有哪些現(xiàn)實可行的方法可以讓人在5年內(nèi)變得富有?我現(xiàn)在25歲,希望在30歲時賺到20萬美元左右,我有哪些選擇?(二)
What are some realistic ways to get rich in 5 years? I'm 25 now and want to hit around 200k USD by the age of 30. What are my options?譯文簡介
網(wǎng)友:如果你想在5年內(nèi)變得富有,看看你目前的財務(wù)狀況并制定一個改善它的計劃是很重要的。如果你負(fù)債,那么你的第一步應(yīng)該是還清你的債務(wù),接下來,你會想要開始為退休和應(yīng)急基金存錢,最后,開始投資那些可能獲得更高回報的股票或債券。
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You may think that there’s no money to be made in digital publishing, but think again.
The digital publication of e-books, digital magazines, and the development of digital libraries and catalogues are all examples of electronic publishing. It also has an editorial component, which entails editing books, journals, or periodicals that are primarily intended to be read on a digital device.
Selling books online is how Amazon started at first, but today, everybody is carrying a ton of e-books and audio books in their smartphone.
When you think about it, who doesn’t read books, including young kids? In fact, some kids have more books than grown-ups.
Digital publishing is a multi-million dollar industry. Typical digital publishing businesses make 7-figures a year or more.
4. 數(shù)字出版
你可能認(rèn)為數(shù)字出版沒什么錢賺,不,請你再想想。
電子圖書的數(shù)字出版、數(shù)字雜志、數(shù)字圖書館和目錄的開發(fā)都是電子出版的典型例子,它還有一個編輯的部分,編輯書籍,期刊或雜志,主要用于數(shù)字設(shè)備閱讀。
在網(wǎng)上賣書是亞馬遜最初的起點,但是今天,每個人都在他們的智能手機(jī)中攜帶著大量的電子書和有聲書籍。
仔細(xì)想想,現(xiàn)在還有誰不讀書?包括小孩子,有些孩子的書甚至比大人的還多。
數(shù)字出版是一個價值非常高的產(chǎn)業(yè),典型的數(shù)字出版業(yè)務(wù)一年的收入達(dá)到或超過7位數(shù)。
原創(chuàng)翻譯:龍騰網(wǎng) http://www.top-shui.cn 轉(zhuǎn)載請注明出處
According to Statista, there are 3.8 billion smartphone users in the world today, which means 48.16 percent of the world population owns a smartphone, compared to 2 billion computers including servers, desktops, and laptops.So, naturally, where do you think the most money will be made?
Smartphones of course. Smartphones don’t use a web browser natively, which means the best way to access a smartphone is via a mobile App.
And what do you think these 3.8 billion smartphone users will be demanding?
They'll be looking for smartphone apps to assist them manage their daily lives or play video games to kill time. To develop a smartphone app, you can either do it yourself if you know how to code, or you can work with a software developer to develop your app if you don't have coding skills.
A typical smartphone app can earn upwards of 7-figures a year.
5. 移動APP
根據(jù)Statista的數(shù)據(jù),目前世界上有38億智能手機(jī)用戶,這意味著世界人口的48.16%擁有智能手機(jī),而包括服務(wù)器、臺式機(jī)和筆記本在內(nèi)的電腦有20億。
所以,自然而然地,你認(rèn)為哪里能賺到最多的錢?
當(dāng)然是智能手機(jī)。
智能手機(jī)本身不使用網(wǎng)絡(luò)瀏覽器,這意味著訪問智能手機(jī)的最佳方式是通過移動APP。
你認(rèn)為這38億智能手機(jī)用戶的需求是什么?
他們會尋找智能手機(jī)APP來幫助他們管理日常生活或玩視頻游戲來消磨時間,要開發(fā)一個智能手機(jī)APP,如果你知道如何編碼,你可以自己做,或者如果你沒有編碼技能,你可以與軟件開發(fā)商合作開發(fā)你的應(yīng)用程序。
一個典型的智能手機(jī)APP一年的收入可以達(dá)到7位數(shù)以上。
According to ChatBot expert, Murray Newlands, “Whereas ten years ago, every firm needed a website, and five years ago, every company needed an app, now every company needs to embrace messaging with AI and chatbots,”
What’s a Chatbot?
