{"id":1433,"date":"2017-07-07T16:02:06","date_gmt":"2017-07-07T16:02:06","guid":{"rendered":"https:\/\/blog.ngocha.biz\/?p=1433"},"modified":"2017-07-07T16:02:06","modified_gmt":"2017-07-07T16:02:06","slug":"chien-luoc-tai-chinh-ca-nhan","status":"publish","type":"post","link":"https:\/\/blog.ngocha.biz\/?p=1433","title":{"rendered":"Chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n"},"content":{"rendered":"
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\n 4.8\/5 – (46 votes) <\/div>\n<\/p><\/div>\n

Theo nh\u01b0 b\u00e1o c\u00e1o ph\u00e2n t\u00edch v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng xem blog n\u00e0y th\u00ec c\u00f3 t\u1edbi 60% l\u00e0 nh\u1eefng ng\u01b0\u1eddi d\u01b0\u1edbi 35 tu\u1ed5i. T\u00f4i ch\u1ee3t ngh\u0129 t\u1ea1i sao m\u00ecnh kh\u00f4ng l\u00e0m m\u1ed9t b\u00e0i vi\u1ebft gi\u00fap nh\u1eefng ng\u01b0\u1eddi tr\u1ebb \u0111\u1ecbnh h\u00ecnh \u0111\u01b0\u1ee3c h\u01b0\u1edbng \u0111i t\u01b0\u01a1ng lai c\u1ee7a m\u00ecnh. \u0110\u00e0nh r\u1eb1ng c\u00f3 r\u1ea5t nhi\u1ec1u h\u01b0\u1edbng \u0111i kh\u00e1c nhau cho m\u1ed7i ng\u01b0\u1eddi nh\u01b0ng c\u0169ng gi\u1ed1ng nh\u01b0 khi t\u00ednh GDP<\/a> hay ti\u1ebfn \u0111\u1ed9 m\u1ed9t d\u1ef1 \u00e1n ng\u01b0\u1eddi ta th\u01b0\u1eddng d\u00f9ng ti\u1ec1n \u0111\u1ec3 l\u00e0m th\u01b0\u1edbc \u0111o v\u00e0 v\u00ec v\u1eady cho d\u00f9 b\u1ea1n l\u00e0 ai th\u00ec c\u0169ng c\u00f3 m\u1ed9t m\u1ee5c ti\u00eau v\u00e0 con \u0111\u01b0\u1eddng c\u00f3 th\u1ec3 \u0111\u1ecbnh h\u00ecnh \u0111\u01b0\u1ee3c. \u0110\u1ec3 nh\u1eefng ng\u01b0\u1eddi m\u1ea5t ph\u01b0\u01a1ng h\u01b0\u1edbng<\/a> t\u00ecm th\u1ea5y con \u0111\u01b0\u1eddng \u0111i c\u1ee7a m\u00ecnh.<\/p>\n

Khi t\u00f4i 22 tu\u1ed5i t\u00f4i nghe n\u00f3i “Tr\u01b0\u1edbc 27 tu\u1ed5i m\u00e0 ch\u01b0a th\u00e0nh \u0111\u1ea1t k\u1ec3 nh\u01b0 \u0111\u00e3 mu\u1ed9n”. Khi 27 tu\u1ed5i th\u1ea5y c\u0169ng ch\u01b0a l\u00e0m g\u00ec cho \u0111\u1eddi, hoang mang l\u1eafm, nh\u01b0ng c\u0169ng nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c r\u1eb1ng c\u00e1i c\u00e2u kia c\u00f3 g\u00ec \u0111\u00f3 kh\u00f4ng \u0111\u00fang. R\u1ed3i th\u00ec t\u00f4i nghe n\u00f3i “Tr\u01b0\u1edbc 40 tu\u1ed5i m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 nghi\u1ec7p ri\u00eang th\u00ec k\u1ec3 nh\u01b0 \u0111\u00e3 mu\u1ed9n”. R\u1ed3i khi g\u1ea7n 40 t\u00f4i nh\u1eadn ra l\u00e0 nh\u1eefng c\u00e2u ki\u1ec3u \u0111\u00f3 nhi\u1ec1u nhan nh\u1ea3n gi\u1ed1ng nh\u01b0 v\u00f4 s\u1ed1 l\u1eddi khuy\u00ean c\u00f3 tr\u00ean m\u1ea1ng ng\u00e0y nay.<\/p>\n

