{"id":7021,"date":"2025-04-28T12:28:34","date_gmt":"2025-04-28T19:28:34","guid":{"rendered":"https:\/\/www.dognmonkey.com\/svlifevn\/?p=7021"},"modified":"2025-04-28T12:28:34","modified_gmt":"2025-04-28T19:28:34","slug":"nhin-gan-va-nhin-xa","status":"publish","type":"post","link":"https:\/\/www.dognmonkey.com\/svlifevn\/nhin-gan-va-nhin-xa.html","title":{"rendered":"Nh\u00ecn G\u1ea7n v\u00e0 Nh\u00ecn Xa"},"content":{"rendered":"

H\u00f4m nay m\u00ecnh mu\u1ed1n nh\u1eafc nh\u1edf m\u1ecdi ng\u01b0\u1eddi n\u00ean nh\u00ecn xa thay v\u00ec nh\u00ecn g\u1ea7n. Ti\u1ebfng Vi\u1ec7t c\u00f3 ch\u1eef thi\u1ec3n c\u1eadn. Ng\u01b0\u1eddi thi\u1ec3n c\u1eadn c\u00f3 chi\u1ec1u h\u01b0\u1edbng ch\u1ee5p gi\u1ef1t, tham l\u1ee3i tr\u01b0\u1edbc m\u1eaft qu\u00ean h\u1ea1i sau l\u01b0ng, \u0111a s\u1ed1 kh\u00f3 th\u00e0nh c\u00f4ng trong t\u01b0\u01a1ng lai.<\/em><\/p>\n

Theo m\u00ecnh khi b\u1eaft tay v\u00e0o m\u1ed9t chuy\u1ec7n g\u00ec d\u00f9 l\u1edbn nh\u1ecf \u0111\u1ec1u ph\u1ea3i suy ngh\u0129, M\u1ef9 c\u00f3 ch\u1eef Pros and Cons, ngh\u0129a l\u00e0 l\u1ee3i v\u00e0 h\u1ea1i nh\u01b0 th\u1ebf n\u00e0o. Khi m\u00ecnh ham l\u1ee3i qu\u00e1 th\u00ec khi b\u1ecb h\u1ea1i th\u00ec b\u1ecb s\u1ee3 h\u00e3i, m\u1ea5t tin t\u01b0\u1edfng v\u00e0 r\u1ee5t r\u00e8 c\u1ea3 \u0111\u1eddi v\u00e0 s\u1ebd m\u1ea5t nhi\u1ec1u d\u1ecbp may \u0111\u1ec3 c\u00f3 th\u1ec3 th\u00e0nh c\u00f4ng l\u1edbn trong \u0111\u1eddi s\u1ed1ng h\u00e0ng ng\u00e0y.<\/em><\/p>\n

Ng\u01b0\u1eddi nh\u00ecn xa, s\u1ebd c\u00f3 m\u1ee5c ti\u00eau v\u00e0 m\u1ee5c \u0111\u00edch \u0111\u1eb7t ra cho t\u01b0\u01a1ng lai v\u00e0 coi l\u1ea1i pros and cons c\u1ee7a nh\u1eefng g\u00ec m\u00ecnh l\u00e0m \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau theo m\u1ee5c \u0111\u00edch m\u00ecnh \u0111\u1eb7t ra. S\u1ebd ph\u1ea3i c\u00f3 k\u1ebf ho\u1ea1ch, k\u1ef7 lu\u1eadt v\u00e0 ki\u00ean nh\u1eabn \u0111\u1ec3 l\u00e0m theo cho th\u00e0nh c\u00f4ng. T\u1ea5t c\u1ea3 m\u1ecdi th\u1ee9 \u0111\u1ec1u c\u1ea7n s\u1ef1 hi\u1ec3u bi\u1ebft, ph\u1ea3i t\u1ed1n gi\u1edd h\u1ecdc h\u1ecfi v\u00e0 h\u00e0nh \u0111\u1ed9ng.<\/em><\/p>\n

