{"id":5343,"date":"2019-09-13T17:08:41","date_gmt":"2019-09-13T14:08:41","guid":{"rendered":"https:\/\/favorite-news.com\/vi\/tai-sao-ban-khong-can-mot-cong-viec-luong-cao-de-tro-thanh-trieu-phu\/"},"modified":"2019-09-13T17:08:44","modified_gmt":"2019-09-13T14:08:44","slug":"tai-sao-ban-khong-can-mot-cong-viec-luong-cao-de-tro-thanh-trieu-phu","status":"publish","type":"post","link":"https:\/\/favorite-news.com\/vi\/tai-sao-ban-khong-can-mot-cong-viec-luong-cao-de-tro-thanh-trieu-phu\/","title":{"rendered":"T\u1ea1i sao b\u1ea1n kh\u00f4ng c\u1ea7n m\u1ed9t c\u00f4ng vi\u1ec7c l\u01b0\u01a1ng cao \u0111\u1ec3 tr\u1edf th\u00e0nh tri\u1ec7u ph\u00fa?"},"content":{"rendered":"


\n Chuy\u00ean gia t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 ng\u01b0\u1eddi d\u1eabn ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a “The Chris Hogan Show” chia s\u1ebb v\u1edbi CNBC v\u1ec1 nh\u1eefng g\u00ec \u0111\u00e3 h\u1ecdc \u0111\u01b0\u1ee3c v\u1ec1 vi\u1ec7c g\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3 trong qu\u00e1 tr\u00ecnh nghi\u00ean c\u1ee9u v\u00e0 vi\u1ebft cu\u1ed1n s\u00e1ch, “Everyday Millionaires: How Ordinary People Built Extraordinary Wealth\u2015and How You Can Too.”\u0110\u1ed1i v\u1edbi cu\u1ed1n s\u00e1ch n\u00e0y (\u0111\u01b0\u1ee3c xu\u1ea5t b\u1ea3n \u0111\u1ea7u n\u0103m nay), Hogan v\u00e0 nh\u00f3m nghi\u00ean c\u1ee9u Dave Ramsey (Hogan l\u00e0m vi\u1ec7c cho Ramsey Solutions) \u0111\u00e3 ph\u1ecfng v\u1ea5n h\u01a1n 10.000 tri\u1ec7u ph\u00fa t\u1ea1i M\u1ef9 \u2013 nh\u00f3m \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 nh\u1eefng ng\u01b0\u1eddi c\u00f3 t\u00e0i s\u1ea3n r\u00f2ng tr\u1ecb gi\u00e1 \u00edt nh\u1ea5t 1 tri\u1ec7u USD, v\u1ec1 th\u00f3i quen chi ti\u00eau v\u00e0 ti\u1ebft ki\u1ec7m c\u1ee7a h\u1ecd trong su\u1ed1t b\u1ea3y th\u00e1ng.K\u1ebft qu\u1ea3 l\u00e0, nh\u00e2n t\u1ed1 h\u00e0ng \u0111\u1ea7u trong vi\u1ec7c t\u1ea1o n\u00ean kh\u1ed1i t\u00e0i s\u1ea3n r\u00f2ng kh\u1ed5ng l\u1ed3 c\u1ee7a c\u00e1c tri\u1ec7u ph\u00fa ch\u00ednh l\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o m\u1ed9t k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u. Nh\u01b0ng ch\u00ednh nh\u1eefng chuy\u1ec7n hoang t\u01b0\u1edfng xung quanh vi\u1ec7c t\u00edch l\u0169y t\u00e0i s\u1ea3n c\u0169ng ch\u00ednh l\u00e0 r\u00e0o c\u1ea3n khi\u1ebfn \u0111a s\u1ed1 kh\u00f4ng th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c \u0111i\u1ec1u \u0111\u00f3.D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ed1n c\u00e2u chuy\u1ec7n hoang \u0111\u01b0\u1eddng m\u00e0 nh\u1eefng ng\u01b0\u1eddi mong mu\u1ed1n tr\u1edf th\u00e0nh tri\u1ec7u ph\u00fa n\u00ean “kh\u1eafc c\u1ed1t ghi t\u00e2m”.1. B\u1ea1n ph\u1ea3i c\u00f3 m\u1ed9t