N\u1ebfu nh\u01b0 \u0111\u01b0\u1ee3c tr\u1edf l\u1ea1i tu\u1ed5i 22, c\u00f3 m\u1ed9t s\u1ed1 th\u1ee9 t\u00f4i s\u1ebd v\u1eabn kh\u00f4ng thay \u0111\u1ed5i c\u00e1ch l\u00e0m nh\u01b0ng c\u00f3 m\u1ed9t s\u1ed1 th\u1ee9 ch\u1eafc ch\u1eafn t\u00f4i s\u1ebd thay \u0111\u1ed5i. Nh\u1eefng thay \u0111\u1ed5i \u0111\u00f3 s\u1ebd mang l\u1ea1i s\u1ef1 th\u00e0nh c\u00f4ng s\u1edbm h\u01a1n v\u00e0 t\u1ed1t h\u01a1n hi\u1ec7n tr\u1ea1ng ng\u00e0y nay b\u1ea5t ch\u1ea5p ngo\u1ea1i c\u1ea3nh nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n

L\u1ee9a tu\u1ed5i c\u1ee7a t\u00f4i \u0111\u00e3 l\u00e0 40, c\u00f3 ngh\u0129a l\u00e0 h\u01a1n 60% nh\u1eefng ng\u01b0\u1eddi v\u00e0o \u0111\u1ecdc blog n\u00e0y r\u1ed3i n\u00ean c\u00f3 th\u1ec3 \u0111\u00e2y l\u00e0 b\u00e0i vi\u1ebft s\u1ebd r\u1ea5t c\u00f3 \u00edch cho b\u1ea1n. 40% c\u00f2n l\u1ea1i c\u00f3 th\u1ec3 \u0111\u1ecdc cho vui, \u0111\u1ec3 chi\u00eam nghi\u1ec7m ho\u1eb7c \u0111\u1ec3 b\u1eaft \u0111\u1ea7u l\u1ea1i t\u1eeb \u0111\u1ea7u. Kh\u00f4ng bao gi\u1edd l\u00e0 qu\u00e1 mu\u1ed9n, c\u1ee9 c\u00f3 b\u1eaft \u0111\u1ea7u th\u00ec s\u1ebd c\u00f3 v\u1ec1 \u0111\u00edch.<\/p>\n

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Gi\u1ea3 s\u1eed b\u1ea1n \u0111ang 35 tu\u1ed5i (ho\u1eb7c 22 ho\u1eb7c b\u1ea5t c\u1ee9 tu\u1ed5i n\u00e0o), \u0111\u00e3 bao gi\u1edd b\u1ea1n ngh\u0129 l\u00fac m\u00ecnh 45, l\u00fac m\u00ecnh 55 tu\u1ed5i m\u00ecnh s\u1ebd nh\u01b0 th\u1ebf n\u00e0o ch\u01b0a. V\u00e0 n\u1ebfu c\u00f3 ngh\u0129 t\u1edbi th\u00ec c\u00f3 l\u00e0m g\u00ec \u0111\u1ec3 chu\u1ea9n b\u1ecb cho c\u00e1i l\u00fac \u0111\u00f3 kh\u00f4ng?<\/p>\n

H\u00e3y nh\u00ecn xung quanh, nh\u1eefng ng\u01b0\u1eddi > 45 th\u1eadm ch\u00ed l\u00e0 > 60 tu\u1ed5i. B\u1ea1n s\u1ebd b\u1eaft g\u1eb7p m\u1ed9t ai \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0 h\u00ecnh \u1ea3nh c\u1ee7a b\u1ea1n trong t\u01b0\u01a1ng lai. B\u1ea1n c\u00f3 mu\u1ed1n l\u00e0 h\u1ecd c\u1ee7a nhi\u1ec1u n\u0103m t\u1edbi kh\u00f4ng ? H\u1ecd \u0111\u00e3 c\u00f3 m\u1ed9t cu\u1ed9c s\u1ed1ng \u0111\u00e1ng s\u1ed1ng kh\u00f4ng? H\u1ecd c\u00f3 h\u1ed1i h\u1eadn g\u00ec v\u1edbi nh\u1eefng vi\u1ec7c \u0111\u00e3 l\u00e0m v\u00e0 kh\u00f4ng l\u00e0m kh\u00f4ng? Hi\u1ec7n tr\u1ea1ng c\u1ee7a h\u1ecd c\u00f3 thu\u1eadn l\u1ee3i kh\u00f4ng, c\u00f3 g\u1eb7p r\u1eafc r\u1ed1i g\u00ec kh\u00f4ng?<\/p>\n

