{"id":6934,"date":"2022-09-25T14:23:00","date_gmt":"2022-09-25T21:23:00","guid":{"rendered":"https:\/\/www.dognmonkey.com\/svlifevn\/?p=6934"},"modified":"2025-04-19T14:37:50","modified_gmt":"2025-04-19T21:37:50","slug":"cuoc-hanh-trinh-cua-tai-chanh-gia-dinh","status":"publish","type":"post","link":"https:\/\/www.dognmonkey.com\/svlifevn\/cuoc-hanh-trinh-cua-tai-chanh-gia-dinh.html","title":{"rendered":"Cu\u1ed9c H\u00e0nh Tr\u00ecnh C\u1ee7a T\u00e0i Ch\u00e1nh Gia \u0110\u00ecnh"},"content":{"rendered":"<p style=\"text-align: center;\"><a href=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_xmas_yard.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-6935\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_xmas_yard.jpg\" alt=\"Xmas Yard 2024\" width=\"600\" height=\"337\" srcset=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_xmas_yard.jpg 600w, https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_xmas_yard-300x169.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p class=\"p1\"><em>H\u00f4m nay ch\u1ee7 Nh\u1eadt, kh\u00f4ng c\u00f3 golf \u0111\u1ec3 coi. B\u00e0 x\u00e3 n\u00f3i tu\u1ea7n t\u1edbi l\u00e0 sinh nh\u1eadt em \u00fat b\u1ea3 50. M\u00ecnh gi\u1eadt m\u00ecnh th\u1ea5y n\u00f3 c\u00f2n tr\u1ebb m\u00e0 c\u0169ng 5 b\u00f3. M\u00ecnh ch\u1ee3t ngh\u0129 t\u1edbi trong nh\u00e0 m\u1ecdi ng\u01b0\u1eddi c\u0169ng tu\u1ed5i n\u00e0y ho\u1eb7c l\u1edbn h\u01a1n v\u00e0 m\u00ecnh mu\u1ed1n chia s\u1ebb cu\u1ed9c h\u00e0nh tr\u00ecnh v\u1ec1 t\u00e0i ch\u00e1nh c\u1ee7a hai v\u1ee3 ch\u1ed3ng m\u00ecnh t\u1eeb l\u00fac l\u1ea5y nhau n\u0103m 2003. B\u00e0i n\u00e0y s\u1ebd d\u00e0i, l\u01b0\u1eddi \u0111\u1ecdc th\u00ec b\u1ecf qua. M\u00ecnh s\u1ebd k\u1ec3 t\u1ea5t c\u1ea3 m\u1ecdi s\u1ef1 ki\u1ec7n m\u00e0 b\u00e2y gi\u1edd ngh\u0129 l\u1ea1i n\u00f3 kh\u00f4ng kh\u00f3 kh\u0103n nh\u01b0 m\u1ecdi ng\u01b0\u1eddi bi quan ngh\u0129 m\u00e0 n\u00f3 c\u00f3 th\u1ec3 gi\u00fap m\u1ecdi ng\u01b0\u1eddi \u0111ang trong tr\u01b0\u1eddng h\u1ee3p m\u00ecnh \u0111\u00e3 tr\u1ea3i qua 19 n\u0103m qua.<\/em><\/p>\n<p class=\"p1\"><em>Theo m\u00ecnh th\u00ec s\u1ed1ng sao th\u00ec s\u1ed1ng, h\u1eadu v\u1eadn l\u00e0 quan tr\u1ecdng nh\u1ea5t v\u00ec khi m\u00ecnh l\u1edbn tu\u1ed5i, kh\u00f4ng c\u00f2n s\u1ee9c \u0111\u1ec3 ph\u1ea5n \u0111\u1ea5u v\u00e0 ch\u1ecbu \u0111\u1ef1ng nh\u01b0 tr\u1ebb n\u00ean ph\u1ea3i planning cho tu\u1ed5i gi\u00e0. <a href=\"https:\/\/www.ssa.gov\/\" target=\"_blank\" rel=\"noopener\"><button class=\"w3-button w3-blue w3-round-xlarge\">Social Security (ssagov)<\/button><\/a>, ph\u1ea3i bi\u1ebft m\u00ecnh s\u1ebd \u0111\u01b0\u1ee3c l\u1ea5y ti\u1ec1n SS n\u0103m m\u1ea5y tu\u1ed5i v\u00e0 \u0111\u01b0\u1ee3c bao nhi\u00eau \u0111\u1ec3 c\u00f2n t\u00ednh chuy\u1ec7n \u0111\u1ec3 d\u00e0nh cho hai v\u1ee3 ch\u1ed3ng. Thi\u1ec7t ra ti\u1ec1n s\u1ed1ng kh\u00f4ng quan tr\u1ecdng b\u1eb1ng ti\u1ec1n health insurance, hai v\u1ee3 ch\u1ed3ng \u0111i l\u00e0m m\u00e0 khi v\u1ec1 h\u01b0u SS c\u00f3 c\u1ee1 $5k l\u00e0 \u0111\u1ee7 s\u1ed1ng