Ib tug yog 25-xyoo-laus Omar Ghias, uas pom tau tias ua tau $ 1.5 lab kwv yees thaum xyoo 2020-2021 npuas thiab tom qab ntawd poob tag nrho.
Lwm tus yog 28-xyoo-laus Jonathan Javier, uas tau qhia txog qhov kev pom zoo no: "Tam sim no kuv paub tus yuam sij kom tau txais txiaj ntsig yog kev yuav thaum cov khoom lag luam nyob rau ntawm tus nqi qis es tsis txhob yuav thiab 'cia siab' tias kuv yuav ua ib qho tau txais los ntawm nws. "
Lub ntsiab lus: "Kev Tawm Tsam Ntawm Cov Neeg Ua Lag Luam Ua Lag Luam."
Nyeem: Lub khw lag luam muaj kev nyab xeeb npaum li cas? Nws yog qhov txaus ntshai dua kom zam kev lag luam Tshuag.
Cov txiv neej no tsis yog ib leeg. Ib tiam ntawm cov tub ntxhais hluas uas yuav yog cov tub ua lag luam nyuam qhuav tau kub hnyiab heev los ntawm 2022 wipeout, uas tsoo tag nrho cov kev twv txiaj uas lawv tau ua si thaum xyoo 2020-2021 megabubble spurred los ntawm COVID lockdowns thiab tsoom fwv teb chaws cov nyiaj pub dawb bonanza.
Cryptocurrencies, nonfungible tokens, high-flying tech stocks, bankrupt meme stocks: Tsis muaj lub tswv yim yog ruam dhau mus nce hauv npuas. Thiab tam sim no cov khoom ntawd tau poob rov qab. Xim liab thiab kev nyuaj siab nyob ib puag ncig. Ghias muaj $51,000 nyob rau hauv nuj nqis thiab $6.99 tshuav nyob rau hauv nws checking account. Nws ua hauj lwm ntawm ib tug deli hauv Las Vegas.
Yog tias qhov no zoo li koj, ntawm no yog qee qhov xov xwm zoo.
Koj tuaj yeem saib koj qhov poob tsuas yog poob.
Los yog koj tuaj yeem saib lawv li, zoo, nqi kawm.
Ib qho kev kawm Ivy League MBA saum toj kawg nkaus yuav raug nqi koj $ 200,000 thiab hloov pauv.
Koj tau mus rau Wall Street. Koj tau them tus nqi. Thiab tam sim no koj tau kawm tiav nrog kev kawm.
Koj tuaj yeem saib cov nyiaj them nqi kawm ntawv ntawd tsis yog - lossis koj tuaj yeem muab koj cov kev paub tshiab los siv zoo.
Kuv tau dhau los ntawm qhov no ntau zaus ua ntej thiab kuv tau pom cov qauv tu siab ntawm cov neeg uas tau muab pov tseg tag nrho cov nqi kawm ntawv uas lawv them rau Wall Street. Lawv tau raug tshem tawm hauv qhov kev sib tsoo dotcom ntawm 2000-2003, lossis kev kub ntxhov nyiaj txiag ntawm 2007-2009, lossis qee qhov kev xav tau poob. Lawv poob nyiaj ntau heev. Thiab ces lawv swore tawm kev lag luam thiab nqis peev mus ib txhis.
Lawv hais rau kuv tias "Kuv yuav tsis kov lub khw muag khoom dua," lawv hais rau kuv. Hloov chaw, lawv khaws lawv cov nyiaj hauv txhab nyiaj hauv txhab nyiaj, qhov twg nws yog "kev nyab xeeb."
Thiab kuv tau paub sai heev tias kev sim hloov lawv lub siab yuav yog tag nrho kuv lub sijhawm. Ib zaug tom, mus ib txhis txaj muag.
Nws yog ib qho xwm txheej, vim lawv poob ob zaug. Lawv poob nyiaj lawv poob. Tom qab ntawd lawv poob tag nrho cov nyiaj uas lawv tuaj yeem ua tau yooj yim los ntawm kev siv cov lus qhia uas lawv tau kawm.
Zoo li: speculating tsis investing.
Zoo li: Lub khw lag luam tuaj yeem poob rau hauv ib xyoos twg, lossis txawm tias ob xyoos, lossis peb. Tab sis dhau sij hawm nws nce, thiab nce, thiab nce.
Zoo li: Zoo nkauj npaum li txhua tus neeg uas tau sib txawv lawv cov peev txheej, hla ntau cov khoom sib txawv thiab dhau sijhawm, tau yeej. Lub sijhawm loj.
