Rau 26-xyoo-laus Jessica Tsoi, kev mus ncig ib txwm yog ib feem tseem ceeb ntawm nws lub neej txij li thaum nws tseem yog menyuam yaus mus ncig ua si hauv tsev neeg thaum lub caij so so.
Raws li ib tug neeg laus nrog kev ua haujlwm thiab nws tus kheej cov nyiaj tau los, nws tau mus tshawb txog cov tebchaws xws li Kaus Lim Qab Teb thiab Switzerland, sau nws cov kev paub dhau los hauv TikTok tuav @jessicawantsanap, qhov chaw nws muaj ze li ntawm 28,000 tus thwjtim.
cov 'travel' hashtag ntawm TikTok muaj yuav luag 119 billion views nrog ntau txhiab tus yeeb yaj kiab uas nthuav tawm cov duab zoo nkauj ntawm cov chaw txawv teb chaws. Dhau li inducing instant wanderlust, cov yeeb yaj duab feem ntau txhawb lub trendy tab sis muaj teeb meem lub tswv yim ntawm kev siv nyiaj loj rau kev mus ncig thaum koj tseem hluas.
Cov lus rov hais dua yog: "Kuv yuav muab kuv cov nyiaj rov qab, tab sis kuv yuav tsis nyob hauv kuv 20s thiab mus rau [qhov chaw] dua." Lawv thov tias qhov kev paub dhau los ib zaug hauv lub neej deb tshaj tus nqi.
Tab sis koj puas yuav tsum tso koj cov nyiaj khaws tseg kom ua tau zoo tshaj plaws ntawm koj cov hluas? Cov kws tshaj lij hais tias kev mus ncig thiab kev ruaj ntseg nyiaj txiag tsis tas yuav muaj kev sib koom ua ke.
Certified financial planner Akeiva Ellis piav qhia tias cov lus qub qub ntawm kev ua haujlwm nyuaj thaum koj tseem hluas kom txaus siab rau koj tus kheej hauv koj cov nyiaj laus tsis siv rau cov tub ntxhais hluas.
Ellis hais tias "Ntau tus neeg sawv los ntawm qhov tseeb tias lub neej tsis tau cog lus tseg," Ellis hais.
Tsis nco
Vim li cas cov tub ntxhais hluas thiaj li tseem ceeb rau kev mus ncig
Ntau Gen Z thiab ntau txhiab xyoo tau tsoo ncua ntawm lawv cov nyiaj khaws tseg txhawm rau saib xyuas qhov tseem ceeb ntawm cov kev paub muaj txiaj ntsig tam sim no - tshwj xeeb tshaj yog tom qab COVID-19 kis thoob qhov txhia chaw ua rau lawv nyob hauv lawv lub tsev ntau lub hlis.
Tsoi hais tias ntau tus neeg yuav tau txhawb nqa lawv cov nyiaj khaws cia thaum muaj kev txwv tsis pub muaj thoob qhov txhia chaw thiab tam sim no tab tom siv nyiaj ntxiv mus ncig thoob ntiaj teb. Nws mus yam tsawg kawg ib qho kev mus ncig uas yuav tsum tau ya davhlau txhua plaub lub hlis, tab sis nyiam kev mus ncig luv luv rau hnub so thiab.
Raws li kev tshawb fawb Lub Rau Hli los ntawm Lub Tuam Txhab Tswj Nyiaj Txiag Tus Kheej, 55% ntawm cov neeg teb hnub nyoog 26 txog 41 xyoo tau hais tias lawv siv sijhawm ntau rau kev so haujlwm ntau dua li lawv cov nyiaj laus.
Ellis hais tias thaum koj laus lawm, koj txoj kev noj qab haus huv yuav raug cuam tshuam lossis koj tuaj yeem ua haujlwm nrog lwm lub luag haujlwm uas cuam tshuam koj txoj kev ywj pheej, xws li kev saib xyuas.