A chatbot is artificial intelligence (AI) software that can imitate a natural language discussion (or chat) with a user via messaging apps, websites, mobile apps, or the telephone.
Creating chatbots may appear difficult, but with tools like ManyChat, Chattypeople, and Chatfuel, you can quickly build a Facebook bot without any prior coding experience.
Chatbots can improve efficiency, enhance user experience, and generally, cut operational costs by up to 80%, so you can see where businesses are going and the opportunity that awaits you in this new technology.
6. 聊天機(jī)器人和人工智能
根據(jù)聊天機(jī)器人專家莫里紐蘭茲的說法,“十年前,每個公司都需要一個網(wǎng)站,五年前,每個公司都需要一個移動應(yīng)用,現(xiàn)在每個公司都需要使用人工智能和聊天機(jī)器人來發(fā)送信息?!?br /> 什么是聊天機(jī)器人?
聊天機(jī)器人是一種人工智能(AI)軟件,可以通過消息應(yīng)用、網(wǎng)站、移動應(yīng)用或電話模仿用戶的自然語言討論(或聊天)。
創(chuàng)建聊天機(jī)器人可能看起來很困難,但是使用像 ManyChat、 Chattypeople 和 Chatfuel 這樣的工具,你可以在沒有任何編程經(jīng)驗的情況下快速構(gòu)建一個 Facebook 聊天機(jī)器人。
聊天機(jī)器人可以提高效率,增強(qiáng)用戶體驗,并且通??梢越档透哌_(dá)80% 的運營成本,所以你可以看到企業(yè)的發(fā)展趨勢以及這項新技術(shù)中等待你的機(jī)會。
No doubt you’ve heard about Bitcoin and Ethereum, the two foremost cryptocurrencies ruling cyberspace. The technology underlying this new phenomenon is known as Blockchain.
Blockchain is a method of storing data that makes it difficult (if not impossible), to alter, hack, or trick the system. Blockchain is a sort of distributed ledger technology in which transactions are recorded using a hash, which is an immutable cryptographic signature.
However, cryptocurrency is not the only application for blockchain technology.
Blockchain technology is also used for the following applications:
Secure sharing of medical data
Control NFT marketplaces
Enable music royalties tracking
Secure cross-border payments
Real-time IoT (Internet of Things)
Operating systems
Personal identity security
Anti-money laundering tracking systems
Supply chain and logistics monitoring,
Any application that requires solid security.
Basically, blockchain technology is the biggest thing since the invention of the Internet, and blockchain applications will be in high demand.
As you can see, you can make a ton of money developing blockchain applications. At Silicon Valley in California, new blockchain techs are sprouting up almost on a daily basis, so we can conclude that this could be the new gold rush.
7. 區(qū)塊鏈
毫無疑問,你一定聽說過比特幣和以太坊,這是統(tǒng)治網(wǎng)絡(luò)空間的兩種最重要的加密貨幣,這種新現(xiàn)象背后的技術(shù)被稱為區(qū)塊鏈。
區(qū)塊鏈?zhǔn)且环N存儲數(shù)據(jù)的方法,它使得改變、入侵或欺騙系統(tǒng)變得非常困難(甚至不可能),區(qū)塊鏈?zhǔn)且环N分布式記賬技術(shù),其中交易使用哈希值記錄,這是一種不可改變的加密簽名。
然而,加密貨幣并不是區(qū)塊鏈技術(shù)的唯一應(yīng)用。
區(qū)塊鏈技術(shù)也用于以下應(yīng)用:
· 醫(yī)療數(shù)據(jù)的安全共享
· 控制非功能性交易平臺
· 跨境支付安全
· 實時物聯(lián)網(wǎng)
· 操作系統(tǒng)
· 個人身份安全
· 反洗錢追蹤系統(tǒng)
· 供應(yīng)鏈和物流監(jiān)控
· 任何需要可靠安全性的應(yīng)用
基本上,區(qū)塊鏈技術(shù)是自互聯(lián)網(wǎng)發(fā)明以來最大的事情,區(qū)塊鏈應(yīng)用將有很大的需求。
正如你所看到的,你可以通過開發(fā)區(qū)塊鏈應(yīng)用賺大錢,在加利福尼亞的硅谷,新的區(qū)塊鏈技術(shù)幾乎每天都在涌現(xiàn),所以我們可以得出結(jié)論,這可能是新一波的淘金熱。
This is cliché. Ok, although you think you know affiliate marketing, what you don’t know is that this is the biggest Internet business model of all time.
Numbers don’t lie – right?
The following are numbers by Statista – a reputable research firm based in Hamburg, Germany:
[Affiliate Marketing spending in the United States from 2010 to 2022]
[The statistic shows the affiliate marketing spending in the United States from 2010 to 2022 in billions of dollars. Notice the growth curve is consistent over the years, but seems to take off from 2021 onwards.]
By definition, affiliate marketing is a simple business model where a website publisher (affiliate), generates leads to an advertiser (merchant), for purposes of promoting a brand, growing a business, or generating sales.
This definition may seem simple, but companies, agencies, and individual savvy internet marketers generate millions of dollars each year doing just this.
What’s the big deal about affiliate marketing?
Zero barriers to entry. You don’t have to pour in millions of dollars to start, and it doesn’t matter whether you’re a student or a grandma. All you need is a computer, laptop, or a smartphone with an Internet connection.
There’s no inventory involved. You don’t have to deal with thousands of angry customers who haven’t received their goods because they were delayed while being shipped from China.
You can start from zero, with little or no capital (I mean it!)
You can automate almost every aspect of it. Savvy internet marketers can use AI software to automate everything, leaving the entire thing in the hands of software, and just live like kings.
Now that you know the benefits what’s the catch?
There’s no catch once you understand Internet marketing and all its nitty-gritty marketing techniques like copywriting, SEO, email marketing, social media marketing, native Ads, media buys, PPC, Google Ad campaigns, Facebook Ad campaigns, and a host of other marketing techniques.
Affiliate marketing is a 7 – 8 figure per year Internet business model.
8. 聯(lián)盟營銷利基網(wǎng)站
這是老生常談了,好吧,雖然你認(rèn)為你了解聯(lián)盟營銷,但你不知道的是,這是有史以來最大的互聯(lián)網(wǎng)商業(yè)模式。
數(shù)字是不會說謊的,對嗎?
以下是Statista的數(shù)字(一家位于德國漢堡的著名調(diào)研公司)
2010年至2022年美國的聯(lián)盟營銷支出
該統(tǒng)計數(shù)字顯示了2010年至2022年美國的聯(lián)盟營銷支出,單位為十億美元,請注意,增長曲線多年來是穩(wěn)定的,但似乎從2021年開始開始上升。
根據(jù)定義,聯(lián)盟營銷是一種簡單的商業(yè)模式,在這種模式下,網(wǎng)站發(fā)布者(聯(lián)盟)為廣告商(商家)提供線索,以推廣品牌、發(fā)展業(yè)務(wù)或產(chǎn)生銷售。
這個概念可能看起來很簡單,但是公司、代理機(jī)構(gòu)和精明的個人互聯(lián)網(wǎng)營銷人員每年僅靠這個就能產(chǎn)生數(shù)百萬美元的收入。
聯(lián)盟營銷有什么大不了的?
· 零門檻
你不必傾注數(shù)百萬美元來起步,無論你是一個學(xué)生還是一個老奶奶,都沒有關(guān)系,你所需要的只是一臺電腦、筆記本,或一部有互聯(lián)網(wǎng)連接的智能手機(jī)。
· 無庫存
你不必應(yīng)付成千上萬的憤怒的顧客,比如沒有收到貨啦:因為他們從中國發(fā)貨的商品被延誤了。
你可以從零開始,幾乎沒有本錢(我是說真的!)
你可以把它幾乎每一個方面都自動化,精明的互聯(lián)網(wǎng)營銷人員可以使用人工智能軟件來實現(xiàn)一切自動化,把整個事情都交給軟件來處理。
現(xiàn)在你知道它的好處了,那怎樣去抓住這些好處帶來的賺錢機(jī)會呢?
一旦你了解了互聯(lián)網(wǎng)營銷及其各種細(xì)節(jié)化的營銷技巧,如文案寫作、搜索引擎優(yōu)化、電子郵件營銷、社會媒體營銷、本地廣告、媒體購買、PPC、谷歌廣告活動、Facebook廣告活動,以及其他一系列營銷技術(shù),你就可以輕松上手。
聯(lián)盟營銷是一種每年可帶來7-8位數(shù)收入的互聯(lián)網(wǎng)商業(yè)模式。
If you are looking to get rich in 5 years, it is important to look at your current financial situation and make a plan to improve it. If you are in debt, then your first step should be to pay off your debts. Next, you will want to start saving money for retirement and emergency funds. Finally, start investing in stocks or bonds that have the potential for higher returns.
