Cov kawm tiav qib siab nruab nrab muaj nuj nqis kwv yees li plaub npaug ntau dua li tus neeg pib tab sis tsis tau kawm tiav qib siab, thiab kwv yees li tsib npaug ntau dua ib tus neeg uas tsuas yog kawm tiav high school diploma.
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Qhov nruab nrab cov nuj nqis rau tsev neeg Asmeskas yog $ 748,000, tab sis cov neeg Asmeskas cov nyiaj nruab nrab ntawm cov nuj nqis qis dua - tsuas yog $ 121,700, raws li Kev Tshawb Fawb Txog Nyiaj Txiag tshiab tshaj tawm los ntawm Tsoom Fwv Teb Chaws Reserve hauv 2020 (daim ntawv tshaj tawm 2022 yuav tawm hauv 2023) . Ib qho tseem ceeb tshaj plaws hauv kev txiav txim siab tus nqi yog kev kawm. Qhov tseeb tiag, qhov nruab nrab kawm tiav qib siab muaj txiaj ntsig txog plaub npaug ntau dua li tus neeg pib tab sis tsis tau kawm tiav qib siab, thiab kwv yees li tsib npaug ntau dua li ib tus neeg uas tau kawm tiav high school xwb. Txoj xov zoo? Koj qhov txiaj ntsig tsis yog tag nrho txog kev kawm, thiab Asmeskas ntawm txhua qhov kev kawm thiab cov nyiaj tau los tuaj yeem txhawb nqa lawv cov kab hauv qab. Nov yog li cas.
Tus nqi nruab nrab, los ntawm qib kev kawm
| Kev kawm theem | Tus nqi nruab nrab | Median nuj nqis |
| Tsis muaj daim ntawv kawm tiav high school | $137,800 | $20,500 |
| Tsev kawm ntawv qib high school diploma | $305,200 | $74,000 |
| Qee cov kawm ntawv qib siab | $376,400 | $88,800 |
| Kev kawm qib siab | $1,519,900 | $302,200 |
Source: Tsoom Fwv Tebchaws Reserve
Dab tsi ntxiv, kev tshawb fawb 2019 tau ua by Lub Tsev Kawm Ntawv Qib Siab tau tshaj tawm tias, "Nyob rau hauv ib lub neej, thiab suav cov nqi ntawm kev tau txais daim ntawv kawm tiav, cov tib neeg uas kawm tiav qib siab tuaj yeem khwv tau txog $ 400,000 ntau dua li cov tib neeg uas kawm tiav high school."
Txawm hais tias tag nrho cov ntaub ntawv no zoo li txhais tau tias tsev kawm ntawv qib siab ib txwm muaj nqis, nws tsis yog ib txwm ncaj qha li ntawd. Qhov tseeb, 36% ntawm cov kawm tiav qib siab uas tau them cov tub ntxhais kawm qiv nyiaj hais tias kev txais cov tub ntxhais kawm qiv nyiaj tsis tsim nyog, raws li xyoo 2019. daim ntawv qhia los ntawm Merrill Lynch thiab Age Wave.
Thiab 2021 kev tshawb fawb los ntawm Georgetown University's Center on Education thiab Workforce pom ob peb yam txaus siab: Txog ib lub hlis twg ntawm cov kawm tiav high school tau txais ntau tshaj li tus neeg kawm tiav qib siab, thiab ib lub hlis twg ntawm cov neeg ua haujlwm nrog bachelor's degree khwv tau ntau dua ib nrab ntawm cov neeg ua haujlwm nrog tus tswv lossis ib tus neeg ua haujlwm. tus kws kho mob degree. Raws li tsab ntawv ceeb toom, "Kev kawm tsawg dua tuaj yeem tsim nyog ntau dua. Qee daim ntawv pov thawj them nyiaj ntau dua li qee tus neeg kawm qib siab, qee tus neeg kawm qib siab tau them ntau dua li qee qhov bachelor's degree, thiab qee qhov bachelor's degree ua rau cov nyiaj tau los ntau dua li qee qhov kev kawm tiav. "
Xav txog: “Associate's degree tuav uas kawm STEM khwv tau $60,000 ib xyoos twg. Qhov no yog ntau dua li cov neeg kawm tiav qib bachelor's degree uas tau kawm tiav hauv tib neeg thiab liberal arts, "ib 2018 CEW daim ntawv qhia pom. Lwm tus Piv txwv li: "Kev kawm txuj ci xav tau kev kawm tiav qib siab kom ua tiav cov nyiaj tau los nruab nrab ntawm tus neeg kawm tiav qib siab, xws li kev kos duab thiab kev xav thiab kev ua haujlwm loj."