"Nws tsuas yog ua rau muaj kev nkag siab zoo rau ntau tus neeg kom ua kom lawv cov 20s ntau tshaj li ntawd, thiab pom ntau npaum li lawv muaj peev xwm ntawm lub ntiaj teb ua ntej lawv mus txog qhov tseem ceeb hauv lub neej."
Yuav ua li cas nyob ntawm pob nyiaj siv rau hnub so
Ellis hais tias thaum cov txiaj ntsig tsis muaj txiaj ntsig ntawm kev ntsib qhov chaw tshiab feem ntau tuaj yeem hloov pauv "duas duas thiab xees" rau qee tus neeg, muaj ntau txoj hauv kev ua kom muaj kev mus ncig thiab nyob twj ywm ntawm koj lub hom phiaj nyiaj txiag.
Nws hais tias qhov kev npaj ua ntej koj tuaj yeem ua tau, qhov zoo dua. "Saib tom ntej, hais tias, 'Okay, kuv qhov kev mus tom ntej yog dab tsi uas kuv xav ua rau lub xyoo?' Thiab pib tso nyiaj ib sab los pab them cov nqi. "
Ellis kuj pom zoo "kev mus ncig nyiag nkas", uas koj ua kom koj daim npav rho nyiaj tau txais txiaj ntsig thiab nyiaj tshwj xeeb rau cov nuj nqis xws li kev ya davhlau thiab kev pabcuam. Nws hais tias nws thiab nws tus txiv tau mus rau Dubai thiab Maldives "dawb" ob peb xyoos dhau los los ntawm kev siv cov perks no.
Tsoi hais tias nws tau siv nws daim npav Chase Sapphire Reserve rau lub tshav dav hlau lounge thiab tau txuag nws cov ntsiab lus los kho nws niam nws txiv lossis pog yawg hauv chav ua lag luam. Nws kuj qhia txog kev sib sau ntawm cov tsev tos qhua thiab kev ya davhlau rau kev sib tham thiab luv nqi.
Nws yog ib qho tseem ceeb uas yuav tsum nco ntsoov txog cov nqi xav tsis thoob ntawm txoj kev - Tsoi hais tias nws yog ib lub tswv yim zoo rau kev siv nyiaj ntxiv 5-10% yog tias koj cov phiaj xwm hloov pauv lossis muaj xwm txheej ceev.
Thiab Ellis hais tias, ib feem ntawm cov txheej txheem kev npaj suav nrog kev tsim cov peev nyiaj rau ntau npaum li cas koj npaj yuav siv thaum koj nyob rau hnub so nws tus kheej. Nws yog ib qho yooj yim kom nyob twj ywm ntawm pob nyiaj thaum koj tab tom booking koj lub davhlau thiab kev pab, tab sis nyuaj rau nyob rau hauv txoj kev thaum nws los txog rau tej yam xws li kev paub thiab zaub mov. Tshwj xeeb tshaj yog thaum koj xav da dej hauv kab lis kev cai ntawm koj ib puag ncig.
"Kuv muaj lub siab xav hais tias, 'Auj, koj nyob ntawm no ib zaug, mus rau lub tsev noj mov no.' Kuv yog tus neeg ntawd."
Ellis kuj piav qhia tias kev mus ncig tsis tas yuav tsum muaj kev ya mus thoob ntiaj teb - koj tuaj yeem ua txoj kev taug kev lossis mus ncig hauv tsev, uas yuav tsis raug nqi ntau npaum li kev caij dav hlau mus rau Maldives, piv txwv li.
Davhlau ib leeg tuaj yeem noj ntau heev ntawm koj cov peev nyiaj mus ncig. Qhov chaw nyiaj txiag ntawm tus kheej ValuePenguin sau tseg tias kev mus rau qhov chaw feem ntau tuaj yeem suav txog ib nrab ntawm kev siv nyiaj so haujlwm - nrog rau cov nqi nruab nrab ntawm cov dav hlau mus txog $ 3,304 rau tsev neeg.
