When it comes to personal finance, most of us are taught a strict set of rules. Don’t carry credit card debt. Stick to your budget no matter what. And for heaven’s sake, don’t talk about money with friends. But Dasha Kennedy, founder of The Broke Black Girl, hasn’t always followed those rules. In fact, in an Instagram post, she admitted to breaking many of them. The twist? Those so-called “bad” money moves didn’t stop her from building wealth. Instead, they helped her survive, stabilize her family and eve ...

Tony Robbins has spent decades coaching people on their finances and one of his biggest messages is that wealth doesn’t just come from what you earn. It actually comes from what you stop doing wrong with your money. Trending Now: Why You Should Start Investing Now (Even If You Only Have $10) For You: 6 Subtly Genius Moves All Wealthy People Make With Their Money In other words, acquiring money is just step one. Real wealth is in how you handle the money you have. According to Robbins, many people sabotage ...

Growing your wealth takes time but the work getting there doesn’t have to be tedious or overwhelming. There’s plenty of quick and easy tasks that can improve your finances with minimal investment. Trending: If Wealth Was Evenly Distributed Across America, How Much Money Would Every Person Have? For You: 6 Subtly Genius Moves All Wealthy People Make With Their Money Here are six tasks, that can each be completed in just five minutes, to help take your wealth to the next level. They might seem like small mo ...

“In this case, you might be a little further down the line. Maybe you’re 30s or 40s. You’ve built up some expertise. You’re starting to reap some of the rewards. We can think of this like summer and reinvention. You’re ready for a change , a new industry, role or lifestyle. We can think of this like summer or reinvention,” Sethi explained.Sethi recommended looking at your career as three parts or seasons, as he called them. “Growth. This is where you maximize income, build your skills and climb fast . You’r ...

You may not have all the money you want, or even need, but that doesn’t mean you can’t change that with the right adjustments to your spending habits and a few tweaks to your financial plan. However, if you’re like many others, you may not be getting rich because you’re not focusing on the right moves to build wealth. Find Out: If Mark Zuckerberg’s Wealth Were Evenly Distributed Across America, How Much Money Would Every Person Get? Up Next: 6 Popular SUVs That Aren't Worth the Cost -- and 6 Affordable Alt ...

财富观念 - 2025年查尔斯·施瓦布现代财富调查显示美国人认为需要平均230万美元净资产才能被视为富有 [2] 住房策略 - 尽管价格和利率上升36%的美国人将购房作为其主要财富积累策略 [3] - 专家建议单一资产包括房地产不应超过个人总净资产的50%退休时住房占比应控制在25%至30%并通过投资股票债券等其他资产实现多元化 [4] 退休储蓄 - 退休账户如401(k)和IRA仍是财富积累的支柱多数员工让专业人士或自动化基金管理其401(k)近半数人将更高比例的工资投入退休储蓄 [5] - 专家推荐长期被动投资策略如构建包含美国股市国际股市和债券的三基金组合或定期定额投资于追踪标普500等指数的共同基金/ETF [6]

文章核心观点 - 文章讨论了未来可能变得富有的六个关键迹象 重点强调了通过多元化收入 节俭生活和无债务状态来积累财富的路径 [2] 财富积累的迹象 - 拥有多元化的收入来源是财富增长的关键迹象 包括从事副业或获得投资收入 如股息股票或租金收入 [3][4] - 通过将一部分收入用于投资 而非仅依赖单一收入来源 可以对长期财富产生巨大影响 [3][4] - 生活支出低于收入水平是一种财务安全策略 可将多余资金分配至投资 从而加速财富增长 [4] - 减少日常开支 例如自制咖啡和选择维护成本更低的住房 每年可节省数千至数十万美元 这些节省的资金可再投资以促进财富增长 [5][6] - 在大力投资之前 必须优先清除不良债务 真正富有的人士通常只持有能增值的债务 如房产 [7]

罗伯特·赫亚维克的投资观点 - 如果仅剩100万美元进行投资 将选择投资房地产[3] - 投资房地产的目的是建立稳定的收入来源 作为再次创业的基础[3] - 认为房地产投资可以消除因财务绝望而做出错误决策的风险[3] 格兰特·卡东对房地产的看法 - 赞同赫亚维克的观点 称房地产是“无需思考的选择”和“地球上保守得最好的秘密”[4] - 建议人们将资金投入房地产 然后去重新发展自己的业务[4] 房地产作为资产类别的特征 - 长期以来被视为积累和保存财富最可靠的方式之一[5] - 与价值可能剧烈波动的纸质资产不同 房地产能同时提供收入和长期增值[5]

银行与储蓄习惯 - 银行账户管理不善可能导致资金因透支费而流失 透支费通常高达35美元[4] - 为避免透支费 可设置银行自动拒绝透支交易 并定期通过银行应用程序检查余额[5] - 将全部现金存放在高收益储蓄账户可能因税后和通胀后的实际回报为负而导致财富缩水[6] 投资与储蓄效率 - 储蓄账户的实际回报可能低于通胀率 例如3.5%的收益率在25%税率和2.9%通胀率下 实际回报为负[7] - 仅依靠储蓄可能使财富缓慢缩水 投资对于财富增长至关重要 例如2024年标普500指数的实际年回报率达21.54%[8] - 投资需考虑风险 回报波动性和长期视角 并可寻求财务顾问[8]

银行业务习惯 - 在支票账户中囤积超过几个月生活费用的资金会错失通过储蓄账户或其他投资获得更高利息的机会[3][4] - 每月产生的维护费、ATM附加费和透支费等费用会快速累积[4] - 选择提供费用减免或报销的账户 例如满足直接存款等特定要求可免除费用的账户 每年可节省数百美元[5] 金融产品使用 - 不提供现金返还或其他奖励的信用卡会使客户错失有价值的福利[6] - 将资金从常规储蓄账户转向高收益储蓄账户可以显著增加储蓄收益[4]