Kunesithombe esibuyela emqondweni wami njalo lapho ngicabanga ukuthi kusho ukuthini ngempela ukuzimela.
Isikebhe simise i-ankile endaweni evikelekile yokumisa umkhumbi (anchorage).
Le ndawo yokumisa umkhumbi iyisiphetho lapho ulwandle luthule khona, luvikelwe emoyeni namagagasi. Umuntu ume lapho ukuze adlule ubusuku, ukuze alinde isimo sezulu sishintshe, ukuze anqume ngokuthula indlela yakusasa.
Isikebhe esimise endaweni yokumisa umkhumbi asihambi. Kodwa futhi asikho ngaphansi kolwandle oluvulekile.
Sime ngokukhetha kwaso. Singahamba futhi noma nini sithanda, siye noma kuphi sithanda. Noma singahlala lapho.
Lokhu ukuzimela engifisa ukukuxoxa. Akusiyo inombolo. Isimo.
Futhi kuqala ngokwehlukanisa okudideka cishe wonke umuntu: ocebile nokhululekile akuyona into eyodwa.
Amagama amabili ashintshaniswa njalo
Zama ukubuza abantu ukuthi kusho ukuthini “ukuzimela” ngokwezimali.
Cishe njalo bakuphendula ngenombolo. I-million. Ama-million amathathu. “Uma sengiba nokwanele ukuthi ngingasebenzi futhi.”
Leyo yimpendulo yabacebile, hhayi eyabakhululekile.
Ingcebo iyiquantity. Yilokho onakho: sikubiza, ngezimiso ze-Cashfulness, njenge-inani lemfuwa esele (net worth) — konke onakho ukhipha konke okukolele.
Ukuzimela yinto ehlukile. Yikwazi: ukwazi ukukhetha ngaphandle kokuvumela imali ikhethele wena.
Kuxhumene, impela. Kodwa akuhambi ndawonye, futhi akuyona into eyodwa.
Ngazi abantu abanemfuwa enkulu abangakhululekile nhlobo. Bakhe impilo ebiza njengoba inikeza, futhi njalo ngenyanga leso simbo kufanele sondliwe. Uma ukugeleza kuma, isimbo siyema. Bacebile futhi baboshiwe ngesikhathi esifanayo.
Futhi ngazi abantu abanokuncane kakhulu kodwa baphila njengabantu abakhululekile. Bangasho ukuthi cha kumkhonzi onobuthi. Bangalinda ithuba elifanele kunokuthatha elokuqala eledlulayo. Bangathatha izinyanga ezintathu ukuze banqume okubalulekile.
Abacebile. Bakhululekile.
Umehluko awukho enombolweni. Ukubudlelwane phakathi kwaleyo nombolo nempilo oyakhe phezu kwayo.
Yini ekhokhelwa ngempela ukuzimela
Uma ngisho “inkululeko yezomnotho” — futhi ngisebenzisa ezomnotho, hhayi ezezimali, ngoba “inkululeko yezezimali” isibe yisithembiso sabathengisi, ilebula lapho engacashe khona ingxenye ye-internet efuna ukukufundisa ukuba ocebile — ngiqonda into ecacile kakhulu.
Ukuzimela kukhokhela izinkululeko ezine. Zonke ziyisebenza, zonke ziyaqinisekiseka.
Inkululeko yokusho ukuthi cha.
Umsebenzi ongakuhloniphi. Umkhonzi okukhipha amandla. Iphrojekthi ongasakholelwa kuyo. Ozimele angasho ukuthi cha ngaphandle kokuvumela ukwesaba kwenyanga ezayo kunquma impendulo.
Inkululeko yokulinda.
Amathuba angempela afika cishe njalo ngesikhathi esingesihle, futhi acishe angabambeki uma uphuthumile. Okwaziyo ukulinda uthola izimo ezingcono, kukho konke: ukuthenga, ukuthengisa, ukukhetha kwempilo. Ukuphuthuma yintela, futhi uyibhadalela komunye onesikhathi esiningi kunawe.