Tsis ntseeg kuv? Xav txog ob tus neeg uas pib txuag 40 xyoo dhau los hauv lawv nruab nrab-20s thiab leej twg tab tom npaj los so haujlwm hauv lawv nruab nrab-60s.
Xav txog tias lawv tau khwv tau nyiaj ntau npaum li cas txhua xyoo: Cia peb hais tias lawv ob leeg tau txais cov nyiaj tau los nruab nrab hauv Teb Chaws Asmeskas. Thiab xav txog tias lawv tau txuag tau tib yam nyiaj txhua xyoo: Cia peb hais tias lawv tau txuag 5% ntawm lawv cov nyiaj tau los tag nrho.
Ib tug ntawm lawv khaws tag nrho lawv cov nyiaj nyob rau hauv Treasury bills los yog lub tsev txhab nyiaj, khwv tau ruaj khov thiab txhim khu kev qha thiab muaj kev nyab xeeb paj. Thiab lwm tus khaws lawv cov nyiaj hauv khw muag khoom, hauv qhov tho txawv S&P 500
SPX,
-1.15%
nyiaj.
Hnub no lawv nyob qhov twg?
Tus neeg uas khaws lawv cov nyiaj "kev nyab xeeb" hauv cov nqi lossis lub txhab nyiaj tam sim no muaj $ 125,000. Qhov ntawd yog raws li qhov tseeb keeb kwm rov qab los ntawm nruab nrab-1980s txog rau tam sim no.
Thiab lawv nyob nraum tej zaum xav tias zoo nkauj smug tom qab dodging xyoo tas los cov khoom lag luam poob qis. Lawv kuj tau hnov zoo nkauj smug hauv xyoo 2008 thiab 2009, thiab thaum ntxov 2000s, thiab thaum lub caij sib tsoo zoo kawg nkaus xyoo 1987.
Tus neeg uas khaws lawv cov nyiaj hauv khw muag khoom xwb? Hnub no lawv so haujlwm nrog $710,000. Tsis yog, tiag tiag. Ze li ntawm rau lub sij hawm ntau.
Cov kev ua haujlwm zoo li no puas yuav rov ua dua? Tsis muaj leej twg paub tseeb. Koj tuaj yeem sib cav, piv txwv li, tias 40 xyoo dhau los no feem ntau ua tau zoo heev rau US Tshuag lag luam. Txawm hais tias muaj kev sib tsoo thiab kev poob qis, peb tau muaj kev kub ntxhov hauv xyoo 1980, xyoo 1990 thiab xyoo 2010.
Tab sis kuv tau saib cov ntaub ntawv rov qab mus ua ntej Kev Nyuaj Siab Loj. Thiab thaum koj sib piv cov nqi xa rov qab ntawm cov khoom lag luam thiab cov nyiaj khaws cia luv luv (siv cov paj laum ntawm cov nqi Treasury), 40 xyoo dhau los tau zoo nkauj heev.
Tshaj li qhov nruab nrab 40 xyoo txij li xyoo 1920, ib tus neeg uas tau nqis peev tsis tu ncua hauv khw lag luam tau xaus nrog ntau dua 5 npaug ntawm cov nyiaj laus hauv cov nyiaj laus raws li ib tus neeg uas tau nqis peev nyiaj ntawd hauv cov nqi.
Txawm hais tias koj khaws koj cov nyiaj hauv 10-xyoo Nyiaj Txiag, uas muab txoj hauv kev zoo dua li koj yuav tau txais hauv cov nyiaj khaws cia, koj tsis ua qhov zoo dua rau lub sijhawm ntev. Tus neeg uas khaws lawv cov nyiaj hauv lub khw lag luam tau xaus nrog ntau tshaj 4 npaug ntawm koj.
Hauv qab kab? Yog tias koj poob nyiaj ntau npaum li cas xyoo tas los, koj tuaj yeem ua rau ntau yam tsis zoo los ntawm kev kawm cov lus qhia tsis raug, pov tseg koj daim ntawv pov thawj Wall Street thiab zaum tawm ntawm kev lag luam rau 40 xyoo tom ntej. Los yog koj tuaj yeem tso koj qhov kev mob siab, raug nqi ntau rau kev siv tau zoo.
Tau qhov twg los: https://www.marketwatch.com/story/ok-snowflake-how-to-retire-rich-evenif-you-just-got-wiped-out-11675782929?siteid=yhoof2&yptr=yahoo
Yuav ua li cas nyiaj laus nplua nuj - txawm tias koj nyuam qhuav raug tshem tawm
Cov phab ntsa Street Journal luam tawm ib tsab xov xwm dhau lub asthiv hais txog tag nrho cov xyoo txhiab xyoo thiab tiam Z "zoomers" uas tau khiav tawm ntawm kev lag luam tom qab tau tsoo hauv 2022 txoj kev.