c\u00f4ng vi\u1ec7c l\u01b0\u01a1ng cao “ng\u1ea5t ng\u01b0\u1edfng”M\u1ed9t trong nh\u1eefng ng\u00e0nh ngh\u1ec1 ph\u1ed5 bi\u1ebfn nh\u1ea5t c\u1ee7a c\u00e1c tri\u1ec7u ph\u00fa \u0111\u01b0\u1ee3c Hogan ph\u1ecfng v\u1ea5n l\u00e0 gi\u00e1o vi\u00ean tr\u01b0\u1eddng. M\u1eb7c d\u00f9 \u0111i\u1ec1u n\u00e0y c\u00f3 v\u1ebb \u0111\u00e1ng ng\u1ea1c nhi\u00ean, do thu nh\u1eadp c\u1ee7a gi\u00e1o vi\u00ean tr\u00ean to\u00e0n qu\u1ed1c t\u01b0\u01a1ng \u0111\u1ed1i th\u1ea5p so v\u1edbi c\u00e1c ng\u00e0nh ngh\u1ec1 \u0111\u01b0\u1ee3c gi\u00e1o d\u1ee5c t\u01b0\u01a1ng t\u1ef1, h\u1ecd c\u00f3 th\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o t\u00e0i kho\u1ea3n 403(b), m\u1ed9t qu\u1ef9 t\u01b0\u01a1ng t\u1ef1 nh\u01b0 401(k), nh\u1eb1m ti\u1ebft ki\u1ec7m cho giai \u0111o\u1ea1n h\u01b0u tr\u00ed.Gi\u00e1o vi\u00ean, gi\u1ed1ng nh\u01b0 b\u1ea5t k\u1ef3 ai c\u00f3 quy\u1ec1n ti\u1ebfp c\u1eadn v\u00e0o k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u \u0111\u01b0\u1ee3c c\u00f4ng ty h\u1ed7 tr\u1ee3 nh\u00e2n vi\u00ean c\u1ee7a h\u1ecd, s\u1ebd l\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111\u1ea7u t\u01b0 li\u00ean t\u1ee5c, v\u00e0 theo th\u1eddi gian, \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb l\u00e3i k\u00e9p.”Tho\u00e1t kh\u1ecfi n\u1ee3 n\u1ea7n, gi\u1eef l\u1ea1i ph\u1ea7n l\u1edbn thu nh\u1eadp v\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ec1u \u0111\u1eb7n s\u1ebd \u0111\u01b0a b\u1ea1n v\u00e0o con \u0111\u01b0\u1eddng tr\u1edf th\u00e0nh tri\u1ec7u ph\u00fa”, \u00f4ng Hogan n\u00f3i.2. B\u1ea1n ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 m\u1ea1o hi\u1ec3m”B\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 ph\u1edbt l\u1edd ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0 nh\u1eefng tr\u00e0o l\u01b0u m\u1edbi th\u00fa v\u1ecb kh\u00e1c”, Hogan chia s\u1ebb. B\u00ed quy\u1ebft \u0111\u1ec3 tr\u1edf th\u00e0nh tri\u1ec7u ph\u00fa th\u1ef1c s\u1ef1 kh\u00e1 nh\u00e0m ch\u00e1n: li\u00ean t\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c qu\u1ef9 c\u00f3 ch\u1ec9 s\u1ed1 chi ph\u00ed th\u1ea5p trong t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed nhi\u1ec1u n\u0103m li\u00ean ti\u1ebfp.Ph\u1ea7n cu\u1ed1i c\u00f9ng r\u1ea5t quan tr\u1ecdng. Trong khi nhi\u1ec1u ng\u01b0\u1eddi \u0111ang mu\u1ed1n l\u00e0m gi\u00e0u nhanh ch\u00f3ng, th\u00ec vi\u1ec7c g\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3 th\u1ef1c s\u1ef1 c\u1ea7n th\u1eddi gian – th\u1ef1c t\u1ebf l\u00e0 h\u00e0ng th\u1eadp k\u1ef7. Hogan ph\u00e1t hi\u1ec7n ra r\u1eb1ng trung b\u00ecnh, m\u1ed9t tri\u1ec7u ph\u00fa l\u1ea7n \u0111\u1ea7u ti\u00ean \u0111\u1ea1t m\u1ed1c 1 tri\u1ec7u USD \u1edf tu\u1ed5i 49.3. B\u1eb1ng c\u1ea5p c\u1ee7a b\u1ea1n ph\u1ea3i th\u1eadt h\u00e0o nho\u00e1ngS\u1edf h\u1eefu t\u1ea5m b\u1eb1ng \u0111\u1ea1i h\u1ecdc r\u1ea5t quan tr\u1ecdng, v\u00e0 \u0111i\u1ec1u n\u00e0y ho\u00e0n to\u00e0n kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn: 88% trong s\u1ed1 c\u00e1c tri\u1ec7u ph\u00fa Hogan ph\u1ecfng v\u1ea5n \u0111\u00e3 t\u1ed1t nghi\u1ec7p v\u1edbi \u00edt nh\u1ea5t m\u1ed9t b\u1eb1ng c\u1eed nh\u00e2n. Nh\u01b0ng c\u00f3 hay kh\u00f4ng th\u1eeba h\u01b0\u1edfng n\u1ec1n gi\u00e1o d\u1ee5c c\u1ee7a Ivy League th\u00ec l\u1ea1i kh\u00f4ng quan tr\u1ecdng \u0111\u1ebfn nh\u01b0 v\u1eady. H\u01a1n 60% s\u1ed1 tri\u1ec7u ph\u00fa \u0111\u01b0\u1ee3c ph\u1ecfng v\u1ea5n t\u1ed1t nghi\u1ec7p t\u1eeb m\u1ed9t tr\u01b0\u1eddng cao \u0111\u1eb3ng ho\u1eb7c \u0111\u1ea1i h\u1ecdc c\u00f4ng l\u1eadp, v\u00e0 8% theo h\u1ecdc t\u1ea1i tr\u01b0\u1eddng cao \u0111\u1eb3ng c\u1ed9ng \u0111\u1ed3ng.”H\u00e3y x\u00f3a b\u1ecf r\u00e0o c\u1ea3n v\u00e0 nh\u1eefng \u0111\u1ecbnh ki\u1ebfn. \u0110\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 n\u01a1i b\u1ea1n t\u1edbi \u0111\u1ec3 ho\u00e0n th\u00e0nh b\u1eb1ng c\u1ea5p c\u1ee7a m\u00ecnh, th\u1ef1c t\u1ebf \u0111\u00f3 ch\u1ec9 l\u00e0 \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u, b\u1ea1n \u0111\u00e3 c\u00f3 m\u1ee5c ti\u00eau ri\u00eang v\u00e0 t\u1edbi \u0111\u1ec3 ho\u00e0n th\u00e0nh n\u00f3.”, \u00f4ng chia s\u1ebb.4. B\u1ea1n ph\u1ea3i \u0111\u01b0\u1ee3c th\u1eeba k\u1ebf s\u1ef1 gi\u00e0u c\u00f3G\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3 cho b\u1ea3n th\u00e2n th\u1eadt s\u1ef1 c\u00f3 li\u00ean quan \u0111\u1ebfn h\u00e0nh \u0111\u1ed9ng c\u1ee7a b\u1ea1n nhi\u1ec1u h\u01a1n l\u00e0 nh\u1eefng g\u00ec DNA t\u00e1c \u0111\u1ed9ng. Trong s\u1ed1 10.000 tri\u1ec7u ph\u00fa m\u00e0 \u00f4ng ph\u1ecfng v\u1ea5n, 21% \u0111\u01b0\u1ee3c th\u1eeba h\u01b0\u1edfng m\u1ed9t s\u1ed1 h\u00ecnh th\u1ee9c th\u1eeba k\u1ebf, trong khi kho\u1ea3ng 80% \u0111\u1ebfn t\u1eeb c\u00e1c gia \u0111\u00ecnh \u1edf c\u00e1c gia \u0111\u00ecnh c\u00f3 m\u1ee9c thu nh\u1eadp c\u1ee7a t\u1ea7ng l\u1edbp trung l\u01b0u, ho\u1eb7c th\u1eadm ch\u00ed d\u01b0\u1edbi m\u1ee9c \u0111\u00f3.”V\u00e0 t\u00f4i c\u0169ng \u0111\u00e3 ph\u00e1t hi\u1ec7n ra r\u1eb1ng 79% trong s\u1ed1 c\u00e1c tri\u1ec7u ph\u00fa m\u00e0 ch\u00fang t\u00f4i \u0111\u00e3 n\u00f3i chuy\u1ec7n kh\u00f4ng \u0111\u01b0\u1ee3c th\u1eeba k\u1ebf m\u1ed9t xu,”, Hogan cho bi\u1ebft.T\u1ea5t nhi\u00ean, s\u1ef1 gi\u00e0u c\u00f3 c\u1ee7a gia \u0111\u00ecnh s\u1ebd mang l\u1ea1i l\u1ee3i th\u1ebf, \u0111\u1eb7c bi\u1ec7t khi \u1edf M\u1ef9, t\u1ea7ng l\u1edbp trung l\u01b0u ti\u1ebfp t\u1ee5c b\u1ecb n\u1edbi r\u1ed9ng kho\u1ea3ng c\u00e1ch