Inkululeko yokuthatha isikhathi.
Isikhathi sokunquma, kodwa nesikhathi ngokwaso nje. Sabantu, sezinto ezibalulekile, sokuma ngaphandle kokuzizwa unecala. Isikhathi esisezingeni eliphezulu asilona ubukhazikhazi babacebile: yisabelo sokuqala sokuzimela.
Inkululeko yokona ngaphandle kokuwa.
Ukukhetha okwephuca akufanele kukukhiphe esikebheni. Ukuzimela futhi kuyisikhala esikuvumela ukuthi uvuke kwiphutha ngaphandle kokuba yinhlekelele.
Buka kahle lezi zinkululeko ezine.
Ayikho okudinga ukuthi ube ocebile.
Zonke zidinga ukuthi impilo yakho ibize okuncane kunalokho onakho nakulokho okungenayo. Futhi ukwazi ngokunembile, hhayi ngemizwa.
Isikebhe sakho, hhayi esikhulu kunazo zonke endaweni yesikebhe
Asibuyele endaweni yokumisa umkhumbi.
Ungena endaweni yezokuvakasha yesikebhe ehlobo futhi uzibona zonke zilinganisiwe. Izikebhe ezinkulu, ezibengezelayo, nabasebenzi bagqoke izimpahla ezifanayo. Futhi phakathi, esakho: sincane, siyisimo esilula, mhlawumbe sinezimpawu zeminyaka.
Isilingo ukubheka lezo ezinkulu bese uzizwa usale ngemuva.
Kodwa kukhona umbuzo ophenula konke: lezo zikebhe zezabanikazi bazo, noma abanikazi bezikebhe?
Isikebhe esikhulu sidinga izindawo zokumisa ezibizayo, ukondliwa okuqhubekayo, abasebenzi, ama-insurance asindayo. Siyadla. Njalo ngenyanga sidinga ukondliwa, futhi lowo onaso kufanele aqhubeke nokukhiqiza ukugeleza kuphela ukuze asigcine sintanta.
Ku-Cashfulness sibiza lolu hlobo lwempahla ngeImpahla− (Asset−): izinto onazo futhi, ngenkathi unazo, zidinga imali iphuma. Nguwe osebenzela zona. (Sixoxa ngokugcwele lapha.)
Isikebhe esikhulu, kwabaningi abanaso, sisikhulu kunazo zonke phakathi kwe-Impahla−.
Isikebhe sakho, leso esincane, ngesakho. Ngempela ngesakho. Sikhokhelwe, siyasilondoloza ngaphandle kobunzima, futhi lapho uthanda, ukhulula amagoda uhambe.
Asilona esikhulu kunazo zonke endaweni yesikebhe.
Yiso lesi ophethe kuso.
Ukuzimela akulona ukuba nesikebhe esikhulu kunazo zonke. Ukuba nesikebhe esiyisakho ngempela — sesilinganiso ongasiphatha — futhi ukwazi ukusinyakazisa lapho unquma wena.
Isibonelo esikucacisayo
Asithathe isibonelo, ngabantu ababili abaqanjiwe kodwa abangeqiniso.
ULuca uholelwa u-€6,000 ngenyanga. Inombolo enhle. Kodwa wakhe impilo ye-€5,800: intela yendlu enkulu, izimoto ezimbili ze-leasing, isikole esizimele, amaholide “angakwazi ukuwathenga”.
Njalo ngenyanga kusale €200. Ukuvikeleka kwakhe — izinyanga ezingaki angahlala uma imali ingena imisile — cishe amasonto ambalwa.
ULuca ephepheni ubonakala enothile. Empeleni, uboshelwe kumholo wakhe. Akakwazi ukusho ukuthi cha lutho, ngoba isimbo sidinga ukondliwa. Uma kusasa umphathi wakhe emcela into angakholelwa kuyo, uLuca uyathoba. Akakwazi ukukhetha. Impilo yakhe ibiza njengoba inikeza.