Ib tug yog 25-xyoo-laus Omar Ghias, uas pom tau tias ua tau $ 1.5 lab kwv yees thaum xyoo 2020-2021 npuas thiab tom qab ntawd poob tag nrho.
Lwm tus yog 28-xyoo-laus Jonathan Javier, uas tau qhia txog qhov kev pom zoo no: "Tam sim no kuv paub tus yuam sij kom tau txais txiaj ntsig yog kev yuav thaum cov khoom lag luam nyob rau ntawm tus nqi qis es tsis txhob yuav thiab 'cia siab' tias kuv yuav ua ib qho tau txais los ntawm nws. "
Lub ntsiab lus: "Kev Tawm Tsam Ntawm Cov Neeg Ua Lag Luam Ua Lag Luam."
Nyeem: Lub khw lag luam muaj kev nyab xeeb npaum li cas? Nws yog qhov txaus ntshai dua kom zam kev lag luam Tshuag.
Cov txiv neej no tsis yog ib leeg. Ib tiam ntawm cov tub ntxhais hluas uas yuav yog cov tub ua lag luam nyuam qhuav tau kub hnyiab heev los ntawm 2022 wipeout, uas tsoo tag nrho cov kev twv txiaj uas lawv tau ua si thaum xyoo 2020-2021 megabubble spurred los ntawm COVID lockdowns thiab tsoom fwv teb chaws cov nyiaj pub dawb bonanza.
Cryptocurrencies, nonfungible tokens, high-flying tech stocks, bankrupt meme stocks: Tsis muaj lub tswv yim yog ruam dhau mus nce hauv npuas. Thiab tam sim no cov khoom ntawd tau poob rov qab. Xim liab thiab kev nyuaj siab nyob ib puag ncig. Ghias muaj $51,000 nyob rau hauv nuj nqis thiab $6.99 tshuav nyob rau hauv nws checking account. Nws ua hauj lwm ntawm ib tug deli hauv Las Vegas.
Yog tias qhov no zoo li koj, ntawm no yog qee qhov xov xwm zoo.
Koj tuaj yeem saib koj qhov poob tsuas yog poob.
Los yog koj tuaj yeem saib lawv li, zoo, nqi kawm.
Ib qho kev kawm Ivy League MBA saum toj kawg nkaus yuav raug nqi koj $ 200,000 thiab hloov pauv.
Koj tau mus rau Wall Street. Koj tau them tus nqi. Thiab tam sim no koj tau kawm tiav nrog kev kawm.
Koj tuaj yeem saib cov nyiaj them nqi kawm ntawv ntawd tsis yog - lossis koj tuaj yeem muab koj cov kev paub tshiab los siv zoo.
Kuv tau dhau los ntawm qhov no ntau zaus ua ntej thiab kuv tau pom cov qauv tu siab ntawm cov neeg uas tau muab pov tseg tag nrho cov nqi kawm ntawv uas lawv them rau Wall Street. Lawv tau raug tshem tawm hauv qhov kev sib tsoo dotcom ntawm 2000-2003, lossis kev kub ntxhov nyiaj txiag ntawm 2007-2009, lossis qee qhov kev xav tau poob. Lawv poob nyiaj ntau heev. Thiab ces lawv swore tawm kev lag luam thiab nqis peev mus ib txhis.
Lawv hais rau kuv tias "Kuv yuav tsis kov lub khw muag khoom dua," lawv hais rau kuv. Hloov chaw, lawv khaws lawv cov nyiaj hauv txhab nyiaj hauv txhab nyiaj, qhov twg nws yog "kev nyab xeeb."
Thiab kuv tau paub sai heev tias kev sim hloov lawv lub siab yuav yog tag nrho kuv lub sijhawm. Ib zaug tom, mus ib txhis txaj muag.
Nws yog ib qho xwm txheej, vim lawv poob ob zaug. Lawv poob nyiaj lawv poob. Tom qab ntawd lawv poob tag nrho cov nyiaj uas lawv tuaj yeem ua tau yooj yim los ntawm kev siv cov lus qhia uas lawv tau kawm.
Zoo li: speculating tsis investing.
Zoo li: Lub khw lag luam tuaj yeem poob rau hauv ib xyoos twg, lossis txawm tias ob xyoos, lossis peb. Tab sis dhau sij hawm nws nce, thiab nce, thiab nce.