如果你想在5年內(nèi)變得富有,看看你目前的財務(wù)狀況并制定一個改善它的計劃是很重要的。
如果你負(fù)債,那么你的第一步應(yīng)該是還清你的債務(wù),接下來,你會想要開始為退休和應(yīng)急基金存錢,最后,開始投資那些可能獲得更高回報的股票或債券。
Getting rich in 5 years starting from zero isn't easy to do. However, that depends on your definition of rich. Since your definition is $200k, that's very achievable. I'm sure many people reading this will assuming being rich means having millions of dollars, I know I do, in which case, achieving that in 5 years is a bit hard.
When people say they want to be rich, not all of them mean they want to have tons of money. For many people, what they really want is time freedom. They want to have enough money where they don't need to work. If you want tons of money, millions, 5 years isn't realistic, it's certainly possible, but not realistic. It's hard enough for someone starting with $100k to get "rich" let alone starting from zero.
But it's not impossible. Here are 2 books I think will help: The Millionaire Fastlane
and Early Retirement Extreme
For those who really want time freedom or the ability to retire, the truth is, you don't have to necessarily be rich; you only need to produce the right type of income.
5年內(nèi)從零開始變得富有并不容易,然而,這取決于你對“富有”的定義。
既然你的定義是20萬美元,那就很容易實現(xiàn),我相信很多讀這篇文章的人都會認(rèn)為富有意味著擁有數(shù)百萬美元,我就是這樣認(rèn)為的,在這種情況下,5年內(nèi)實現(xiàn)這個目標(biāo)有點困難。
當(dāng)一個人說他們想變得富有,并不意味所有的人都想要很多錢,對許多人來說,他們真正想要的是時間自由,他們希望有足夠的錢,不需要工作,如果你想要賺幾百萬,甚至數(shù)不清的錢,五年是不現(xiàn)實的,這當(dāng)然是可能的,但是不現(xiàn)實。
對于一個從10萬美元起步的人來說,要“發(fā)財”已經(jīng)夠難的了,更不用說從零開始了。
但這并非不可能,我認(rèn)為以下兩本書會有所幫助: 《百萬富翁速成》《極限前退休》
對于那些真正想要時間自由或有能力退休的人來說,事實是,你不一定非要富有,你只需要創(chuàng)造合適的收入類型。
You see, most people trade in their time for money. Meaning, if they stop putting in the time, the money stops coming in. Take the typical person who works 40 hours a week and gets paid by the hour. If he works, he gets paid. If he doesn't work, he won't get paid. Simple enough.
For these people, in order to retire and not have to work, they have to make and save up enough money to last the rest of their life. The younger they are, the more they will need to have in order to retire. This is why most people can't retire until they're much older. Either they will have enough money or they will have less years left of life.
工作收入
你看,大多數(shù)人用他們的時間來交換金錢,也就是說,如果他們停止投入時間,錢也就停止流入了。
以一個典型的每周工作40小時,按小時計酬的人為例,如果他工作,他就能得到報酬,如果他不工作,他就得不到報酬,很簡單。
對這些人來說,為了退休而不必工作,他們必須掙足夠的錢并存起來以度過余生,他們越年輕,退休所需的錢就越多,這就是為什么大多數(shù)人直到年紀(jì)很大才能退休的原因,要么他們有足夠的錢,要么他們只剩下不多的歲月。
In order to have the option to not work and retire early, you need passive income. This is income where you no longer have to put in work to earn money.
For example, the interest you get in your savings account is passive income. You don't have to do a thing and you can still make money, albeit a very small amount.
Other examples include stock dividends, royalties from songs and books, businesses that can operate without your involvement, rentals (assuming you hire a property management company to do everything for you), and so on.
What most of these sources of income have in common is once you put the work in to set them up, you can step away and they will continue to produce money for you.
