Ten tips to help you save millions of dollars in retirement!-pppd-175

Ten tips to help you save millions of dollars in retirement! Tencent financial news, according to "Entrepreneur" reported, earn less than spend, especially when you start to make more money, you become a millionaire is only half the distance. When asked if you want to be a millionaire, I’m afraid all of you will say, "think."". But for many people, this may be a fantastic thing. But the fact is, if you start to master these ten skills, then becoming a millionaire is not as difficult as you think. 1. make realistic plans. You want to lose 20 pounds, and you want to start a company or become a millionaire. Saying is one thing, doing is another thing. What you should do is: sit down and work out a realistic plan to make these goals come true. Stewart Welch of the Welch group says, "written plans will force you to do something.". Figure out how much money you need to make and how you invest it. This plan is not just a goal, it carries everything – dreams, goals, and options. The options are for vision planning – all ways that can help you accomplish your goals – Open Ross’s IRA Account and participate in the 401 (k) retirement plan." You need to know what’s important to you, and then set the right numbers to accomplish your goals. 2. it should be an obvious thing to start investing now. But you might be surprised why there are so many people who don’t start investing until they’re more than 30, more than 40, and even more than 50. If you want to start saving money when you’re younger, you’ll have more time to realize the millionaire dream. For example, a 25 year old young man, 405 dollars per person, an average annual return of 7%, and by the age of 65, he had saved 1 million dollars. But if he can save more money every month, he can become a millionaire before he retires. 3. forced deposit, if you can’t save it every month, you can gradually increase your pocket by mandatory deposit. For example, you can pay off your mortgage loans ahead of time. You have to keep in mind that it’s never too late to save enough for 1 million dollars. 4., be frugal, work hard, and enjoy the fruits of your labor. But how do you achieve your financial goals if you earn two cents a point? Frugality is actually a habit shared by millionaires. So, how did they do it? – live than you – try to save WAL-MART and Target have special offer goods supermarket shopping, don’t waste money on "get rich quick" plan – don’t use a credit card, pay cash – find a part-time job, so you can have a variety of sources of income – a sideline you 5. passionate about a variety of sources of income in the sideline, not what is easier than when yuho drivers or sell products on the Internet to do the part-time job. But why don’t you make more money by doing what you really like? Find your advantage and decide how much money this advantage can bring you. In addition, you have to be sure of yourself.

十大技巧帮你在退休前攒够百万美元!腾讯财经讯 据《Entrepreneur》报道,赚的比花的少,尤其是当你开始赚得更多时,你离成为百万富翁就只有一半的距离了。当被问及想不想成为百万富翁时,恐怕所有的人都会回答说“想”。但是,对于很多人来说,这可能是件异想天开的事情。但是,实际情况是,如果你开始掌握以下这十大技巧,那么成为百万富翁并不像你想象的那么难。1. 制定符合现实的计划你想要减掉20磅的体重,想要开公司或成为百万富翁。说是一回事,做又是一回事。你应该是做的是:坐下来,制定一项符合现实的计划,旨在让这些目标变成现实。Welch集团的Stewart Welch指出,“书面计划会强迫你做一些事情。计算一下你需要赚多少钱,以及如何投资。这个计划不仅仅是目标而已,它承载着一切——梦想、目标和选项。选项是对远景规划——可以帮你完成目标的所有途径——开通罗斯个人退休金账户,参与401(k)退休金计划。”你要知道什么对自己来说是重要的,然后设定正确的数字,以便完成自己的目标。2.现在开始投资这应该是一件很明显的事情。但是,你可能会很惊讶,为什么有那么多的人直至三十多岁、四十多岁,甚至是五十多岁才开始投资。如果你想要在自己较年轻时就开始有闲置资金,你就会有更多的时间来实现百万富翁梦。比如说,一个25岁的年轻人,每个人存405美元,年平均回报率为7%,到65岁时他存够了100万美元。但是,如果他每个月能存更多的钱,那么在退休之前就能成为百万富翁。3.强行性存款如果你每个月存不下来前,你可以通过强制性存款来让自己的腰包逐渐鼓起来。比如说,你可以提前还清自己的按揭贷款。你要牢记一点,为存够100万美元开始存钱,永远都不会晚。4. 要节俭你努力工作,并想要享受自己的劳动果实,这有情可原。但是,如果你赚一分花二分的话,又怎么能实现自己的财务目标?节俭实际上是百万富翁们共有的一种习惯。那么,他们是怎样做到的?•活得远比你节省•试着到沃尔玛和Target等有特价商品的超市购物•不要把钱浪费在“快速致富”的计划上•别刷信用卡,用现金支付•找一份兼职,这样你就会有多种收入来源•有一种副业5.把你的热情投入副业中谈到多种收入来源,没什么比当优步的司机或在网上卖产品更容易做的兼职了。但是,为什么不通过做你真正喜欢的事情来赚更多的钱呢?找到自己的优势,决定这个优势能给自己带来多少钱。此外,你还要确定自己的时间安排,对可能的市场进行一些调查。你或许或发现自己能够拥有一份可投入热情的副业。你的副业或兼职或许不会让你成为百万富翁,但是这种额外收入可以存入你的银行账户或退休账户。如此一来,你每个月就会有更多闲置资金。6. 投资价值型股票你想要像个吝啬鬼一样投资,为什么?复杂且富有经验的策略是昂贵的。因而,“有一种可以在不增加过度风险和成本的情况下提高回报率的方法,是增加所谓的价值型股票的持有”。价值型股票的表现,要比增长快速企业股票的好,而且这种股票的长期表现也非常好。7. 还清债务当你每年要还1000美元的信用卡利息时,百万美元目标的实现就会受阻。这就是为什么你要尽可能快地还清债务的重要原因。你要想方设法还清自己的债务。我们可以通过使用“债务雪球”策略来还清债务。这涉及到:•列出你的债务、债务总额、贷款利息或每个月还款数额•用Excel表格列出上述每一类,同时增加一栏——“最新支付”•在即将到期的贷款中,选出数额最小的,将这笔贷款列在表格最上方。将你的债务进行排列,由少至多•确定除每个月最低债务还款数额之外你愿意多还多少钱•在一笔贷款还清之后,继续按照表格的顺序继续还款,直至你还清所有债务一旦还清了债务,你就能开始处存钱了。8.自动化你的储蓄这实际上是非常明确的。设定好你的存钱占工资比,然后每个月自动划账。开始的时候,你可以把收入的2%或3%自动划入自己的401(k)退休金计划,或其他以雇主为基础的退休计划。然后,每年你可以将存款比例上调。9.提取免费钱不管你信不信,你可以把免费钱存到你的退休账户中。这些免费钱包括:通过接受雇主匹配的贡献金额,将你的401(k)退休金计划最大化•如果你或你的配偶没有401(k)退休金计划,创建配偶个人退休金账户•进行罗斯个人退休金账户分析,为的是能计算出将过去的个人退休金账户转换成罗斯个人退休金账户的成本•开一个健康储蓄账户保险账户,为的是你能把免费得来的钱存进医保花销•削减投资成本10.得到专业建议最后,找一个专业理财顾问,将有助于你尽早实现自己的百万富翁梦。理财顾问能给你投资建议,同时告诉你应该避免投资什么。根据Fidelity发布的数据,71%的百万富翁都聘请了理财顾问。相关的主题文章: