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부자들의 습관 본문
Forbes Finance Council 회원들이 주변의 부자 고객들을 상대하며 찾은 돈이 따라오는 습관이라고 한다.
1. Not Leaving Money Sitting Idle
Building true wealth requires not sitting on your money. You hear wealthy individuals talking all the time about being “cash broke.” Does it mean they are broke? No. It means they never keep large sums of money lying around dormant. It’s the money-in, money-out ideology. Money needs to be working for you at all times if you want to reach the levels of truly wealthy individuals. - Will Murphy, Everlasting Capital
1. 큰 액수의 돈이 놀고 있지 않게 할 것
2. Focusing On The ‘Signal,’ Not The ‘Noise’
The most important habit of wealthy families is maintaining a top-down view of their personal balance sheet. They’re focused on a year-over-year increase in total net worth, and they don’t waste a considerable amount of time on the details. They have sophisticated professionals who are working on the details, or “noise,” and who can dig deep as needed. It’s important to keep your eye on the “signal,” not the “noise.” - Justin Sanderson, Sanderson Wealth Management
3. Living Below Their Means
My dad, who started our firm back in 1959, would preach the following from the mountain tops: “The key to lifelong financial success is to always live below your means.” This one aphorism has made my life richer, deeper and more fulfilling. - Lance Drucker, Drucker Wealth
3. 항상 벌이 금액의 아래에서 살아라. 즉 사치를 부리지 말라는 뜻.
4. Not Paying Interest
Do not pay interest! I have had so many people tell me this over the years, and it is truth. When you are paying high interest rates over a long term, then you end up paying double or triple the value of that quickly purchased sale item. Purchasing something on sale at 40% off by using the store credit card, with 24.99% revolving interest on an open balance, equals paying an exorbitant price. The one exception is mortgage debt. - Cynthia Hemingway, Fourlane, Inc.
4. 고금리 이자를 내면서 쇼핑하는 방법을 택하지 말라. 근데 주택 담보 대출 제외.
5. Monitoring Income And Expenses
Financial freedom is a function of cash flow. A good practice is to consistently monitor sources of income and expenses. If you spend every dollar of income on personal consumption, then you have no ability to build wealth through savings and investment. It’s not how much you earn, it’s how much you burn! - Martin Jarzebowski, Federated Hermes
5. 수입과 지출을 지속적으로 모니터링해라. 버는 것보다 쓰는게 문제!
6. Valuing Their Time
If the time it takes to clean your house is more valuable than the cost of bringing in someone to help you clean your house, outsource it. I can make $XX in the two hours it takes me to go to the grocery store, shop and get home. It will cost me $X in tips to have someone else do it for me. Eliminating these distractions also helps production, thus further raising that value. - Marjorie Adams, Fourlane
6. 중요하지 않은 일은 다른 사람을 시켜서 시간을 벌고 그 시간에 더 소중한 일을 하라.
7. Setting Life Goals And A Financial Plan
One essential practice that is critically important is to set life goals and create a financial plan to meet those goals. Keeping this plan in mind as daily decisions are made and regularly reviewing progress toward that plan is crucial. - Robert Mallernee, Eton Advisors
7. 인생의 목표를 세우고 그걸 이룰 재무계획을 세워라. 매 순간 그 계획을 마음 속에 유지해서 결정할 것.
8. Using Insurance Strategically
The wealthy use insurance strategically. Unlike most of the population, they don’t solely utilize insurance to replace lost income during their working years. The wealthy often utilize insurance as part of their estate planning, their tax strategy or even in their family banking. - David Van Horn, PPR Note Co.
8. 보험을 전략적으로 이용해라.
9. Meeting Regularly With Their Financial Advisors
The habit I have seen wealthy people use most successfully is to meet annually (if not more often) with their financial advisors to understand their financial world. Accountants, financial advisors and estate-planning teams are the people who have the financial information that allows wealthy people to make better decisions and understand the state of their finances. - Evan Jehle, FFO LLC
9. 금융 자문가(회계사, 재정 자문가, 유산 상속팀)들을 주기적으로 만나라. - 찐 부자들 ㅋㅋㅋㅋㅋ
10. Understanding The Tax Basis And Unrealized Gains In Their Portfolios
One financial habit many of my high-net-worth clients practice is understanding the tax basis and unrealized gains in their portfolios at all times. Taking advantage of opportunities to harvest tax losses, if the decisions align with your overall investment strategy, is an easy way to ensure you are never paying more tax on capital gains than is absolutely necessary. - Shaune Scutellaro, CohnReznick LLP
10. 포트폴리오에서 세금의 기본과 몰랐던 수익을 이해하라.
11. Sticking To A Budget
I think it starts with doing the basics right—and for many, that’s knowing, and sticking to, a budget. It’s easy to lose track of where your money is going on a monthly basis when so many expenses are set up to be paid via autopay, and no one carries cash, so it’s easy to lose that sense of what’s being spent. Examine that and see what you can tighten up, or even what additional funds you can save! - Matthew Cuplin, Midwest Financial Group
11. 정해진 예산을 지켜라. 자동출금 등 매달 돈이 나가는 경로를 잃기 쉽다.
12. Habitually Investing
The wealthy engage in habitual investing. Consistently invest an amount that is comfortable for your circumstances. When it comes to investing, habit and consistency are paramount. Consider automating your deposits directly from your earnings into your investment account. Start this practice early, and increase your deposits as your earnings increase. Choose an amount and frequency that you can commit to for the long term. - Jessica Cannella, Oak Harvest Financial Group
12. 상황에 맞춰서 습관적으로 투자해라. 월급 통장에서 투자 계좌로 출금 자동화도 고려해 볼 것.
13. Establishing Short- And Long-Term Goals
Set realistic financial goals, assess them often and build a plan to achieve them. Many people want to “retire at age x” or “save y amount by age z,” but without a concrete plan or understanding of the feasibility of these goals, it’s hard to know if you’re on track to achieve them. Everyone should establish short-term and long-term goals, track milestones and adjust along the way as needed. - Nick Chandi, ForwardAI
13. 단기와 장기로 나누어서 현실적인 재무 목표를 세워라.
14. Making Their Money Work For Them
One personal financial habit wealthy people follow is to make sure that their money is working “for” them. In other words, put your money to work via investments and businesses so that the money keeps growing. Consistently identify “lazy money,” and put it to work. - Amanda Han, Keystone CPA, Inc.
14. 돈을 투자나 사업에 이용해서 일을 하도록 해라. (1번이랑 같은 맥락)
15. Acquiring Financial Knowledge And Skills
Most people do not realize that your philosophy about anything, including money, regulates your habits, which invariably determine your outcome. It’s advisable to acquire the right financial skills and develop an interminable desire for financial knowledge. Make it a habit to acquire financial knowledge and skills; then you can build a life of sustainable wealth. - Tosin Osunkoya, Comercio Partners Limited
15. 제대로 된 금융 지식과 스킬을 획득해라.
16. Taking Educated Risks
Understand your risk tolerance, and don’t be afraid to take educated risks. This principle can be applied both in business and with your investments. It is important to do some research and surround yourself with people who can take you to the next level and help you make an informed decision. For example, a financial advisor can guide you in taking incremental risks based on your level of comfort. - Letitia Berbaum, The Zandbergen Group
16. 교육된, 배운 위험을 무릅써라. (예를 들어 재정 자문가가 알려준 위험들)
현재의 나같은 노동자 계층에게 모두 적용될 수 없는 것들도 있지만 그래도 좋은 내용인 것 같아서 기록해 보았다!
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