被動收入
為了能夠選擇不工作和提前退休,你需要被動收入,這是一種你不再需要通過工作來賺錢的收入。
例如,你在儲蓄賬戶中獲得的利息就是被動收入,你不需要做任何事情,你仍然可以賺錢,盡管數(shù)額很小。
其他例子包括股票紅利、歌曲和書籍的版稅、可以在沒有你參與的情況下運營的企業(yè)、租金(假設(shè)你雇傭了一家物業(yè)管理公司為你做一切事情)等等。
這些收入來源的共同點是,一旦你投入去建立它們,你就可以放手不管,它們將繼續(xù)為你創(chuàng)造財富。
Many people think they need millions to retire and if all they have is working income, then they're probably right. However, if you have enough passive income to cover all of your expenses, technically, you can retire even if you only had a few thousand dollars in the bank.
If you can create enough monthly passive income where it surpasses your monthly expenses, you're pretty much set.
Of course, the reality is, your income sources can sometimes dry up. This means, to be on the safe side, you will need to make a few times more than your expenses in passive income.
財務(wù)自由并不需要多富有
許多人認(rèn)為他們需要幾百萬才能退休,如果他們只有工作收入,那么他們可能是對的,然而,如果你有足夠的被動收入來支付你所有的開銷,你也可以退休,即使你在銀行里只有幾千美元。
如果你能創(chuàng)造足夠的月度被動收入,使其超過你的月度支出,你也差不多成功了。
當(dāng)然,現(xiàn)實是,你的收入來源有時會枯竭,這意味著,為了安全起見,你需要賺取比被動收入多幾倍的收入。
Since we're assuming you're starting from zero, starting up a traditional brick and mortar business is probably out of the question unless you want to take a loan out and have someone to cosign.
My advice, maybe look into starting some sort of online business. If you want to learn how, here are a bunch online courses on Udemy
that you can take that will teach you specific ways to make money online such as sourcing and selling products on popular E-commerce sites like Amazon and Alibaba, creating apps, writing and publishing books on Amazon, affiliate marketing, investing, selling photos, creating websites, and a bunch of other ways.
$200k goal, 5 years is very doable.
A lot can happen in 5 years. If you want to achieve financial freedom, it can happen 5 years from now if you take massive action. Having millions of dollars in 5 years on the other hand, is a bit tough. It will likely mean taking bigger risks. Realistically, if that's your goal, I'd push the timeline out a bit further if you're starting from zero.
But the $200k goal, 5 years is very doable.
學(xué)會創(chuàng)造被動收入
因為我們假設(shè)你從零開始,因此,除非你想貸款并有人擔(dān)保,否則啟動一個傳統(tǒng)的實體店業(yè)務(wù)是太不可能的。
我的建議是,也許可以考慮開展一些網(wǎng)上業(yè)務(wù),如果你想學(xué)習(xí)怎么做,這里有一些關(guān)于 Udemy 的在線課程,你可以參加這些課程,學(xué)習(xí)在網(wǎng)上賺錢的具體方法,如在亞馬遜和阿里巴巴等流行的電子商務(wù)網(wǎng)站上采購和銷售產(chǎn)品,創(chuàng)建應(yīng)用程序,寫作和出版亞馬遜的書籍,聯(lián)盟營銷,投資,銷售照片,創(chuàng)建網(wǎng)站和一系列其他方式。
5年內(nèi)可以發(fā)生很多事情,如果你想實現(xiàn)財務(wù)自由,如果你采取大量行動,5年后是能實現(xiàn)的,另一方面,在5年內(nèi)賺百萬美元可能會有點困難,這可能意味著要承擔(dān)更大的風(fēng)險,現(xiàn)實地說,如果這是你的目標(biāo),如果你從零開始,我會把時間線推得更遠(yuǎn)一些,5年20萬美元的目標(biāo),是非??尚械摹?/b>
I feel like a lot of people responded well to the question, but didn't take much of the comment into account - you want to have around $200k (I assume in disposable income) in 5 years. You want to acquire this money with a "common job".
So instead of making the most money we are concerned about something far healthier: reaching a goal.
我覺得很多人對這個問題的回答都很好,但很多人沒有把這一點考慮進(jìn)去——你想在5年內(nèi)得到大約20萬美元(我假設(shè)是可支配收入),你想通過一份“普通工作”賺到這筆錢。
因此,我們關(guān)注的不是賺最多的,而是為了更健康的事情:達(dá)到目標(biāo)。
When it comes to reaching your goal you're going to want to take stock of the things that you want to do on the journey. Be realistic. I prefer energy drinks in the mornings, I like to go and see family every couple of months, I want really good internet for gaming, I don't like cooking for myself... these are all things to consider.