Hauv lwm lo lus, yam koj kawm ua ib feem loj ntawm qhov koj yuav khwv tau npaum li cas tom qab koj kawm tiav. Lub Ob Hlis 2022 txoj kev tshawb no los ntawm Federal Reserve Bank of New York qhia tau hais tias qhov kev them nyiaj zoo tshaj plaws hauv tsev kawm qib siab rau cov kawm tiav tsis ntev los no suav nrog ntau yam kev kawm qib siab engineering, computer science thiab chaw muag tshuaj. Piv txwv li, cov tsev kawm qib siab uas them nyiaj tsawg tshaj plaws rau cov menyuam kawm ntawv tsis ntev los no suav nrog tsev neeg thiab cov neeg siv khoom siv sciences, kev tshawb fawb dav dav, kev ua yeeb yam, kev pabcuam kev sib raug zoo, kev tshawb fawb, kev kawm txog menyuam yaus, kev ntseeg thiab kev ntseeg, kev xav thiab kev ywj pheej.
Yuav ua li cas txhim kho koj cov nuj nqis tsis hais koj qib kev kawm
Qhov ntawd tau hais tias, muaj txoj hauv kev los kov yeej tsis kawm tiav high school lossis tsev kawm qib siab - lossis xaiv qhov loj uas tsis coj koj mus ua txhab nyiaj - thiab tseem tsim koj cov nuj nqis.
"Kuv qhov kev pom zoo tshaj plaws yog cia lub sijhawm ua haujlwm ntau li ntau tau los ntawm kev sib xyaw ua ke. Cov txheej txheem suav nrog kev txuag thiab nqis peev sai li sai tau, ntau npaum li qhov ua tau thiab tsis tu ncua raws li qhov ua tau, "hais tias tus kws npaj nyiaj txiag muaj ntawv pov thawj Bill Kan, tus tsim ntawm Candent Capital.
Saib cov nyiaj txuag siab tshaj plaws uas koj tuaj yeem tau txais tam sim no ntawm no.
Yog tias koj yuav txuag $ 50 toj ib lis piam rau 40 xyoo, pib thaum koj muaj 25 xyoos, koj yuav muaj $ 332,020 yog tias koj cov paj laum yog 5% txhua xyoo. Yog tias koj nqis peev $ 50 txhua lub lis piam rau 40 xyoo ntawm 7% rov qab, koj yuav muaj $ 572,510. Ntawm 9% rov qab los, koj qhov peev $ 50 txhua lub lim tiam yuav tau txais $ 1,025,112 tom qab 40 xyoo.
Lwm yam uas yuav tsum xav txog thaum lub hom phiaj yog txhawm rau nce koj cov nuj nqis, suav nrog kev sib txawv kom zoo los tswj kev pheej hmoo, ua kom cov nqi qis thiab muaj kev cia siab tsim nyog. "Qhov kev cia siab tsim nyog suav nrog qhov loj ntawm qhov rov qab los, thaum rov qab los thiab paub tias yuav muaj lub sijhawm, qee zaum ncua sij hawm ncua kev poob siab uas yuav daws tau dhau sijhawm," Kan hais.