\u0110\u1eddi s\u1ed1ng kh\u00f4ng ph\u1ea3i l\u00e0 tr\u1eddi sinh voi sinh c\u1ecf nh\u01b0 m\u1ecdi ng\u01b0\u1eddi ngh\u0129. M\u00ecnh ph\u1ea3i t\u1ef1 m\u00ecnh l\u00e0m n\u00ean nh\u1eefng g\u00ec m\u00ecnh mu\u1ed1n c\u00f3 cho gia \u0111\u00ecnh t\u1eeb d\u1ea1y d\u1ed7 con c\u00e1i cho t\u1edbi ki\u1ebfm ti\u1ec1n cho gia \u0111\u00ecnh sung t\u00fac. Th\u1eddi gian kh\u00f4ng ch\u1edd \u0111\u1ee3i m\u1ed9t ai v\u00e0 tr\u00f4i r\u1ea5t mau. Quay \u0111i quay l\u1ea1i \u0111\u00e3 s\u1eafp h\u1ebft th\u00e1ng 4, g\u1ea7n n\u1eeda n\u0103m r\u1ed3i.<\/em><\/p>\n

Theo m\u00ecnh th\u00ec kinh t\u1ebf gia \u0111\u00ecnh ph\u1ea3i ti\u1ebfn tri\u1ec3n m\u1ed7i n\u0103m v\u00ec l\u1ea1m ph\u00e1t, v\u00ec macro kinh t\u1ebf x\u00e3 h\u1ed9i, c\u1ea3 n\u01b0\u1edbc. M\u1ed7i n\u0103m networth c\u1ee7a gia \u0111\u00ecnh ph\u1ea3i m\u1ed9t l\u1edbn h\u01a1n, d\u00f9 \u00edt c\u0169ng ph\u1ea3i l\u1edbn h\u01a1n m\u1ed7i n\u0103m. Ngh\u0129a l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1ecf \u0111i, th\u1ee5t l\u00f9i. \u0110\u1ec3 m\u00ecnh l\u00e0m to\u00e1n cho th\u1ea5y s\u1ef1 l\u1ed7 l\u00e3, th\u1ee5t l\u00f9i. Networth l\u00e0 t\u1ed5ng s\u1ed1 ti\u1ec1n m\u00ecnh c\u00f3 sau khi tr\u1eeb h\u1ebft ti\u1ec1n ph\u1ea3i ti\u00eau x\u00e0i. N\u1ebfu m\u00ecnh ki\u1ebfm $50k m\u00e0 sau khi ti\u00eau x\u00e0i m\u00ecnh c\u00f2n $10k, \u0111\u00f3 l\u00e0 networth c\u1ee7a m\u00ecnh. Networth t\u00ednh c\u1ea3 ti\u1ec1n l\u1eddi \u0111\u1ea7u t\u01b0 v\u00e0o nh\u00e0, ti\u1ec1n \u0111\u1ec3 d\u00e0nh, ti\u1ec1n trong c\u00f4ng sau khi tr\u1ea3 h\u1ebft ti\u1ec1n c\u1ea7n d\u00f9ng.<\/em><\/p>\n

Khi networth c\u1ee7a m\u00ecnh m\u00e0 b\u1ecb \u00e2m -10%, th\u00ec m\u00ecnh c\u1ea7n ki\u1ebfm 11% m\u1edbi hu\u1ec1 v\u1ed1n. -20% ph\u1ea3i c\u1ea7n ki\u1ebfm 25% m\u1edbi hu\u1ec1 v\u1ed1n. Nh\u01b0 Mr. Buffet c\u00f3 n\u00f3i, kh\u00f4ng \u0111\u01b0\u1ee3c l\u1ed7 m\u00e0 ch\u1ec9 \u0111\u01b0\u1ee3c l\u1eddi m\u00e0 th\u00f4i.<\/em><\/p>\n

T\u1ea1i sao networth l\u1ea1i b\u1ecb \u00e2m? V\u00ec m\u00ecnh \u0111\u1ea7u t\u01b0 thua l\u1ed7 ho\u1eb7c x\u00e0i nhi\u1ec1u h\u01a1n m\u00ecnh ki\u1ebfm. M\u1ed7i n\u0103m ph\u1ea3i \u0111\u1eb7t m\u1ee5c ti\u00eau v\u00e0 c\u00f3 k\u1ebf ho\u1ea1ch l\u00e0m so cho t\u1ed1t h\u01a1n. C\u00e1i n\u00e0y g\u1ecdi l\u00e0 nh\u00ecn xa cho t\u01b0\u01a1ng lai.<\/em><\/p>\n