Nyeem ntxiv: 10 qhov zoo tshaj plaws kev nqis peev apps rau 'ib zaug-hauv-ib- tiam' txoj hauv kev (txawm tias koj yog tus pib)
Koj puas yuav tsum cuam tshuam koj cov nyiaj txiag ruaj ntseg rau kev mus ncig?
Tsoi hais tsis meej. "Kuv tsis xav tias nws tsim nyog mus rau hauv cov nuj nqis rau. Thiab qhov ntawd yog qee yam uas nyob nrog koj ib ntus. "
Kev noj cov nuj nqis rau kev so tuaj yeem cuam tshuam koj cov qhab nia credit - uas cov qiv nyiaj siv los txiav txim siab seb koj puas yog tus qiv nyiaj uas ntseeg tau thaum koj thov rau yam xws li qiv nyiaj lossis qiv nyiaj ntau dua - ntxiv rau cov paj laum ua rau nws nyuaj rau them tawm qhov tsis txaus ntseeg ntawd.
Cov neeg Amelikas twb tuav cov nuj nqis hauv tsev ntau heev - Tsoom Fwv Tebchaws Reserve Bank of New York hais tias nws yog nce mus txog $ 16.51 trillion nyob rau lub quarter thib peb ntawm lub xyoo. Thiab nrog kev nce nqi tseem ua rau cov nqi siab thiab Fed tus nqi nce nce cov paj laum, nws tseem kim dua qiv.
Tsoi ntseeg hais tias kev mus ncig ua rau muaj kev nkag siab tsuas yog tias koj tseem tuaj yeem them koj cov nuj nqis nyob ruaj khov, xws li nqi xauj tsev, khoom siv hluav taws xob thiab khoom noj khoom haus, thiab them koj daim npav rho nyiaj txhua hli raws sijhawm.
Nws kuj tso nyiaj tseg rau nws so haujlwm thiab khaws cia -Txawm li cas los xij tshuav mus rau hauv kev mus ncig lossis lwm yam kev lom zem.
Thiab nws hais ntxiv tias koj yuav tsum ua qhov tseem ceeb tshaj qhov koj muaj nuj nqis tshaj hauv koj lub neej.
"Rau kuv tus kheej, tam sim no, nws yog kev nplij siab, kev yooj yim, thiab kev siv hluav taws xob ... Kuv yuav hloov lub davhlau, zoo li kev txhim kho hauv chav ua lag luam. Qhov chaw me ntsis ntxiv, Kuv yuav kuaj lub hnab, lossis kuv yuav nyob hauv lub tsev so zoo dua me ntsis. "
Nws hais ntxiv tias nws feem ntau tsis siv nyiaj rau lwm yam xws li tau txais nws cov plaub hau thiab rau tes ua tiav lossis kho nws chav tsev, tab sis qhov no yuav hloov tom qab yog tias nws khwv tau nyiaj ntau dua lossis nws qhov tseem ceeb hloov pauv.
"Txhua yam ua rau koj zoo siab."
Yuav nyeem dab tsi tom ntej
Ntawm no yog pes tsawg tus neeg Amelikas nruab nrab 60 xyoo tuav hauv cov nyiaj so koobtsheej - yuav ua li cas koj lub zes qe piv?
Robert Kiyosaki ceeb toom tias kev lag luam yog ' npuas loj tshaj plaws' hauv keeb kwm, hais kom cov tub ua lag luam pov tseg cov khoom muaj nqis - nws nyiam cov kev hloov pauv no es tsis txhob
Ntau tshaj 65% ntawm cov neeg Amelikas tsis mus yuav khoom kev tuav pov hwm tsheb zoo dua - thiab qhov ntawd tuaj yeem raug nqi koj $ 500 ib hlis
Kab lus no muab cov ntaub ntawv nkaus xwb thiab yuav tsum tsis txhob muab txhais ua cov lus qhia. Nws tau muab yam tsis muaj kev lees paub ntawm txhua yam.
Tau qhov twg los: https://finance.yahoo.com/news/ill-money-back-twenty-something-230000472.html