nh\u01b0ng ph\u1ea3i c\u00f3 ti\u1ec1n cho extra insurance, \u0111i du l\u1ecbch, ai c\u0169ng n\u00f3i SS s\u1ebd kh\u00f4ng c\u00f2n t\u1eeb n\u0103m 90 t\u1edbi gi\u1edd, n\u00f3 lu\u00f4n lu\u00f4n c\u00f2n. C\u00f3 con c\u00e1i, ti\u1ec1n h\u1ecdc c\u1ee7a t\u1ee5i n\u00f3 t\u1ed1n bao nhi\u00eau v\u00e0 l\u00e0m sao \u0111\u1ec3 d\u00e0nh, m\u00ecnh th\u00ec kh\u00f4ng mu\u1ed1n gian v\u1edbi ch\u00ednh ph\u1ee7 n\u00ean nghe chuy\u1ec7n gi\u1ea3 v\u1edd ly d\u1ecb, tr\u1ed1n thu\u1ebf \u0111\u1ec3 con \u0111\u01b0\u1ee3c h\u1ecdc kh\u00f4ng t\u1ed1n ti\u1ec1n l\u00e0 kh\u00f4ng c\u00f3 m\u00ecnh, m\u00ecnh tin v\u00e0o Karma, kh\u00f4ng ai gian \u0111\u01b0\u1ee3c ai kh\u1ecfi tr\u00e1i \u0111\u1ea5t n\u00e0y, m\u00ecnh kh\u00f4ng tr\u1ea3, con s\u1ebd ph\u1ea3i tr\u1ea3, lu\u1eadt b\u00f9 tr\u1eeb. Khi hai v\u1ee3 ch\u1ed3ng m\u00ecnh l\u1ea5y nhau, c\u00f3 ng\u01b0\u1eddi khuy\u00ean m\u00ecnh n\u00ean khai bankruptcy \u0111\u1ec3 tho\u00e1t c\u00e1i n\u1ee3 c\u1ee7a hai ng\u01b0\u1eddi l\u00e0 $160k, nh\u01b0ng hai v\u1ee3 ch\u1ed3ng ngh\u0129 m\u00ecnh s\u1ed1ng b\u1eady, mang n\u1ee3 th\u00ec ph\u1ea3i tr\u1ea3 cho h\u1ebft thay v\u00ec gian l\u1eadn v\u00e0 nh\u1ea5t l\u00e0 hai v\u1ee3 ch\u1ed3ng kho\u1ebb m\u1ea1nh v\u1eabn \u0111i l\u00e0m \u0111\u01b0\u1ee3c. <strong>\u00d4ng tr\u1eddi c\u00f3 m\u1eaft, Karma c\u00f3 th\u1eadt v\u00e0 \u0111\u1ed3ng v\u1ee3 \u0111\u1ed3ng ch\u1ed3ng t\u00e1t b\u1ec3 \u0111\u00f4ng c\u0169ng c\u1ea1n.<\/strong><\/em><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><em><b>2003:<\/b> l\u00e0m \u0111\u00e1m c\u01b0\u1edbi, m\u00ecnh l\u00e0m $85k, v\u1ee3 l\u00e0m $60k, n\u1ee3 $160k, nh\u1eabn v\u00e0 \u0111\u00e1m c\u01b0\u1edbi kh\u00f4ng t\u1edbi $15k. \u0110i m\u01b0\u1edbn condo $1100, hai ph\u00f2ng ng\u1ee7 nh\u1ecf \u0111\u1ec3 m\u1ed9t ph\u00f2ng cho con khi c\u00f3. Mua xe Audi station wagon c\u0169 1996 \u0111\u1ec3 cho s\u1ef1 an to\u00e0n khi c\u00f3 con $10k, m\u00ecnh c\u00f3 xe A6 h\u1ed3i mua m\u1edbi khi \u0111\u1ed9c th\u00e2n gi\u1eef \u0111i l\u00e0m. M\u00ecnh d\u00f9ng l\u01b0\u01a1ng tr\u1ea3 h\u1ebft ti\u1ec1n nh\u00e0, \u0103n u\u1ed1ng, b\u00e0 x\u00e3 d\u00f9ng l\u01b0\u01a1ng tr\u1ea3 n\u1ee3. M\u00ecnh ch\u01b0a bao gi\u1edd b\u1ecf ti\u1ec1n v\u00e0o 401k cho t\u1edbi n\u0103m 2000, b\u1ecf v\u00e0o $10k m\u1ed9t n\u0103m, c\u1ea3 hai v\u1ee3 ch\u1ed3ng b\u1eaft \u0111\u1ea7u 401k. Kh\u00f4ng bi\u1ebft m\u1ed9t t\u00ed g\u00ec v\u1ec1 401k l\u00e0 g\u00ec, ch\u1ec9 bi\u1ebft \u0111\u1ec3 d\u00e0nh v\u00e0 \u0111\u01b0\u1ee3c tr\u1eeb thu\u1ebf m\u00e0 th\u00f4i.