Tau kawg, tus nqi ntawm cov nuj nqis uas ib tus muaj lossis xav tau so haujlwm yog txawv rau txhua tus. Kan hais tias, “Thaum kuv pib ua ntej, tib neeg yuav nug kuv tias $ 1 lossis $ 2 lab puas txaus. Kuv ib txwm pom daim duab tsis txaus ntseeg vim lawv tsis tau hais dab tsi txog lwm cov peev txheej muaj rau lawv, lawv cov kev xav tau siv, thaum twg thiab qhov twg lawv xav tias yuav so haujlwm, lossis lub sijhawm lawv yuav so haujlwm. "
Ib txoj cai yooj yim ntawm tus ntiv tes xoo, raws li tus kws npaj nyiaj txiag tau lees paub Michael DeMassa ntawm Forza Wealth Management, yog pib txuag thiab nqis peev 20% ntawm koj cov nyiaj tau los hauv koj 20s. DeMassa hais tias "Koj cov nuj nqis yuav tsum saib xyuas nws tus kheej thaum muaj hnub nyoog 30, 40, 50 thiab 60," hais tias DeMassa. Saib cov nyiaj txuag siab tshaj plaws uas koj tuaj yeem tau txais tam sim no ntawm no.
Vim tias txhua tus neeg cov nyiaj txiag sib txawv thiab cov nuj nqis muaj peev xwm sib txawv nyob ntawm lub neej uas dhau mus dhau lub hnub nyoog, Andy Rosen, tus kws tshaj lij kev nqis peev ntawm NerdWallet, hais tias txoj hauv kev zoo tshaj los ua kom koj cov nuj nqis yog los ntawm, "them nqi, txuag nyiaj ntau dua [ thiab/]los yog ua kom muaj kev nqis peev zoo uas nce nqi raws sij hawm."
Nws kuj pom zoo kom siv lub laij lej tsim nyog los txiav txim seb koj yuav tsum muaj pes tsawg. Tshwj xeeb tshaj yog, tus kws npaj nyiaj txiag tau lees paub John Bovard ntawm Incline Wealth Advisors, hais tias thaum muaj hnub nyoog 30, koj yuav tsum muaj 2X koj cov nyiaj hli txhua xyoo, thaum muaj hnub nyoog 40 koj yuav tsum muaj 4X koj cov nyiaj hli txhua xyoo, thaum muaj hnub nyoog 50 koj yuav tsum muaj 10X koj cov nyiaj hli txhua xyoo thiab thaum muaj hnub nyoog 60 koj yuav tsum muaj 15X koj cov nyiaj hli txhua xyoo. "Koj yuav xav tau tsawg kawg 10X koj cov nyiaj hli txhua xyoo txuag los ntawm hnub nyoog 60 xyoo thiab vim tias tsis yog tag nrho koj cov nyiaj tau los siv tau, koj yuav xav tau ntau dua 10X," Bovard hais.
Nws kuj pom zoo kom nce net nqi nrog me me thiab loj yeej. "Ntxiv cov nyiaj laus los ntawm 1%, them cov nqi paj siab, cia li nqis peev $ 100 toj ib hlis mus rau hauv tus account brokerage ncaj qha mus rau S&P 500 index fund, thov kom nce koj cov nyiaj hli, siv cov nuj nqis los yuav cov khoom xauj tsev, lossis siv nyiaj qiv los yuav kev lag luam, "Bovard hais.
Thiab "Nws yog qhov pab tau kom muaj tswv yim txog kev lav ris. Qee qhov kev lav phib xaub ua rau muaj kev nkag siab zoo, xws li qiv nyiaj rau kev txaus siab mus sij hawm ntev hauv tsev lossis cov tub ntxhais kawm qiv rau qib uas yuav ua rau cov nyiaj tau los yav tom ntej, tab sis ntau qhov kev lav phib xaub tsuas yog rho tawm los ntawm tus nqi tsim nyog, "hais tias tus kws npaj nyiaj txiag muaj ntawv pov thawj Eric Uchida Henderson ntawm East Horizon Kev nqis peev.
Cov lus qhia, cov lus pom zoo lossis cov qeb uas tau hais hauv tsab xov xwm no yog cov ntawm MarketWatch Picks, thiab tsis tau raug tshuaj xyuas lossis pom zoo los ntawm peb cov koom tes ua lag luam.
Tau qhov twg los: https://www.marketwatch.com/picks/less-education-can-be-worth-more-while-college-grads-have-a-net-worth-about-5x-higher-than-high- school-grads-heres-what-sometimes-matters-even-more-than-that-college-diploma-01671647431?siteid=yhoof2&yptr=yahoo