The idea is that you realistically represent yourself so that you can understand the kinds of expenses you're likely going to be dealing with over time. Don't lower the quality you are comfortable living at or you'll spend the 5 years annoyed at your goal rather than working happily towards it.
第一步:確定你可以接受的最低生活質(zhì)量(QOL)
當(dāng)談到達(dá)成目標(biāo)時,你會想要評估一下你在這個過程中想要做的事,要現(xiàn)實一點,我喜歡早上喝能量飲料,喜歡每隔幾個月去看望家人,我希望有非常好的網(wǎng)絡(luò)來玩游戲,我不喜歡自己做飯......這些都是需要考慮的事情。
這其中的想法是,你實際上代表著自己,這樣你才可以了解隨著時間的推移,你可能要處理的各種費用,不要降低你所適應(yīng)的生活質(zhì)量,否則你會在這5年中為你的目標(biāo)而苦惱,而不是愉快地朝著它努力。
There are numerous jobs that pay relatively well. Because we have a 5 year span and a $200,000 goal we know we're going to need to be netting $40,000 per year after all expenses and taxes. I would recommend doubling that number, giving us a solid starting point of $80,000.
Now we need to find "common jobs" that pay in this range. $80,000 comes out to roughly $40/hour. To fill this kind of figure, you're likely going to need to look into some sort of trade or technical job. At this point, it really comes down to your education and experience as to what jobs are available to you.
第二步: 確定一些你可以勝任的 "普通工作"
有許多工作收入相對較高,而我們的目標(biāo)是5年的跨度和20萬美元,我們知道我們需要在扣除所有費用和稅收后每年凈賺4萬美元,我建議將這個數(shù)字翻一番,給我們一個堅實的起點,即8萬美元。
現(xiàn)在我們需要找到這個范圍內(nèi)的“普通工作”,8萬美元大約是每小時40美元,為了填補(bǔ)這個數(shù)字,你可能需要調(diào)查一些貿(mào)易或技術(shù)方面的工作,在這一點上,真正的問題在于你的教育背景和經(jīng)驗,以及你能找到什么樣的工作。
Now that you've decided what kind of job you want to position yourself for it's time to consider expenses more closely. With a job actually in mind you can begin looking into the location you'll want to live and factor expenses accordingly. Take things like rental costs, transportation (car or public), and all your QOL items into account. Work out your monthly expenses and from there extrapolate into annual expenses.
This is important because it helps you actually break down your expenses rather than getting lost looking at a particular salary figure too hard. This is a common mistake many novice programmers make - many see the high salary figures being offered in locations like San Francisco and make the mistake of applying those salary figures to their current expenses rather than adjusting accordingly. Going from a $25k income to a $100k income sounds amazing... until your rent suddenly increases tenfold. However, other things like transportation may decrease if you currently drive and consider taking public transit in a city.
第三步:開始考慮開支
現(xiàn)在你已經(jīng)決定了你要給自己定位什么樣的工作,是時候更仔細(xì)地考慮開支了,有了實際的工作,你就可以開始考慮你想住的地方,并考慮相應(yīng)的費用,把諸如租金、交通(汽車或公共交通工具)和所有你生活質(zhì)量相關(guān)的項目都考慮在內(nèi),計算出你的月度開支,并依此推算出年度開支。
這一點很重要,因為它可以幫助你真正地分解你的開支,而不是在某個特定的工資數(shù)字前迷失方向,這是許多新手程序員常犯的錯誤——許多人看到舊金山等地提供的高薪數(shù)字,并錯誤地將這些工資應(yīng)用于他們目前的支出,而沒有進(jìn)行相應(yīng)調(diào)整,2.5萬美元的收入到10萬美元的收入,聽起來很不可思議......直到你的房租突然增加10倍,如果你目前開車出行,你可以考慮在乘坐公共交通工具,像交通出行這類費用可能就會減少。
原創(chuàng)翻譯:龍騰網(wǎng) http://www.top-shui.cn 轉(zhuǎn)載請注明出處
Now it's time to take your salary figure and deduct taxes from it. After taxes, an $80,000 salary looks closer to just shy of $60,000. There are various calculators that will do most of this for you, but your tax situation is your own.