<\/em><\/li>\n<\/ul>\n<ul class=\"ul1\">\n<li class=\"li1\"><em><b>2004:<\/b> Con g\u00e1i \u0111\u1ea7u l\u00f2ng ra \u0111\u1eddi, hai v\u1ee3 ch\u1ed3ng c\u1ed1 tr\u1ea3 cho h\u1ebft n\u1ee3 v\u00ec t\u00ednh chuy\u1ec7n mua nh\u00e0 khi \u0111\u1ee9a th\u1ee9 hai ra \u0111\u1eddi. B\u00e0 x\u00e3 b\u1ecb m\u1ea5t vi\u1ec7c m\u1ed9t v\u00e0i th\u00e1ng l\u00e0m vi\u1ec7c tr\u1ea3 n\u1ee3 kh\u00f3 kh\u0103n h\u01a1n ch\u00fat nh\u01b0ng v\u1eabn \u0111\u1ee7 ti\u1ec1n s\u1edf h\u1ee5i v\u1edbi m\u1ed9t \u0111\u1ea7u l\u01b0\u01a1ng. H\u00e3ng m\u00ecnh c\u00f3 ESPP, m\u00ecnh mu\u1ed1n c\u00f3 ti\u1ec1n cho v\u1ee3 con \u0111i vacation b\u1ecf v\u00e0o t\u1ed1i \u0111a s\u1edf cho l\u00e0 15% c\u1ee7a l\u01b0\u01a1ng v\u00e0 m\u1ed7i n\u0103m \u0111\u01b0\u1ee3c l\u1eddi \u00edt nh\u1ea5t l\u00e0 15% m\u00e0 n\u0103m n\u00e0o m\u00ecnh c\u0169ng \u0111\u01b0\u1ee3c l\u1eddi tr\u00ean 20%. Cho con \u0111i Hawaii. Hai v\u1ee3 ch\u1ed3ng n\u0103m n\u00e0o c\u0169ng \u0111i Reno cho con ch\u01a1i tuy\u1ebft v\u00ec m\u00ecnh \u0111\u00e1nh b\u00e0i kh\u00f4ng thua m\u00e0 c\u00f2n c\u00f3 ti\u1ec1n s\u1edf h\u1ee5i.<\/em><\/li>\n<\/ul>\n<ul class=\"ul1\">\n<li class=\"li1\"><em><b>2006:<\/b> Th\u1eb1ng b\u00e9 con ra \u0111\u1eddi, s\u1ed1 h\u00ean l\u00e0 hai v\u1ee3 ch\u1ed3ng \u0111\u00e1nh \u0111\u00e2u tr\u00fang \u0111\u00f3, b\u1ea3 bi\u1ebft khi n\u00e0o tr\u1ee9ng r\u1ee5ng l\u00e0 hai v\u1ee3 ch\u1ed3ng \u0111i Reno, v\u1ec1 l\u00e0 c\u00f3 con ngay, m\u00ecnh c\u0169ng m\u1eebng. $160k N\u1ee3 c\u0169ng \u0111\u00e3 g\u1ea7n h\u1ebft.<\/em><\/li>\n<\/ul>\n<ul class=\"ul1\">\n<li class=\"li1\"><em><b>2007<\/b>: B\u00e0n t\u00ednh chuy\u1ec7n mua nh\u00e0, \u0111\u00e2y l\u00e0 c\u00e1i investment \u0111\u1ea7u ti\u00ean v\u00e0 b\u1ea3o \u0111\u1ea3m nh\u1ea5t trong \u0111\u1eddi m\u00ecnh, hai v\u1ee3 ch\u1ed3ng ph\u1ea3i \u0111\u1ed3ng \u00fd. L\u01b0\u01a1ng m\u00ecnh l\u00ean \u0111\u01b0\u1ee3c g\u1ea7n $100k, b\u00e0 x\u00e3 $65k, n\u1ee3 \u0111\u00e3 h\u1ebft. Nh\u01b0ng kh\u00f4ng c\u00f3 ti\u1ec1n down, con em h\u1ee9a cho m\u01b0\u1ee3n ti\u1ec1n mua nh\u00e0 nh\u01b0ng b\u00e0 x\u00e3 kh\u00f4ng mu\u1ed1n m\u1eafc n\u1ee3 ai n\u00ean mu\u1ed1n m\u00ecnh t\u1ef1 l\u1eadp. H\u00ean l\u00e0 h\u00e3ng l\u00fac \u0111i l\u00e0m n\u00f3 cho stock options, b\u00e1n m\u1ed9t s\u1ed1 \u0111\u01b0\u1ee3c l\u1eddi $60k, th\u1ebf l\u00e0 \u0111i ki\u1ebfm nh\u00e0. Ng\u00e0y x\u01b0a th\u00edch khu Milpitas nh\u01b0ng sau n\u00e0y ch\u1ee3t nh\u1edb ra l\u00e0 mua nh\u00e0 cho con c\u00e1i \u0111i h\u1ecdc, th\u00ec ki\u1ebfm ra nh\u00e0 \u1edf Fremont, xa h\u01a1n SJ nh\u01b0ng tr\u01b0\u1eddng h\u1ecdc th\u1eadt t\u1ed1t, b\u00e0 x\u00e3 nh\u1ea5t \u0111\u1ecbnh mua khu n\u00e0y. L\u1ea1i h\u00ean n\u1eefa, gi\u00e1 nh\u00e0 b\u1eaft \u0111\u1ea7u \u0111i xu\u1ed1ng, ki\u1ebfm \u0111\u01b0\u1ee3c nh\u00e0 gi\u00e1 r\u1ebb h\u01a1n tr\u01b0\u1edbc nhi\u1ec1u, gi\u00e1 v\u1eabn cao $835k d\u00f9 \u0111\u00e3 xu\u1ed1ng r\u1ed3i. B\u00e0 x\u00e3 s\u1ee3 kh\u00f4ng \u0111\u1ee7 ti\u1ec1n mua v\u00e0 s\u1ed1ng n\u1ebfu mua c\u0103n nh\u00e0 n\u00e0y. M\u00ecnh nh\u00ecn <b>con g\u00e1i v\u00e0 con trai c\u01b0\u1eddi t\u01b0\u01a1i, m\u00ecnh n\u00f3i v\u1edbi b\u00e0 x\u00e3, m\u00ecnh s\u1ebd mua \u0111\u01b0\u1ee3c, hai \u0111\u1ee9a con m\u00ecnh t\u01b0\u01a1i vui v\u00e0 m\u00ecnh s\u1ebd l\u00e0m cho n\u00f3 m\u1ed9t \u0111\u1eddi s\u1ed1ng t\u1ed1t, tr\u1eddi s\u1ebd kh\u00f4ng ph\u1ee5 m\u00ecnh, em s\u1ebd c\u00f3 vi\u1ec7c v\u00e0 anh s\u1ebd c\u00f3 vi\u1ec7c, \u0111\u1eebng lo, m\u00ecnh nh\u1ecbn \u0111i \u0103n ngo\u00e0i l\u00e0 \u0111\u1ee7 cho m\u00e0 coi<\/b>. Tr\u1ea3 gi\u00e1 xu\u1ed1ng $760k v\u00e0 mua \u0111\u01b0\u1ee3c c\u0103n nh\u00e0 hai v\u1ee3 ch\u1ed3ng \u0111\u1ec1u th\u00edch. \u201c\u0111\u1ed3ng v\u1ee3 \u0111\u1ed3ng ch\u1ed3ng, t\u00e1t b\u1ec3 \u0111\u00f4ng c\u0169ng c\u1ea1n #1\u201d. Down 10%, piggy loan 10%, interest 7.25% m\u1ed7i th\u00e1ng tr\u1ea3 \u0111\u1ee7 th\u1ee9 ti\u1ec1n g\u1ea7n $7500, kh\u00e1 ch\u1eadt v\u1eadt, b\u00e0 x\u00e3 v\u00e0 m\u00ecnh kh\u00f4ng b\u1ecf 401k n\u1eefa v\u00ec ti\u1ec1n l\u1eddi c\u1ee7a nh\u00e0 kh\u00e1 nhi\u1ec1u (\u0111\u1ecdc b\u00e0i m\u00ecnh vi\u1ebft v\u1ec1 mortgage v\u00e0 tr\u00e1nh adjustable 5 years, t\u1ed1n r\u1ea5t nhi\u1ec1u ti\u1ec1n \u0111\u1ec3 refinance khi c\u00e1i h\u1ea1n 5 n\u0103m t\u1edbi m\u00e0 kh\u00f4ng c\u00f3 equity). B\u00e2y gi\u1edd vi\u1ec7c \u0111\u1ea7u ti\u00ean l\u00e0 ph\u1ea3i th\u1eaft l\u01b0ng bu\u1ed9c b\u1ee5ng \u0111\u1ec3 d\u00e0nh \u0111\u1ee7 6 th\u00e1ng ti\u1ec1n s\u1edf h\u1ee5i cho gia \u0111\u00ecnh y\u00ean t\u00e2m v\u1ec1 t\u00e0i ch\u00e1nh. Ti\u1ec1n l\u1eddi c\u1ee7a ESPP v\u1eabn \u0111\u1ee7 cho gia \u0111\u00ecnh \u0111i vacation v\u00e0 c\u00e1ch \u0111\u00e1nh b\u00e0i v\u1eabn \u0111\u1ee7 \u0111i New Year \u1edf Reno. N\u0103m nay, ti\u1ec1n l\u00e3i kh\u00f4ng \u0111\u01b0\u1ee3c tr\u1eeb thu\u1ebf h\u1ebft nh\u01b0 ng\u00e0y x\u01b0a, h\u00ecnh nh\u01b0 t\u1ed1i \u0111a l\u00e0 $700k, ph\u1ea3i coi l\u1ea1i tr\u01b0\u1edbc khi mua nh\u00e0 qu\u00e1 \u0111\u1eaft ti\u1ec1n.<\/em><\/li>\n<\/ul>\n<ul class=\"ul1\">\n<li class=\"li1\"><em><b>2008<\/b>: Market crashed, ti\u1ec1n d\u1ef1 tr\u1eef \u0111\u00e3 \u0111\u1ee7 6 th\u00e1ng ti\u1ec1n s\u1edf h\u1ee5i h\u00e0ng th\u00e1ng, b\u00e2y gi\u1edd t\u1edbi l\u00fac \u0111\u1ec3 d\u00e0nh ti\u1ec1n cho t\u01b0\u01a1ng lai, h\u1eadu v\u1eadn. N\u1ebfu ai \u0111\u1ecdc b\u00e0i c\u0169 s\u1ebd th\u1ea5y m\u00ecnh c\u00f3 ba accounts v\u1ec1 t\u00e0i ch\u00e1nh gia \u0111\u00ecnh, cashflow, short term investment v\u00e0 long term investment.<\/em><\/li>\n<\/ul>\n<ul class=\"ul1\">\n<li class=\"li1\"><em>B\u00e2y gi\u1edd l\u00e0m to\u00e1n, b\u1ecf v\u00e0o 401k m\u1ed7i n\u0103m $15k \u0111\u1ec3 catch up v\u00ec s\u1eafp 5 b\u00f3 r\u1ed3i, $15k x 20 n\u0103m s\u1ebd c\u00f3 $300k. B\u00e0 x\u00e3 c\u0169ng v\u1eady l\u00e0 hai v\u1ee3 ch\u1ed3ng s\u1ebd c\u00f3 $600k khi v\u1ec1 h\u01b0u. C\u00f2n ti\u1ec1n t\u1ee5i nh\u1ecf \u0111i h\u1ecdc n\u1eefa. Ph\u1ea3i c\u00f9ng nhau coi l\u1ea1i 401k v\u00e0 ti\u1ec1n \u0111\u1ec3 d\u00e0nh l\u00e0m sao cho n\u00f3 \u0111\u1ebb ra ti\u1ec1n. Warren Buffet c\u00f3 n\u00f3i khi m\u00ecnh ng\u1ee7, ti\u1ec1n m\u00ecnh v\u1eabn ph\u1ea3i l\u00e0m vi\u1ec7c v\u00e0 ki\u1ebfm ra ti\u1ec1n, ph\u1ea3i invest th\u00ec khi m\u00ecnh ng\u1ee7 ch\u1ee9ng kho\u00e1n s\u1ebd ki\u1ebfm ti\u1ec1n cho m\u00ecnh. B\u00e0 x\u00e3 mu\u1ed1n m\u1ed9t chi\u1ebfc Q7 SUV m\u1edbi \u0111\u1ec3 ch\u1edf con \u0111i h\u1ecdc, hai v\u1ee3 ch\u1ed3ng mua chi\u1ebfc xe m\u1edbi \u0111\u1ea7u ti\u00ean cho gia \u0111\u00ecnh, l\u1ea7n \u0111\u1ea7u ti\u00ean d\u00e1m li\u1ec1u tr\u1ea3 $50k cho m\u1ed9t c\u00e1i xe, lo kinh ho\u00e0ng nh\u01b0ng nh\u00ecn b\u00e0 x\u00e3 vui m\u00ecnh c\u0169ng y\u00ean t\u00e2m, nh\u01b0ng lease n\u00ean kh\u00f4ng th\u1ea5y n\u1eb7ng l\u1eafm m\u00e0 ti\u1ec1n l\u00e3i l\u00e0 0%.<\/em><\/li>\n<\/ul>\n<ul class=\"ul1\">\n<li class=\"li1\"><em>B\u00e0 x\u00e3 l\u00e0m cho m\u1ed9t h\u00e3ng startup nh\u1ecf, c\u00f3 401k c\u1ee7a m\u1ed9t t\u1ee5i v\u1edb v\u1ea9n n\u00e0o, n\u0103m 2000 b\u1ea3 b\u1eaft \u0111\u1ea7u b\u1ecf v\u00e0o $10k m\u1ed9t n\u0103m, kh\u00f4ng bi\u1ebft mua g\u00ec, h\u00e3ng mua cho b\u1ea3 m\u1ed9t fund v\u1edb v\u1ea9n n\u00e0o \u0111\u00f3, t\u1edbi n\u0103m 2010, h\u00ean, b\u1ea3 b\u1ecb layoff v\u00e0i th\u00e1ng, m\u00ecnh b\u1ea3o b\u1ea3 roll over qua Schwab IRA , nh\u01b0ng l\u00fac \u0111\u00f3 kh\u00f4ng bi\u1ebft Roth IRA n\u00ean kh\u00f4ng chuy\u1ec3n qua, m\u1ed9t sai l\u1ea7m qu\u00e1 n\u1eb7ng. Sau 10 n\u0103m, b\u1ea3 c\u00f3 trong 401k l\u00e0 g\u1ea7n $80k, l\u1ed7 $20k v\u00ec h\u00e3ng qu\u00e1 d\u1ed5m. Kh\u00f4ng sao, m\u00ecnh b\u1ea3o b\u1ea3 mua h\u1ebft SP500 c\u1ee7a Schwab <b>SWPPX<\/b> l\u00fac \u0111\u00f3 $17 \u0111\u01b0\u1ee3c 4500 shares. T\u1edbi n\u0103m 2016 h\u00e3ng l\u1ea1i ch\u1ebft n\u1eefa, k\u1ef3 n\u00e0y 401k \u0111\u01b0\u1ee3c $70k sau 5.5 n\u0103m, l\u1eddi \u0111\u01b0\u1ee3c m\u1ed9t ch\u00fat, l\u1ea1i roll over qua IRA Schwab, k\u1ef3 n\u00e0y b\u1ea3 mu\u1ed1n \u0111i theo m\u00ecnh trade <b>Gapup\/Gapdown<\/b> (n\u00ean \u0111\u1ecdc v\u00e0 coi video m\u00ecnh l\u00e0m v\u1ec1 c\u00e1i n\u00e0y), b\u00e1n h\u1ebft SP500 \u1edf $32-$34, g\u1ea7n \u0111\u01b0\u1ee3c 100% trong 6 n\u0103m, qu\u00e1 t\u1ed1t.<span class=\"Apple-converted-space\">\u00a0 <\/span>B\u1ea3 theo m\u00ecnh trade cho t\u1edbi n\u0103m 2020, \u0111\u1ea7u n\u0103m m\u00ecnh n\u00f3i b\u00e1n h\u1ebft stocks, kh\u00f4ng gi\u1eef c\u00e1i n\u00e0o. Khi market r\u1edbt v\u00ec COVID, m\u00ecnh n\u00f3i b\u1ea3 mua h\u1ebft SP500 c\u1ee7a Schwab l\u1ea1i v\u00ec qu\u00e1 nhi\u1ec1u h\u00e3ng r\u1edbt, kh\u00f4ng bi\u1ebft l\u1ef1a c\u00e1i n\u00e0o, l\u00fac n\u00e0y b\u1ea3 c\u00f3 $300k, mua \u0111\u01b0\u1ee3c 8000 shares \u1edf $34, b\u1ea3 kh\u00f4ng d\u00e1m mua h\u1ebft. Khi market tr\u1edf l\u1ea1i, b\u00e1n h\u1ebft \u1edf $64 r\u1ed3i ra ngo\u00e0i (n\u00f3 l\u00ean lu\u00f4n $70 h\u01a1i ti\u1ebfc). M\u00ecnh th\u00ec mua h\u1ebft <b>FXAIX<\/b> 4500 shares \u1edf $80-$83 b\u00e1n \u1edf $145 (n\u00f3 l\u00ean lu\u00f4n $165 kh\u00f4ng bao gi\u1edd b\u00e1n \u0111\u01b0\u1ee3c cao nh\u1ea5t). B\u1ea3 qu\u00e1 m\u1eebng, t\u1eeb $80k t\u1eeb n\u0103m 2010 cho t\u1edbi 2020 b\u1ea3 \u0111\u00e3 c\u00f3 $512k, v\u00e0 n\u0103m 2021, b\u1ea3 b\u1eadn kh\u00f4ng c\u00f3 gi\u1edd trade theo m\u00ecnh, nh\u1eefng c\u0169ng l\u1eb7t v\u1eb7t v\u00e0 h\u00f4m qua c\u0169ng c\u00f3 $550k. N\u1ebfu nh\u00ecn c\u00e1i chart c\u1ee7a SP500 th\u00ec r\u1ea5t \u0111\u1eb9p, \u0111i th\u1eb3ng th\u1eebng c\u1ea3 m\u1ea5y ch\u1ee5c n\u0103m nay, nh\u01b0ng n\u1ebfu b\u1ea3 \u1edf trong SP500 t\u1eeb n\u0103m 2010 t\u1edbi gi\u1edd th\u00ec b\u1ea3 s\u1ebd c\u00f3 4500 x $70 = $315k, c\u0169ng qu\u00e1 \u0111\u1eb9p nh\u01b0ng b\u1ea3 th\u00edch $550k h\u01a1n. Thi\u1ec7t ra quay \u0111i quay l\u1ea1i l\u00e0 5-10 n\u0103m r\u1ed3i, n\u00ean \u0111\u1ec3 \u00fd coi gia \u0111\u00ecnh c\u00f3 ti\u1ebfn kh\u00f4ng, c\u00e1i kinh ho\u00e0ng c\u1ee7a \u0111\u1eddi s\u1ed1ng l\u00e0 kh\u00f4ng ti\u1ebfn ngh\u0129a l\u00e0 l\u00f9i.<\/em><\/li>\n<\/ul>\n<ul class=\"ul1\">\n<li class=\"li1\"><em><b>2021:<\/b> Con m\u00ecnh c\u00f3 \u00fd \u0111\u1ecbnh \u1edf CA v\u00e0 mu\u1ed1n m\u00ecnh gi\u1eef nh\u00e0 cho hai \u0111\u1ee9a, m\u00ecnh refinance 2.5% \u0111\u1ec3 ti\u1ec1n nh\u00e0 xu\u1ed1ng th\u1ea5p cho t\u1ee5i nh\u1ecf d\u1ec5 tr\u1ea3 v\u00ec gi\u00e1 nh\u00e0 b\u00e2y gi\u1edd khu m\u00ecnh kh\u00e1 \u0111\u1eaft, c\u00f3 th\u1ec3 hai \u0111\u1ee9a s\u1ebd kh\u00f4ng c\u00f3 ti\u1ec1n mua.<span class=\"Apple-converted-space\">\u00a0 <\/span>Ti\u1ec1n gi\u00e0 m\u00ecnh c\u00f3 \u0111\u1ee7, kh\u00f4ng c\u1ea7n b\u00e1n nh\u00e0 \u0111\u1ec3 v\u1ec1 h\u01b0u, 7 n\u0103m n\u1eefa m\u00ecnh s\u1ebd c\u00f3 d\u01b0 ti\u1ec1n cho t\u1ee5i nh\u1ecf n\u1ebfu n\u00f3 c\u1ea7n, \u0111\u1eddi s\u1ed1ng b\u00e2y gi\u1edd c\u00e0ng ng\u00e0y c\u00e0ng kh\u00f3, th\u1ebf h\u1ec7 t\u1edbi ch\u1eafc ch\u1eafn s\u1ebd kh\u00f3 kh\u0103n h\u01a1n th\u1ebf h\u1ec7 m\u00ecnh \u0111ang s\u1ed1ng. C\u00e1i n\u01b0\u1edbc M\u1ef9 c\u00e0ng ng\u00e0y c\u00e0ng \u0111i v\u00e0o Socialism, s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa ng\u01b0\u1eddi c\u00f3 ti\u1ec1n v\u00e0 kh\u00f4ng s\u1ebd c\u00e0ng ng\u00e0y c\u00e0ng xa nhau.<\/em><\/li>\n<\/ul>\n<ul class=\"ul1\">\n<li class=\"li1\"><em>N\u00ean \u0111\u1ecdc b\u00e0i m\u00ecnh vi\u1ebft v\u1ec1 <b>401k, IRA, ROTH<\/b> \u0111\u1ec3 t\u1ef1 m\u00ecnh manage c\u00e1i portfolio c\u1ee7a m\u00ecnh. Trong 401k c\u00f3 nhi\u1ec1u Index kh\u00e1c nhau, m\u00ecnh n\u00ean nh\u00ecn theo t\u00ecnh tr\u1ea1ng kinh t\u1ebf \u0111\u1ec3 bi\u1ebft sector n\u00e0o \u0111ang b\u1ecb kh\u1ee7ng ho\u1ea3ng, sector n\u00e0o \u0111ang b\u1ed1c, th\u00ec b\u1ecf ti\u1ec1n qua Index \u0111ang b\u1ecb kh\u1ee7ng ho\u1ea3ng v\u00ec th\u01b0\u01a1ng m\u1ea1i n\u00e0o c\u0169ng xu\u1ed1ng r\u1ed3i l\u00ean. Th\u00ed d\u1ee5 b\u00e2y gi\u1edd c\u1ea3 SP500 v\u00e0 tech l\u00e0 NASDAQ xu\u1ed1ng kinh ho\u00e0ng, ngo\u00e0i ra trong tech th\u00ec c\u00f3 Semiconductor \u0111ang b\u1ecb kh\u1ee7ng ho\u1ea3ng n\u1eb7ng n\u1ec1. B\u1ecf ti\u1ec1n v\u00e0o 3 c\u00e1i n\u00e0y th\u1ebf n\u00e0o n\u00f3 c\u0169ng s\u1ebd l\u00ean v\u00e0 l\u00ean nhi\u1ec1u. Ngo\u00e0i ra Retail v\u00e0 Internet retail c\u0169ng \u0111ang xu\u1ed1ng r\u1ea5t n\u1eb7ng. 401k v\u00e0 IRA l\u00e0 cho t\u01b0\u01a1ng lai, t\u00ednh theo n\u0103m ch\u1ee9 kh\u00f4ng ph\u1ea3i theo ng\u00e0y. M\u00ecnh bi\u1ebft VN \u0111\u1ec3 