Th\u00f4ng th\u01b0\u1eddng con ng\u01b0\u1eddi ta \u00edt khi nh\u1eadn m\u00ecnh \u0111\u00e3 l\u00e0m sai m\u1ed9t c\u00e1i g\u00ec (ngay c\u1ea3 trong nh\u1eadn th\u1ee9c), nh\u01b0ng m\u1ed9t ng\u01b0\u1eddi kh\u00e1ch quan b\u00ean ngo\u00e0i nh\u00ecn s\u1ebd r\u00f5 r\u00e0ng h\u01a1n. \u0110\u00e2y l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 b\u1ea1n quan s\u00e1t ch\u00ednh m\u00ecnh trong t\u01b0\u01a1ng lai.<\/p>\n

Khi ch\u00fang ta \u0111i quanh m\u1ed9t g\u1ed1c c\u00e2y th\u00ec cho d\u00f9 1 ng\u00e0y, 1 n\u0103m hay 10 n\u0103m th\u00ec ta v\u1eabn ch\u1ec9 \u1edf g\u1ed1c c\u00e2y \u0111\u00f3. N\u1ebfu nh\u01b0 1 n\u0103m qua b\u1ea1n \u0111ang \u0111i quanh c\u00e2y rau mu\u1ed1ng m\u00e0 kh\u00f4ng h\u1ec1 suy ngh\u0129 m\u00ecnh ph\u1ea3i \u0111i t\u1edbi g\u1ed1c c\u00e2y \u0111a th\u00ec 10 n\u0103m t\u1edbi b\u1ea1n v\u1eabn c\u1ee9 \u1edf c\u00e2y rau mu\u1ed1ng. C\u00f3 th\u1ec3 l\u00e0 m\u1ed9t c\u00e2y rau mu\u1ed1ng kh\u00e1c nh\u01b0ng b\u1ea3n ch\u1ea5t v\u1eabn l\u00e0 c\u00e2y rau mu\u1ed1ng.<\/p>\n

C\u00f3 th\u1ec3 m\u1ed9t l\u00fac n\u00e0o \u0111\u00f3 trong 10 n\u0103m \u0111\u00f3 b\u1ea1n ngh\u0129 t\u1edbi ph\u1ea3i \u0111i t\u1edbi c\u00e2y \u0111a v\u00ec c\u00e2y \u0111a s\u1ebd mang cho m\u00ecnh b\u00f3ng m\u00e1t, gi\u00fap m\u00ecnh c\u1ea3m th\u1ea5y tho\u1ea3i m\u00e1i h\u01a1n \u0111\u1eb7c bi\u1ec7t khi m\u00ecnh \u0111\u00e3 l\u1edbn tu\u1ed5i. Chu\u1ea9n b\u1ecb m\u1ed9t ch\u00fat h\u00e0nh l\u00fd, l\u00e0m v\u00e0i \u0111\u1ed9ng t\u00e1c kh\u1edfi \u0111\u1ed9ng, \u0111i v\u00e0i b\u01b0\u1edbc r\u1ed3i l\u1ea1i quay l\u1ea1i v\u1edbi c\u00e2y rau mu\u1ed1ng. 10 n\u0103m v\u1edbi 10 l\u1ea7n b\u1eaft \u0111\u1ea7u nh\u01b0ng k\u1ebft qu\u1ea3 cu\u1ed1i c\u00f9ng v\u1eabn \u1edf c\u00e2y rau mu\u1ed1ng.<\/p>\n

