikhundleni sokuba babe nezitembu zokudla, banamasheya namabhondi akhokha izabelo.”
Yebo kukhona okuhlukile. Kodwa okuningi okuhlukile - izingane ezicebile ezithola imali njengefa futhi ayithinti isifiso sazo - kungenxa yokuthi izingane zikhethekile, hhayi ngoba abazali benze isinqumo esihlakaniphile. Ukube uBill Gates oneminyaka engu-18 ubudala ezuza ifa lesigidigidi esingu-$1, bekungeke kumise isifiso sakhe. Ngokufanayo noSteve Jobs no-Elon Musk. UMark Zuckerberg wanikezwa ukheshi ka- $ 1 billion kuFacebook lapho eneminyaka engu-22 futhi akazange acwayize, akazange akucabangele lokho.
Kodwa lezo yizinyoni ezingavamile. Abantu abaningi badinga ukuqhutshwa ukwesaba ukungakwenzi.
Umngane wami uChris Davis wakhulela emndenini ocebile - umkhulu wakhe ungumtshalizimali odumile uShelby Davis, owaguqula u-$50,000 waba cishe u-$1 billion - futhi watshelwa esemncane ukuthi ngeke abone ngisho indibilishi ngenxa yokuthi umndeni wakhe wawungafuni ukumphuca ithuba lokuwenza. yedwa.
UChris wancokola: “Bebengangigebenga kancane nje.”
Akulula neze.
6. Ingcebo esheshayo iyingcebo entekenteke.
Ngiyawuthanda umbono wokuthi ijubane owenze ngalo ingcebo yakho liwuhhafu wempilo yokuthi ungalahlekelwa yikho ngokushesha kangakanani. Imali yakho kabili ngonyaka? Ungamangali lapho ulahlekelwa ingxenye yayo ngokushesha nje. I-Blitzscaling? I-Blitz ihlulekile.
Izinto ezimbili zenzeka ngengcebo esheshayo, entekenteke.
Enye ukuthi imali eza kalula ivamise ukusetshenziswa kalula. Lapho imali ifika ngokushesha, izindleko ezingokomzwelo zokuyifutha entweni ewubala ziphansi. Uqaphela kuphela ngokuthile uma kuthandeka kuwe. Ukuchitha imali esheshayo ongazange uchithe isikhathi esiningi noma amandla ekuzuzeni kungase kuzwakale kufana nokuma kobusuku obubodwa: ukuxhamazela futhi kujwayele ukuzisola. Imali endala ifuna indawo yokukhosela intela, imali entsha ifuna iLambo.
Okunye ukuthi uma ingcebo yenziwa ngokushesha, kuyanda amathuba okuba ivele enhlanhleni ezobuya ngokushesha nje.
Hlanganisa lezi zinto zombili, futhi noma nini lapho ubona ukwanda kwengcebo esheshayo - i-crypto ngo-2021 yayiyisibonelo esihle - uyazi ukuthi izophela kabi, njengoba inhlanhla iguqulela engozini futhi ukusetshenziswa okusobala kuguqulela esikweletini sendlela yokuphila engabonakali.
7. Udumo lunomfutho kuzo zombili izinhlangothi ngoba abantu bafuna ukuzihlanganisa nabawinile bagweme abahluliwe.
Uma uphumelela kakhulu yilapho abantu befuna ukuzihlanganisa nawe - okuyinto enhle kakhulu.
Kodwa lokho kunamandla ngokulinganayo ngokuhlehla.
Umuntu othile ekuqaleni komsebenzi wakhe angakwazi ukuganga futhi alulame ngokushesha, aye enkampanini elandelayo. Umuntu noma inkampani ephumelelayo inephutha ngalinye elivezwe ezindabeni, ligcwale iziteshi ezinhle zenethiwekhi yabo.
Izinkinga zika-Lehman Brothers zango-2008 zaba izindaba zezwe lonke; ibhange lomphakathi elincane belingase lifinyelele esiphethweni salo kungaziwa muntu.
Inkampani efana ne-Sears nayo ilingana naleli bhakede: Wonke umuntu uyazi ukuthi lidonsa kanzima kangakanani, ngakho akekho - amakhasimende, abasebenzi, abatshalizimali, abathengisi - ofuna ukuzihlanganisa nalo.
Kufana nesisho esithi, “Lapho inkawu ikhwela phezulu esigxotsheni, yilapho ubona imbongolo yayo.
8. Okulindelekile kungakhuphuka ngokushesha kunemali engenayo, ngakho-ke imali engenayo ephezulu ithumela okulindelekile ukuba kungalawuleki.
Umcebo uhlobene. Ukunethezeka kuhlobene. Kokubili kumane kuwukuqhathanisa phakathi kwalokho onakho nalokho abanye abantu abanakho.
I-quirk engiyibone kaningi ukuthi abanye abantu abacebe kakhulu yibo abathambekele kakhulu ekulindelweni okungalawuleki, ngoba bayazi kakhulu ukuthi abanye abantu abacebile baphila kanjani.
Ngo-1907, umbhali uWilliam Dawson wabhala ngendlela umuzwa wengcebo ohlobene ngayo nalokho ojwayele ukukwenza:
“Indoda efundile, ejwayele ukuphila ngendlela elula, yayizohlukunyezwa ngendlela engachazeki uma yayihlaliswa endlini eyodwa enabantu abaningi nengcolile, futhi kwakudingeka iphile ngomholo ngaso leso sikhathi ngobuxhwanguxhwangu futhi buyingozi. Wayeyohlushwa yileyo nkumbulo yezinto ezijabulisayo, esitshelwa ukuthi 'umqhele wosizi wosizi.'
Kodwa umuntu ongasazi esinye isimo sokuphila akalwazi usizi lwayo. Akanayo indinganiso yokuqhathanisa. Indawo engaqhubezela indoda ephucukile emicabangweni yokuzibulala, ayikhiqizi okungaka njengokunganeliseki kuye. Ngakho kunenjabulo enkulu kakhulu phakathi kwabampofu kunalokho esikucabangayo.”
Ukugcizelela iphuzu lakhe: UDawson naye wayephumelele kahle futhi ejwayele izindlela ezilula ngokwezinga losuku lwakhe. Kodwa uDawson, owashona ngo-1928, wachitha ingxenye enkulu yokuphila kwakhe engenawo ugesi noma i-air conditioning. Akakaze abe nama-antibiotics, i-Advil, noma umuthi wokugomela uvendle. Akakaze abone izibikezelo zezulu ezinembe ngokunengqondo, noma umgwaqo omkhulu ophakathi kwezifundazwe.
Umuntu waseMelika ojwayelekile namuhla othumele emuva ngesikhathi ukuze ezwe impilo kaDawson uzobhekana “nokuhlushwa okungakhulumeki” abhala ngakho. Kodwa wayengenazo izikhathi zanamuhla ayengaqhathanisa ngazo ukuphila kwakhe, ngakho wayezizwa enobukhazikhazi kuye.
Konke okuhle empilweni kulungile igebe phakathi kwezinto ezilindelwe nezingokoqobo, futhi uma uhlaka lwakho oluyinhloko lwereferensi abanye abantu abacebile abazama ukujabulisana, lelo gebe lingavaleka ngokushesha.
9. Akekho ozokukhumbula eminyakeni eyi-100.
Ngakho ungase futhi ugxile kulokho okuzokwenza ujabule manje, esikhundleni salokho imali engase ikuthengele esikhathini esizayo.
Kunesaga saseScottish esithi: Jabula usaphila, ngoba usunesikhathi eside ufile.
About the Author: Morgan Housel
Source: I-Collabfund
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