Zoo li: Zoo nkauj npaum li txhua tus neeg uas tau sib txawv lawv cov peev txheej, hla ntau cov khoom sib txawv thiab dhau sijhawm, tau yeej. Lub sijhawm loj.
Tsis ntseeg kuv? Xav txog ob tus neeg uas pib txuag 40 xyoo dhau los hauv lawv nruab nrab-20s thiab leej twg tab tom npaj los so haujlwm hauv lawv nruab nrab-60s.
Xav txog tias lawv tau khwv tau nyiaj ntau npaum li cas txhua xyoo: Cia peb hais tias lawv ob leeg tau txais cov nyiaj tau los nruab nrab hauv Teb Chaws Asmeskas. Thiab xav txog tias lawv tau txuag tau tib yam nyiaj txhua xyoo: Cia peb hais tias lawv tau txuag 5% ntawm lawv cov nyiaj tau los tag nrho.
Ib tug ntawm lawv khaws tag nrho lawv cov nyiaj nyob rau hauv Treasury bills los yog lub tsev txhab nyiaj, khwv tau ruaj khov thiab txhim khu kev qha thiab muaj kev nyab xeeb paj. Thiab lwm tus khaws lawv cov nyiaj hauv khw muag khoom, hauv qhov tho txawv S&P 500
-1.15%
SPX,
nyiaj.
Hnub no lawv nyob qhov twg?
Tus neeg uas khaws lawv cov nyiaj "kev nyab xeeb" hauv cov nqi lossis lub txhab nyiaj tam sim no muaj $ 125,000. Qhov ntawd yog raws li qhov tseeb keeb kwm rov qab los ntawm nruab nrab-1980s txog rau tam sim no.
Thiab lawv nyob nraum tej zaum xav tias zoo nkauj smug tom qab dodging xyoo tas los cov khoom lag luam poob qis. Lawv kuj tau hnov zoo nkauj smug hauv xyoo 2008 thiab 2009, thiab thaum ntxov 2000s, thiab thaum lub caij sib tsoo zoo kawg nkaus xyoo 1987.
Tus neeg uas khaws lawv cov nyiaj hauv khw muag khoom xwb? Hnub no lawv so haujlwm nrog $710,000. Tsis yog, tiag tiag. Ze li ntawm rau lub sij hawm ntau.
Cov kev ua haujlwm zoo li no puas yuav rov ua dua? Tsis muaj leej twg paub tseeb. Koj tuaj yeem sib cav, piv txwv li, tias 40 xyoo dhau los no feem ntau ua tau zoo heev rau US Tshuag lag luam. Txawm hais tias muaj kev sib tsoo thiab kev poob qis, peb tau muaj kev kub ntxhov hauv xyoo 1980, xyoo 1990 thiab xyoo 2010.
Tab sis kuv tau saib cov ntaub ntawv rov qab mus ua ntej Kev Nyuaj Siab Loj. Thiab thaum koj sib piv cov nqi xa rov qab ntawm cov khoom lag luam thiab cov nyiaj khaws cia luv luv (siv cov paj laum ntawm cov nqi Treasury), 40 xyoo dhau los tau zoo nkauj heev.
Tshaj li qhov nruab nrab 40 xyoo txij li xyoo 1920, ib tus neeg uas tau nqis peev tsis tu ncua hauv khw lag luam tau xaus nrog ntau dua 5 npaug ntawm cov nyiaj laus hauv cov nyiaj laus raws li ib tus neeg uas tau nqis peev nyiaj ntawd hauv cov nqi.
Txawm hais tias koj khaws koj cov nyiaj hauv 10-xyoo Nyiaj Txiag, uas muab txoj hauv kev zoo dua li koj yuav tau txais hauv cov nyiaj khaws cia, koj tsis ua qhov zoo dua rau lub sijhawm ntev. Tus neeg uas khaws lawv cov nyiaj hauv lub khw lag luam tau xaus nrog ntau tshaj 4 npaug ntawm koj.
Hauv qab kab? Yog tias koj poob nyiaj ntau npaum li cas xyoo tas los, koj tuaj yeem ua rau ntau yam tsis zoo los ntawm kev kawm cov lus qhia tsis raug, pov tseg koj daim ntawv pov thawj Wall Street thiab zaum tawm ntawm kev lag luam rau 40 xyoo tom ntej. Los yog koj tuaj yeem tso koj qhov kev mob siab, raug nqi ntau rau kev siv tau zoo.
Tau qhov twg los: https://www.marketwatch.com/story/ok-snowflake-how-to-retire-rich-evenif-you-just-got-wiped-out-11675782929?siteid=yhoof2&yptr=yahoo