d\u00e0nh ti\u1ec1n gi\u1ecfi $50k-$100k c\u0169ng c\u00f3 ho\u1eb7c h\u01a1n. B\u00e0 x\u00e3 t\u1eeb <b>$80k + $70k<\/b> n\u0103m 2010-2016 t\u1edbi gi\u1edd c\u0169ng ch\u1ec9 h\u01a1n 10 n\u0103m l\u00ean t\u1edbi <b>$550k<\/b>. C\u00f2n c\u1ee7a m\u00ecnh c\u0169ng b\u1eaft \u0111\u1ea7u t\u1eeb 2008 t\u1edbi gi\u1edd c\u0169ng nhi\u1ec1u h\u01a1n b\u00e0 x\u00e3. Ph\u1ea3i \u0111\u1ed3ng v\u1ee3 \u0111\u1ed3ng ch\u1ed3ng m\u00e0 c\u00f9ng nhau ti\u1ebfn. M\u1ed7i ch\u1ee7 nh\u1eadt m\u00ecnh coi portfolio c\u1ee7a m\u00ecnh nh\u01b0 th\u1ebf n\u00e0o, kinh t\u1ebf ra sao \u0111\u1ec3 \u0111o\u00e1n s\u1ebd b\u1ecf ti\u1ec1n v\u00e0o nh\u1eefng sector n\u00e0o. N\u00f3 kh\u00f4ng kh\u00f3 ch\u1ec9 c\u1ea7n t\u00e2m \u0111\u1ea7u \u00fd h\u1ee3p v\u1edbi v\u1ee3 ch\u1ed3ng, c\u00f9ng nhau n\u00f3i chuy\u1ec7n b\u00e0n t\u00ednh nh\u01b0 th\u1ebf n\u00e0o. C\u1ea3 hai c\u00f9ng l\u00e0m th\u00ec th\u01b0\u1eddng th\u01b0\u1eddng ra \u0111\u00fang h\u01a1n thay v\u00ec m\u1ed9t ng\u01b0\u1eddi ngh\u0129 \u201c\u0111\u1ed3ng v\u1ee3 \u0111\u1ed3ng ch\u1ed3ng t\u00e1t b\u1ec3 \u0111\u00f4ng c\u0169ng c\u1ea1n #2\u201d. M\u00ecnh c\u00f3 con em, ch\u1ed3ng l\u00fac tr\u01b0\u1edbc \u0111i l\u00e0m, n\u00f3 \u1edf nh\u00e0 tr\u00f4ng con, ch\u1ec9 \u0111\u1ea7u t\u01b0 m\u00e0 r\u1ea5t kh\u00e1. C\u00e1i short term investment c\u1ee7a gia \u0111\u00ecnh m\u00ecnh cho con c\u00e1i \u0111i h\u1ecdc c\u0169ng v\u00e0i tr\u0103m ng\u00e0n r\u1ed3i, m\u1ed7i th\u00e1ng khi con b\u00e9 \u0111i h\u1ecdc University m\u00ecnh s\u1ebd l\u1ea5y ra tr\u1ea3 ti\u1ec1n h\u1ecdc cho n\u00f3. Kh\u00f3 kh\u00f4ng kh\u00f3 v\u00ec ng\u0103n s\u00f4ng c\u00e1ch n\u00fai v\u00e0 kh\u00f3 v\u00ec l\u00f2ng ng\u01b0\u1eddi ng\u1ea1i n\u00fai e s\u00f4ng. Mu\u1ed1n l\u00e0m hay kh\u00f4ng th\u00f4i. R\u1ea3nh th\u00ec \u0111\u1ecdc v\u00e0 coi nh\u1eefng videos m\u00ecnh l\u00e0m v\u1ec1 c\u00e1ch m\u00ecnh \u0111\u1ea7u t\u01b0, n\u00f3 gi\u00fap m\u00ecnh ti\u1ebfn, kh\u00f4ng nhi\u1ec1u c\u0169ng \u00edt. \u0110\u1eebng s\u1ee3 ch\u1ee9ng kho\u00e1n v\u00ec c\u1ea3 n\u01b0\u1edbc tr\u00f4ng nh\u1edd v\u00e0o n\u00f3, mua <b>Index v\u00e0 ETF<\/b> th\u00f4i th\u00ec \u0103n ch\u1eafc m\u1eb7c b\u1ec1n. Ph\u1ea3i nh\u1edb, ti\u1ec1n kh\u00f4ng ki\u1ebfm ra ti\u1ec1n th\u00ec n\u00f3 s\u1ebd m\u1ea5t gi\u00e1 v\u00ec l\u1ea1m ph\u00e1t m\u1ed7i n\u0103m.<\/em><\/li>\n<\/ul>\n<ul class=\"ul1\">\n<li class=\"li1\"><em>Ng\u01b0\u1eddi n\u00e0o l\u00ec th\u00ec n\u00ean invest v\u00e0o b\u1ea5t \u0111\u1ed9ng s\u1ea3n, c\u00f3 th\u1ec3 kh\u00f4ng c\u00f3 ti\u1ec1n m\u1eb7t nhi\u1ec1u nh\u01b0ng khi b\u00e1n h\u1ebft b\u1ea5t \u0111\u1ed9ng s\u1ea3n s\u1ebd c\u00f3 c\u1ea3 t\u1ef7 b\u1ea1c, n\u00f3 g\u1ecdi l\u00e0 cash poor nh\u01b0ng rich in asset, \u0111a s\u1ed1 tri\u1ec7u ph\u00fa l\u00e0m ti\u1ec1n t\u1eeb b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00f4ng c\u1ea7n bi\u1ebft \u1edf \u0111\u00e2u. M\u00ecnh \u0111\u00e3 gi\u1ea3i nghi\u1ec7p v\u1ec1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u00ean