v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh tr\u01b0\u1edbc t\u1ea7ng l\u1edbp th\u01b0\u1ee3ng l\u01b0u. Tr\u00ean th\u1ef1c t\u1ebf, C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang \u01b0\u1edbc t\u00ednh r\u1eb1ng 26% t\u1ed5ng t\u00e0i s\u1ea3n \u1edf M\u1ef9 c\u00f3 \u0111\u01b0\u1ee3c nh\u1edd s\u1ef1 chuy\u1ec3n giao t\u00e0i s\u1ea3n gi\u1eefa c\u00e1c th\u1ebf h\u1ec7.Nh\u01b0ng v\u1edbi ki\u1ebfn \u200b\u200bth\u1ee9c v\u00e0 kh\u1ea3 n\u0103ng s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh theo mong mu\u1ed1n, nh\u01b0 t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i thu\u1ebf, c\u00f3 th\u1ec3 cho ph\u00e9p b\u1ea5t c\u1ee9 ai g\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3 c\u00e1 nh\u00e2n (v\u1edbi gi\u1ea3 \u0111\u1ecbnh l\u00e0 b\u1ea1n s\u1edf h\u1eefu m\u1ed9t kho\u1ea3n ti\u1ec1n \u0111\u1ec3 ti\u1ebft ki\u1ec7m).Cho \u0111\u1ebfn nay, c\u00f4ng c\u1ee5 s\u1ed1 m\u1ed9t m\u00e0 nh\u1eefng ng\u01b0\u1eddi n\u00e0y s\u1eed d\u1ee5ng \u0111\u1ec3 x\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3, l\u00e0 c\u00e1c t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed do c\u00f4ng ty t\u00e0i tr\u1ee3, nh\u01b0 401(k) ho\u1eb7c 403(b). N\u1ebfu b\u1ea1n kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn ch\u00fang, b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng IRA ho\u1eb7c Roth IRA truy\u1ec1n th\u1ed1ng, c\u0169ng nh\u1eb1m cung c\u1ea5p c\u00e1c l\u1ee3i th\u1ebf v\u1ec1 thu\u1ebf. V\u00e0o n\u0103m 2019, ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 th\u1ec3 b\u1ecf 6.000 USD m\u1ed7i n\u0103m v\u00e0o IRA n\u1ebfu d\u01b0\u1edbi 50 tu\u1ed5i, c\u1ed9ng th\u00eam 1.000 USD n\u1ebfu h\u1ecd t\u1eeb 50 tu\u1ed5i tr\u1edf l\u00ean.
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Chuy\u00ean gia t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 ng\u01b0\u1eddi d\u1eabn ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a “The Chris Hogan Show” chia s\u1ebb v\u1edbi CNBC v\u1ec1 nh\u1eefng g\u00ec \u0111\u00e3 h\u1ecdc \u0111\u01b0\u1ee3c v\u1ec1 vi\u1ec7c g\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3 trong qu\u00e1 tr\u00ecnh nghi\u00ean c\u1ee9u v\u00e0 vi\u1ebft cu\u1ed1n s\u00e1ch, “Everyday Millionaires: How Ordinary People Built Extraordinary Wealth\u2015and How You Can Too.”\u0110\u1ed1i […]<\/p>\n","protected":false},"author":2,"featured_media":5344,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5343","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-tai-chinh"],"yoast_head":"\nT\u1ea1i sao b\u1ea1n kh\u00f4ng c\u1ea7n m\u1ed9t c\u00f4ng vi\u1ec7c l\u01b0\u01a1ng cao \u0111\u1ec3 tr\u1edf th\u00e0nh tri\u1ec7u ph\u00fa? 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