Nu\u00f4i con c\u0169ng v\u1eady, ai c\u0169ng ch\u1ec9 nh\u00ecn g\u1ea7n l\u00e0 b\u1eaft con h\u1ecdc h\u00e0nh, theo lu\u1eadt n\u00e0y lu\u1eadt kia m\u00e0 kh\u00f4ng ngh\u0129 t\u1edbi t\u01b0\u01a1ng lai t\u1ee5i nh\u1ecf l\u00e0 t\u00ednh t\u00ecnh t\u1ed1t, vui v\u1ebb, ph\u00f3ng kho\u00e1ng, t\u1ef1 tin, hi\u1ec1n l\u00e0nh th\u00ec s\u1ebd cho con m\u00ecnh c\u00f3 c\u00e1i c\u1ed9t tr\u1ee5 \u0111\u1ec3 c\u00f3 m\u1ed9t \u0111\u1eddi s\u1ed1ng sung s\u01b0\u1edbng, h\u1ea1nh ph\u00fac v\u00e0 sung t\u00fac c\u1ea3 \u0111\u1eddi trong t\u01b0\u01a1ng lai. H\u1ecdc h\u00e0nh gi\u1ecfi m\u00e0 kh\u00f4ng c\u00f3 t\u00ednh t\u00ecnh vui v\u1ebb, ph\u00f3ng kho\u00e1ng th\u00ec ch\u01b0a ch\u1eafc c\u00f3 \u0111\u1eddi s\u1ed1ng h\u1ea1nh ph\u00fac v\u00e0 sung t\u00fac.<\/em><\/p>\n

Theo m\u00ecnh th\u00ec b\u1ecf t\u00ednh so \u0111o, ch\u1ec9 n\u00ean bi\u1ebft m\u00ecnh v\u00e0 gia \u0111\u00ecnh ti\u1ebfn tri\u1ec3n nh\u01b0 th\u1ebf n\u00e0o m\u1ed1i n\u0103m, m\u1ed7i 3, 5, 10 n\u0103m, kh\u00f4ng \u0111\u1ec3 \u00fd t\u1edbi ai c\u1ea3, c\u00e1i n\u00e0y g\u1ecdi l\u00e0 focus. Kh\u00f4ng \u0111i theo h\u00f9a, M\u1ef9 c\u00f3 c\u00e2u \u201cnever follow\u201d, b\u00e0n t\u00ednh, k\u1ebf ho\u1ea1ch, t\u1ef1 tin, m\u1ee5c ti\u00eau m\u00e0 c\u1ee9 th\u1ebf ti\u1ec1n t\u1edbi trong s\u1ef1 vui v\u1ebb, ho\u00e0 thu\u1eadn, h\u1ea1nh ph\u00fac v\u1edbi gia \u0111\u00ecnh, vui v\u00e0 sung s\u01b0\u1edbng v\u1edbi nhau.<\/em><\/p>\n

