生活在您的财务手段中

生活在您的手段下是建立财富的最快方法

实际上,您应该生活在自己的手段之下!产生财富的最重要方法是生活在或低于您的手段。例如,如果您每年赚30,000美元,那么像您每年赚25,000美元一样生活,并节省,偿还债务或投资剩余的5,000美元。我的许多朋友的收入超过50,000美元,75,000美元甚至150,000美元,他们花费了他们所赚取的一切,几乎没有什么可展示的。不要试图与您的朋友或邻居竞争,不要毫无结果花钱,最重要的是,不要花更多的钱。Many people read this and think, “I’d love to spend less money but I can’t, I have to pay my car payment, the credit card bills, groceries, I need a vacation, I need new clothes for work, etc, etc.” Most of these expenses could be avoided or deferred (like a vacation, a car purchase or buying clothes). The other expenses (like your credit card expenses or mortgage) could likely have been avoided if you had lived within your means when you created the expense. For example, your car payment would be less if you’d opted for the used versus new car, or your credit card expenses would be lower if you hadn’t bought that new computer or those 5 pairs of shoes. Even your mortgage or rent could be less if you chose a different location to live. With that said, there is a fine line between spending appropriately and spending above your means. Just remember that it is always better to forego purchases until you can pay for them in cash rather than to borrow from the future to meet your needs now. The most common exception to this rule is buying a house. Although it will raise your cash expenses dramatically, it is often wise because 1) it’s an investment which will add to your future net worth, 2) the interest is tax deductible which effectively lowers your income tax liability, 3) your mortgage payments will add to your net worth as you pay down the principal on the loan, and 4) you were probably paying rent anyway so it will in effect turn your rent payment into an investment.

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