现在最流行的话题莫过于中年危机,被它怒刷了一波存在感的90后开始思索,到了40岁还没实现财务自由的自己,应该如何面对油腻的中年?能够实现财务自由“提前退休”,即使不工作,你也无需为金钱发愁。这样一种生活状态,光听描述就觉得幸福满满了。
但财务自由说起来容易,真要实现那是困难重重。因为在实现财务自由的路上,会有不少“障碍”出现。
1、没有稳定的收入
稳定的收入是实现财务自由的基础,如果没有稳定的收入,就意味着连原始资金都无法积累起来,更别谈财务自由了。那稳定的收入从何而来?对大部分人来说,工作是收入最直接也是最主要的来源,只要找一份工作,就能有收入。但如果要让自己的收入够稳定,还得不断学习并提升自己的能力,让自己无论到哪都能找到工作,获得薪资收入。
2、花钱无节制
有了稳定的收入其实还不够,比如对“月光族”来说,即便有了收入,但每月花钱无节制,没有任何结余,同样无法实现财务自由。只有控制自己的消费支出,比如每次购物前,都列一张清单,并做好预算,这样不仅可以省钱,让自己拥有更多的结余,也能督促自己将钱花在“刀刃”上,去做更有意义的事,进而达到开源的目的。
3、缺乏理财好习惯
都说理财可以帮助自己实现财务自由,但资深人士表示,如果急于求成,理财很可能只会让自己离财务自由更远。所以,从理财的初级阶段开始,就要培养一些较好的理财习惯,比如记账、强制储蓄、预留应急资金等。这些习惯从表面上看,似乎不能直接让自己实现财务自由,但随着时间推移,这些习惯的作用就会慢慢凸显,省钱、护钱都是通过这些习惯达成的。
4、不懂资产配置
除了上述的那些理财好习惯,学会资产配置同样很重要。比如用部分资金配置固定收益类产品,实现财富的稳步增长;再用一小部分资金配置股票、基金等产品,争取更高的收益。通过分散投资的方式,来降低投资风险。如果不懂资产配置,可以多看看相关的书籍和文章,并从配置货币型基金、基金定投等做起,逐步了解各类投资品,并找到最适合自己的投资方式。
5、负债过高
适当负债可以周转资金,并给自己创造出更多的财富来。但业内专家指出,如果负债过高,别说财务自由了,能不能尽快将债务还清都是个问题。因此,控制债务是很有必要的。应尽早将不良负债还清,并依个人实际情况偿还良性负债。但这边需要指出一点的是,不要以债还债,这是最不划算的还债方式。
综上,在实现财务自由的路上会存在很多问题和障碍,但只要解决,就能离财务自由更近一步!
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