U-Anna uholelwa u-€2,800 ngenyanga. Uphila nge-€1,900. Akukho okuyi-ascetic: indlu efanele, imoto eyodwa, izinto zakhe. Ubeka eceleni u-€900 ngenyanga, futhi eminyakeni embalwa wakha ukuvikeleka okungaphezu konyaka.
U-Anna unokuncane kakhulu kunoLuca. Kodwa uma umphathi wakhe emcela into angakholelwa kuyo, u-Anna angaphendula ukuthi cha. Angashintsha umsebenzi. Angalinda. Angona ekukhetheni bese evuka futhi.
U-Anna usendaweni yokumisa umkhumbi. ULuca usolwandle oluvulekile phezu kwesikebhe esikhulu kakhulu, futhi akakwazi ukuma.
Umehluko phakathi kwabo bobabili awukho ekutheni baholelwa malini.
Kuyisabelo (margin) phakathi kwalokho okungenayo nalokho okuphumayo, nokuthi bakhe ini phezu kwakho.
Uma konke okunye kulingana, ophila ngaphansi kwamandla akhe ukhululeke ngaphezu koophila emngceleni wamandla akhe — ngisho noma lo wesibili enothe kakhulu.
Kungani kudingeka okuncane, hhayi okuningi
Le yingxenye engahambisani nomqondo, futhi ehlukanisayo kakhulu.
Ukuze ungene esigabeni sesibili — abakhululekile — udinga okuncane kunalokho ocabanga. Hhayi i-million. Hhayi “okwanele ukuthi ungasebenzi futhi”.
Udinga into elula kakhulu: ukuthi ibanga phakathi kwalokho okuchithayo nalokho onakho kube banzi ngokwanele ukuze kukunike isikhala sokwenza izinqubo.
Leso sabelo singandiswa ngezinhlangothi ezimbili.
Ungakhuphula lokho okungenayo. Yindlela abantu bonke abayixoxayo, futhi futhi iyona ehamba kancane futhi encane ngaphansi kokulawulwa yiwe.
Noma ungehlisa lokho okuphumayo — hhayi ngokweswaza, kodwa ngeukukhetha: ukuqonda okubaluleke ngempela kuwe futhi uyeke ukukhokhela okunye. Futhi le ndlela icishe ibe ngaphansi kokulawulwa yiwe ngokugcwele, kusukela manje.
Iningi labantu lingaba ngabakhululekile kakhulu kunalokho abakuyo, ngaphandle kokuthola ngisho ne-euro eyodwa engeziwe. Ngenxa yokuthi bagcwalise sonke isikhala phakathi kwemali engenayo nezindleko ngezinto, uma uzibheka kahle, ezingazidingi ukuthi bajabule.
Angisho ukuthi uphile ekuswazekeni. U-Anna akaphili ekuswazekeni.
Ngisho ukuthi ukuzimela kukhokhelwa kudala kakhulu kunengcebo. Futhi abaningi sebenayo esandleni sabo bengazi, ngoba babheka inombolo ku-akhawunti esikhundleni sokubheka ukubudlelwane phakathi kwaleyo nombolo nempilo yabo.
Umgibe wesixaziso esiphambene
Kunombukiso, owazalelwa e-United States, othathe lo mqondo ngokungathi sína futhi wawusa emngceleni.
Ubizwa nge-FIRE. Kusho Financial Independence, Retire Early: ukuzimela kwezomnotho, ukuthatha umhlalaphansi ngokushesha. Umqondo oyisisekelo ulungile — nciphisa izindleko, buthelela ngokushesha, fika ngokushesha okukhulu lapho ungasadingeki khona ukuba usebenze.