ch\u1ec9 th\u00edch ti\u1ec1n m\u1eb7t th\u00f4i. \u0110\u01b0\u1eddng n\u00e0o c\u0169ng t\u1edbi La M\u00e3, \u0111\u01b0\u1eddng n\u00e0o ng\u1eafn g\u1ecdn l\u00e0 \u0111\u01b0\u1eddng t\u1ed1t nh\u1ea5t. Ch\u00fac m\u1ecdi ng\u01b0\u1eddi th\u00e0nh c\u00f4ng trong v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00e1nh cho hi\u1ec7n t\u1ea1i v\u00e0 t\u01b0\u01a1ng lai. C\u00f3 m\u1ed9t \u0111i\u1ec1u m\u00ecnh mu\u1ed1n nh\u1ea5n m\u1ea1nh l\u00e0 khi <b>con c\u00e1i vui v\u1ebb, c\u01b0\u1eddi \u0111\u00f9a h\u1ed3n nhi\u00ean sung s\u01b0\u1edbng, \u00f4ng tr\u1eddi hay Karma s\u1ebd kh\u00f4ng ph\u1ee5 m\u00ecnh, ti\u1ec1n b\u1ea1c ch\u1ec9 l\u00e0 ph\u1ee5, gia \u0111\u00ecnh vui v\u1ebb h\u1ea1nh ph\u00fac th\u00ec m\u1ecdi th\u1ee9 t\u1ed1t \u0111\u1eb9p s\u1ebd t\u1edbi<\/b>. M\u00ecnh th\u00edch ti\u1ec1n nh\u01b0ng m\u00ecnh <b>kh\u00f4ng bao gi\u1edd v\u00ec ti\u1ec1n m\u00e0 l\u00e0m m\u00ecnh v\u00e0 gia \u0111\u00ecnh m\u1ea5t vu<\/b>i. Quan tr\u1ecdng nh\u1ea5t l\u00e0 b\u0103ng RI\u00caNG c\u1ee7a b\u00e0 x\u00e3 m\u00e0 nhi\u1ec1u ti\u1ec1n th\u00ec gia \u0111\u00ecnh s\u1ebd <b>Th\u1eadt S\u1ef1 H\u1ea1nh Ph\u00fac<\/b> LOL.<\/em><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul class=\"lcp_catlist\" id=\"lcp_instance_0\"><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>H\u00f4m nay ch\u1ee7 Nh\u1eadt, kh\u00f4ng c\u00f3 golf \u0111\u1ec3 coi. B\u00e0 x\u00e3 n\u00f3i tu\u1ea7n t\u1edbi l\u00e0 sinh nh\u1eadt em \u00fat b\u1ea3 50. M\u00ecnh gi\u1eadt m\u00ecnh th\u1ea5y n\u00f3 c\u00f2n tr\u1ebb m\u00e0 c\u0169ng 5 b\u00f3. M\u00ecnh ch\u1ee3t ngh\u0129 t\u1edbi trong nh\u00e0 m\u1ecdi ng\u01b0\u1eddi c\u0169ng tu\u1ed5i n\u00e0y ho\u1eb7c l\u1edbn h\u01a1n v\u00e0 m\u00ecnh mu\u1ed1n chia s\u1ebb cu\u1ed9c h\u00e0nh tr\u00ecnh v\u1ec1 <a href=\"https:\/\/www.dognmonkey.com\/svlifevn\/cuoc-hanh-trinh-cua-tai-chanh-gia-dinh.html\" class=\"more-link\">&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":6935,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1455,1354],"tags":[1253,1417,1413,1492,1355,1491,1399],"class_list":["post-6934","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dau-tu-chung-khoan","category-kinh-te-gia-dinh","tag-dau-tu","tag-de-danh","tag-ho-tro","tag-muc-dich","tag-muc-tieu","tag-tan-tien","tag-team-work"],"views":38,"_links":{"self":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6934","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/comments?post=6934"}],"version-history":[{"count":2,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6934\/revisions"}],"predecessor-version":[{"id":6937,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6934\/revisions\/6937"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media\/6935"}],"wp:attachment":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media?parent=6934"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/categories?post=6934"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/tags?post=6934"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}