After you have your post-tax salary, start deducting those expenses. Remove your year's rent, insurances, estimated meal/entertainment costs, etc. Remember to use the figures provided for where you'll be living - this includes doing some research on how even something as silly as a cup of coffee may change in price!
Deduct all these expenses from your post-tax salary to arrive at your take-home figure. This is how much you'll be able to sock away towards your $200,000 goal. If the number isn't over $40,000 then it's time to scrap this particular job and look at another.
第四步: 確定你的實際收入數(shù)字
現(xiàn)在是時候拿出你的工資數(shù)字并從中扣除稅款了,扣除稅后,8萬美元的年薪實際收入差不多接近6萬美元的樣子,有各種各樣的計算器可以幫你完成大部分的工作,但是你的稅收情況只有你自己清楚。
在你拿到稅后工資后,開始扣除這些費用,除去當(dāng)年的租金、保險費、預(yù)計餐費/娛樂費等,記住要用你居住地所在的數(shù)字,這包括做一些研究,即使像一杯咖啡這樣愚蠢的東西也可能價格完全不同!
從你的稅后工資中扣除所有這些費用,得出你的實得數(shù)字,最后才是你為20萬美元目標(biāo)實際存下的錢,如果這個數(shù)字不超過40,000美元,那么是時候放棄這份工作,換一份工作了。
What if a job is in an industry you don't currently have experience in? What if it's a specialized trade and will require schooling and/or apprenticeship? Can you deal with some of these factors and still reach your goal?
If you require additional education/experience to get a job remember to adjust your goal accordingly: where you may have had 5 years you may need six months of education and job hunting to get a job - you now have 4.5 years and should adjust accordingly. As well, supplemental education will have costs associated with it and those should be considered against your goal (i.e. if the school costs $5000 your new target number is $205,000 to account for the cost).
可選步驟: 考慮其它因素
如果一份工作是在一個你目前還沒有經(jīng)驗的行業(yè),那該怎么辦?如果這是一個特殊的行業(yè),需要學(xué)歷或?qū)W徒經(jīng)歷怎么辦?你能處理好其中的一些因素并且仍然達(dá)到你的目標(biāo)嗎?
如果你需要額外的教育/經(jīng)驗來獲得一份工作,記得相應(yīng)地調(diào)整你的目標(biāo):
你有5年的時間,但你可能需要6個月的時間接受教育培訓(xùn)和找工作——你現(xiàn)在剩下4.5年的時間,所以應(yīng)該相應(yīng)地做出調(diào)整,另外,補(bǔ)充教育也會有相關(guān)的費用,這些費用應(yīng)該按你的目標(biāo)做出相對應(yīng)的調(diào)整 ( 即如果學(xué)費是5000美元,那么你的新目標(biāo)數(shù)字是205,000美元)。
Once you have a routine in place see if there are ways you can operate a business on the side to increase your income. Things such as mentoring others in your present field or starting a hobby shop can be a way of producing some extra income to help offset some of your expenses. Just remember to apply the above to the adjustments you'll be making to your income (additional income will be taxed, for example) and be sure not to do anything that would contribute to burnout.
可選步驟: 副業(yè)
一旦你有了日常工作,看看是否有辦法通過副業(yè)來增加你的收入,諸如在你目前的領(lǐng)域指導(dǎo)他人或開辦一個業(yè)余商店,都是能產(chǎn)生額外收入的方式,可以幫助抵消你的一些開支,不過要記住要依此你的收入進(jìn)行的調(diào)整(例如,額外的收入將被征稅),并且確保不要做任何會導(dǎo)致精疲力竭的事情。
原創(chuàng)翻譯:龍騰網(wǎng) http://www.top-shui.cn 轉(zhuǎn)載請注明出處
Investing your money is a great way to get more out of it. In my opinion, you should first invest in yourself (get any education/experience to perform your job and be compensated well for it), pay off debts , then invest safely (bonds and blue-chip stocks, preferably).
可選步驟: 投資
投資是一個獲得更多收益的好方法,在我看來,你應(yīng)該首先對自己進(jìn)行投資(獲得教育/經(jīng)驗來完成你的工作,并因此獲得良好的報酬),償還債務(wù) ,然后進(jìn)行安全的投資(最好是債券和藍(lán)籌股)。