Kuze kube lapha, akukho okumele kuphikiswe. Kuwona lowo mehluko phakathi kocebile nokhululekile engixoxa ngawo lapha.
Inkinga ikulapho ifika khona, esimweni sayo esiphelele.
Ngoba kuleso simo ukuzimela kuyeka ukuba yindlela futhi kube injongo. Ukuncipha kwezindleko kuba yisici sokuthakazelela ngokweqile. Ikhofi ngalinye lilinganisiwe hhayi ngenxa yokuqaphela, kodwa ukuze kushesheliswe ngamasonto adonsayo usuku lokufika. Kuphilwa iminyaka eyishumi ngesigamu ukuze mhlawumbe kukhululwe amashumi amathathu.
Futhi lapha iphutha libonakala kahle.
Ukuncipha impilo yanamuhla ukuze uthenge inkululeko yakusasa kubuye, futhi, kuvumela imali inqume — kuphela ngophawu oluphambukile. Awusiye isigqila sokusetshenziswa, uyisigqila sokonga. Indawo yokumisa umkhumbi ayisayindawo lapho ukhetha ngokuthula: iba yijele lapho uzivalele khona ukuze ufike ngokushesha.
Ukuzimela akulona ukuzincisha namuhla ukuze ube khululekile ngelinye ilanga.
Kungukwakha, kusukela namuhla, impilo ebiza okuncane kunalokho okunikezayo — futhi uphile leyo mpilo, manje, njengomuntu okhululekile. Isabelo asiyona isijeziso okumele siqedwe. Sisikhala lapho uphefumula khona ngenkathi uqhubekela phambili.
Ngithatha ingxenye enhle ye-FIRE — umehluko phakathi kocebile nokhululekile, umqondo wokuthi isabelo sibaluleke ukwedlula ubukhazikhazi — futhi ngishiya isici sokuthakazelela ngokweqile kulowo ofisa sona.
Ithuluzi, hhayi iphupho
Kunomusho ongihambisayo kusukela lapho ngaqala khona ukucabanga ngakho konke lokhu.
Imali iyithuluzi lokuthenga isikhathi nenkululeko. Hhayi iphupho okulandelwayo, futhi hhayi isitha okumele silwiswe.
Olilandelayo akaze abe ozimele, ngoba akulingani nini: kuhlale kukhona isikebhe esikhulu endaweni yesikebhe. Olilwisayo naye akazimele, ngoba uphila ekungqubukaneni nethuluzi elaliyomkhulula.
Ukuzimela kukhona phakathi. Kulobo budlelwane obuthule nemali lapho uyisebenzisa kulokho eyikho — ithuluzi — futhi ungayivumeli ibe inkosi yakho noma isitha sakho.
Futhi ukuze uphathe kahle ithuluzi, into yokuqala ukwazi ukuthi ukuphi.
Hhayi ukuthi uholelwa malini. Hhayi ukuthi uchithe malini inyanga edlule. Ukuphi: isikhundla sakho sangempela, ubudlelwane bangempela phakathi kwalokho onakho nalokho ekubiza yiyo impilo oyiphilayo.
I-Cashfulness izalelwe ukukunika leyo koordinethi — indawo eqondile yomkhumbi — nokukukhombisa, eceleni kwayo, ukuthi useduze kangakanani nendawo yokumisa umkhumbi: izinyanga ezingaki ongahlala uma umoya umisile, iyiphi ingxenye yemfuwa yakho esebenzela wena esikhundleni sokukusinda.
Ayikutsheli ukuthi isikebhe sakho sikhulu ngokwanele. Lowo mbuzo unephutha kusukela ekuqaleni.
Ikutshela ukuthi ngesakho, futhi ukuthi ungakwazi ukusinyakazisa lapho uthanda.
Okusele — ukuthi uye kuphi, uma uphinde uhambe, uma uhlale futhi kancane endaweni yokumisa umkhumbi — kuwukukhetha okuhlala njalo kungokwakho.
— Vittorio