Gi\u1ed1ng nh\u01b0 m\u1ed9t ng\u01b0\u1eddi ch\u1ea1y marathon 42 Km t\u1eeb \u0111i\u1ec3m A t\u1edbi \u0111i\u1ec3m B. Anh ta t\u1eeb A \u0111i 30 ph\u00fat r\u1ed3i ch\u00e1n n\u1ea3n quay l\u1ea1i, c\u1ee9 nh\u01b0 v\u1eady ngh\u00ecn l\u1ea7n th\u00ec c\u1ee9 v\u1eabn \u1edf A m\u00e0 th\u00f4i.<\/p>\n

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Nh\u1eefng g\u00ec ph\u1ee9c t\u1ea1p th\u00ec ch\u1eafc ch\u1eafn s\u1ebd kh\u00f4ng t\u1ed1t v\u00ec ho\u1eb7c l\u00e0 ng\u01b0\u1eddi ta ch\u1eb3ng hi\u1ec3u n\u1ed5i ho\u1eb7c l\u00e0 qu\u00e1 kh\u00f3 \u0111\u1ec3 th\u1ef1c hi\u1ec7n. M\u1ee5c ti\u00eau, con \u0111\u01b0\u1eddng b\u1ea1n \u0111i t\u1edbi trong 10 n\u0103m t\u1edbi t\u00f4i kh\u1eb3ng \u0111\u1ecbnh l\u00e0 kh\u00f4ng h\u1ec1 kh\u00f3 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u0169ng nh\u01b0 kh\u00f4ng h\u1ec1 kh\u00f3 \u0111\u1ec3 \u0111\u1ea1t t\u1edbi. C\u00e1i kh\u00f3 th\u1ee9 nh\u1ea5t l\u00e0 trong \u0111\u1ea7u b\u1ea1n th\u01b0\u1eddng quan ni\u1ec7m ph\u1ee9c t\u1ea1p th\u00ec m\u1edbi hi\u1ec7u qu\u1ea3, \u0111\u01a1n gi\u1ea3n th\u1ebf n\u00e0y l\u00e0m sao m\u00e0 mang l\u1ea1i hi\u1ec7u qu\u1ea3 \u0111\u01b0\u1ee3c.<\/p>\n

C\u00e1i kh\u00f3 th\u1ee9 hai \u0111\u00f3 l\u00e0 thi\u1ebfu t\u00ednh k\u1ef7 lu\u1eadt. M\u1ed9t con m\u00e8o \u0111en ch\u1ea1y ngang qua \u0111\u01b0\u1eddng c\u0169ng th\u1ea5y s\u1ee3 m\u00e0 quay l\u1ea1i v\u1ea1ch \u0111\u00edch. M\u1ed9t s\u1ef1 c\u00e1m d\u1ed7 nho nh\u1ecf c\u0169ng khi\u1ebfn b\u1ecf cu\u1ed9c theo s\u1ef1 c\u00e1m d\u1ed7 tr\u01b0\u1edbc m\u1eaft \u0111\u00f3.<\/p>\n

Ph\u1ee9c t\u1ea1p h\u00f3a + Thi\u1ebfu k\u1ef7 lu\u1eadt \u0111\u00f3 l\u00e0 sai l\u1ea7m chung c\u1ee7a ch\u00fang ta. Mu\u1ed1n \u0111\u1ea1t m\u1ed9t th\u1ee9 g\u00ec \u0111\u00f3 nh\u01b0ng l\u1ea1i l\u00e0m n\u00f3 qu\u00e1 ph\u1ee9c t\u1ea1p \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u1ed9ng v\u1edbi thi\u1ebfu k\u1ef7 lu\u1eadt khi\u1ebfn cho kh\u00f4ng bao gi\u1edd \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1i m\u00ecnh mu\u1ed1n.<\/p>\n

Nh\u1eefng g\u00ec t\u00f4i tr\u00ecnh b\u00e0y \u1edf \u0111\u00e2y ch\u1eb3ng c\u00f3 g\u00ec m\u1edbi, ng\u01b0\u1eddi ta \u0111\u00e3 vi\u1ebft \u0111\u1ea7y th\u00e0nh s\u00e1ch, b\u1ea1n ch\u1eafc c\u0169ng \u0111\u00e3 \u0111\u1ecdc. Nh\u01b0ng h\u00e3y c\u1ed1 g\u1eafng m\u1edf l\u00f2ng v\u00e0 c\u1ed1 g\u1eafng hi\u1ec3u \u0111\u1ec3 c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c.<\/p>\n