Kinh t\u1ebf gia \u0111\u00ecnh, nh\u01b0 m\u00ecnh \u0111\u00e3 n\u00f3i, t\u1eadp chung ti\u1ec1n b\u1ea1c \u0111\u1ec3 d\u00e0nh v\u00e0o m\u1ed9t qu\u1ef9, v\u00e0 c\u00f3 m\u1ee5c ti\u00eau \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c thay v\u00ec chia ti\u1ec1n ra t\u00f9ng ho\u0103ng c\u1ea3 l\u00ean, n\u00e0o ti\u1ec1n life insurance, ti\u1ec1n \u0111i h\u1ecdc cho con 529, annuity, ti\u1ec1n h\u1ea7m b\u00e0 l\u1eb1ng t\u1eeb m\u1ecdi ng\u01b0\u1eddi b\u00e1n n\u00e0y b\u00e1n kia. Th\u00ed d\u1ee5, \u0111\u1ec3 d\u00e0nh \u0111\u01b0\u1ee3c $100k, chia ra l\u00e0m 3-4 th\u1ee9 ti\u1ec1n kh\u00f4ng \u0111\u1ebb ra ti\u1ec1n m\u00e0 ch\u1ec9 b\u1ecf v\u00e0o 1 c\u00f4ng $100k, m\u1ed7i n\u0103m ki\u1ebfm 20% th\u00ec 13 n\u0103m s\u1ebd c\u00f3 $1M. N\u1ebfu n\u00f3i ki\u1ebfm 15% v\u00ec 20% qu\u00e1 kh\u00f3 th\u00ec 17 n\u0103m s\u1ebd c\u00f3 $1M nh\u01b0 m\u00ecnh \u0111\u00e3 l\u00e0m. Khi c\u00f3 $1M th\u00ec con c\u00e1i mu\u1ed1n \u0111i h\u1ecdc g\u00ec th\u00ec h\u1ecdc v\u00ec khi c\u00f3 $1M ch\u1ec9 c\u1ea7n 10% l\u00e0 $100k\/n\u0103m th\u00ec lo g\u00ec n\u1eefa. C\u00e1i n\u00e0y g\u1ecdi l\u00e0 nh\u00ecn xa v\u00e0 c\u00f3 m\u1ee5c ti\u00eau v\u00e0 k\u1ebf ho\u1ea1ch \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c. M\u1ed9t c\u00e1i m\u00ecnh bi\u1ebft l\u00e0 ph\u1ea3i t\u1ef1 m\u00ecnh \u0111\u1ea7u t\u01b0 cho ch\u00ednh m\u00ecnh, kh\u00f4ng nh\u1edd v\u1ea3 ai c\u1ea3, ai c\u0169ng thi\u1ec3n c\u1eadn b\u1ecf ti\u1ec1n v\u00e0o 529 \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1edbt thu\u1ebf m\u00e0 ch\u01b0a ch\u1eafc \u0111\u00e3 ki\u1ebfm \u0111\u1ee7 ti\u1ec1n cho con \u0111i h\u1ecdc \u0111\u1ea1i h\u1ecdc.<\/em><\/p>\n

Th\u1eddi gian tr\u00f4i kh\u00f4ng ch\u1edd m\u1ed9t ai, m\u1ed7i n\u0103m ph\u1ea3i coi l\u1ea1i gia \u0111\u00ecnh, t\u00e0i ch\u00e1nh c\u00f3 t\u1ed1t h\u01a1n hay kh\u00f4ng, c\u00f3 c\u01b0\u1eddi nhi\u1ec1u hay kh\u00f4ng, con c\u00e1i v\u00e0 gia \u0111\u00ecnh c\u00f3 h\u1ea1nh ph\u00fac hay kh\u00f4ng, ti\u1ec1n t\u00e0i c\u00f3 l\u00ean \u0111\u1ec1u hay kh\u00f4ng thay v\u00ec ch\u1ee5p gi\u1ef1t ng\u00e0y h\u00f4m nay v\u00e0 m\u1ea5t \u0111i ng\u00e0y mai. Theo m\u00ecnh h\u1eadu v\u1eadn l\u00e0 quan tr\u1ecdng nh\u1ea5t trong \u0111\u1eddi ng\u01b0\u1eddi v\u00e0 ch\u1ec9 \u0111\u1eddi n\u00e0y m\u00e0 th\u00f4i. V\u1ec1 gi\u00e0 m\u00e0 kh\u00f4ng sung t\u00fac, con c\u00e1i kh\u00f4ng vui v\u1ebb sung s\u01b0\u1edbng kho\u1ebb m\u1ea1nh th\u00ec qu\u00e1 bu\u1ed3n. Bill Gates c\u00f3 c\u00e2u \u201cm\u00ecnh b\u1ecb \u0111\u1ebb ngh\u00e8o kh\u00f4ng ph\u1ea3i l\u1ed7i c\u1ee7a m\u00ecnh, nh\u01b0ng m\u00ecnh ch\u1ebft ngh\u00e8o thi ho\u00e0n to\u00e0n l\u1ed7i m\u00ecnh\u201d<\/b>.<\/em><\/p>\n

\"be_smile\"<\/a> \"siblings<\/a><\/p>\n

\"networth<\/a> \"networth<\/a><\/p>\n