M\u00f4 h\u00ecnh ph\u00e1t tri\u1ec3n chung<\/span><\/h1>\n
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H\u00ecnh b\u00ean l\u00e0 m\u00f4 h\u00ecnh th\u01b0\u1eddng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 Kim t\u1ee9 \u0111\u1ed3 trong cu\u1ed1n D\u1ea1y con l\u00e0m gi\u00e0u c\u1ee7a Kiyosaki. X\u00e9t v\u1ec1 v\u1ecb tr\u00ed th\u00ec ch\u00fang ta \u0111\u1ee9ng \u1edf m\u1ed9t \u00f4 trong 4 \u00f4 n\u00e0y. Bao g\u1ed3m 1.Ng\u01b0\u1eddi l\u00e0m thu\u00ea, 2.T\u1ef1 doanh (v\u00ed nh\u01b0 t\u1ef1 b\u00e1n h\u00e0ng qua facebook b\u00e2y gi\u1edd), 3. Ch\u1ee7 doanh nghi\u1ec7p v\u00e0 4.Ng\u01b0\u1eddi \u0111\u1ea7u t\u01b0<\/span><\/p>\n

\u0110a ph\u1ea7n trong ch\u00fang ta n\u1eb1m trong \u00f4 1, ng\u01b0\u1eddi l\u00e0m thu\u00ea<\/span>. \u00d4 1 h\u00e0nh x\u1eed nh\u01b0 sau:<\/p>\n

M\u1ee5c ti\u00eau:<\/strong> L\u01b0\u01a1ng ng\u00e0y c\u00e0ng cao h\u01a1n<\/p>\n

Ph\u01b0\u01a1ng th\u1ee9c:<\/strong> Gia t\u0103ng n\u0103ng l\u1ef1c \u0111\u1ec3 ng\u00e0y c\u00e0ng c\u00f3 m\u1ee9c l\u01b0\u01a1ng cao h\u01a1n (\u1edf c\u00f9ng m\u1ed9t c\u00f4ng ty ho\u1eb7c m\u1ed9t c\u00f4ng ty kh\u00e1c)<\/p>\n

Do v\u1eady c\u1ea3 cu\u1ed9c \u0111\u1eddi c\u1ee7a ng\u01b0\u1eddi nh\u00f3m n\u00e0y theo \u0111u\u1ed5i vi\u1ec7c ng\u00e0y c\u00e0ng c\u00f3 E to h\u01a1n. Vi\u1ec7c gia t\u0103ng n\u0103ng l\u1ef1c c\u1ee7a h\u1ecd nh\u1eb1m m\u1ee5c \u0111\u00edch \u0111\u00f3. \u0110\u00f3 l\u00e0 nh\u1eefng ng\u01b0\u1eddi nh\u1eadn th\u1ee9c \u0111\u00e3 kh\u00e1 t\u1ed1t r\u1ed3i, ch\u1ee9 c\u00f2n b\u00ecnh th\u01b0\u1eddng th\u00ec ch\u1ec9 c\u1ed1 gi\u1eef kh\u01b0 kh\u01b0 c\u00e1i E m\u00ecnh \u0111ang c\u00f3, ngh\u0129 r\u1eb1ng m\u00ecnh s\u1ebd \u1edf E \u0111\u00f3 t\u1edbi khi v\u1ec1 h\u01b0u.<\/p>\n

\u0110\u00fang ra m\u1ee5c ti\u00eau c\u1ee7a ch\u00fang ta ph\u1ea3i l\u00e0 di chuy\u1ec3n t\u1eeb E sang B ho\u1eb7c I. V\u00ec B ho\u1eb7c I m\u1edbi mang l\u1ea1i nh\u1eefng th\u1ee9 ta mu\u1ed1n v\u1ec1 l\u00e2u d\u00e0i. C\u1ee5 th\u1ec3 s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa c\u00e1c \u00f4 :<\/p>\n

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