Cum am obținut independența financiară, Muncă independentă (Munca echitabila in Germania)
Trust deed real estate Approaches to financial independence[ edit ] If a person can generate enough income to meet their needs from sources other than their primary occupation, they have achieved financial independence, regardless of age, existing wealth, or current salary. They have no need to work a regular job to pay their bills.
However, the effects of inflation must be considered. Therefore, if the person in the above example obtains their passive income from a perpetuitythere will be a time when they lose their financial independence because of inflation.
Under these circumstances, a person is financially independent. A person's assets and liabilities are an important factor in determining if they have achieved financial independence. An asset is anything of value that can be readily turned into cash liquidated if a person has to pay debt, whereas a liability is a responsibility to provide compensation.
Homes and automobiles with no liens or mortgages are common assets. Since there iq opțiunea binară two sides to the assets and expenses equation, there are two main directions one can focus their energy: accumulating assets or reducing their expenses.
Adună la acestă sumă valoarea cheltuielilor lunare de bază pe care ai calculat-o puțin mai devreme. Înmulțește totalul celor două cu 12 și află cât ar trebui să o obții anual din investiții pentru a atinge Vitalitatea Financiară. Acesta este cel mai ușor de calculat deoarece, din păcate, majoritatea oamenilor cheltuiesc tot ce câștigă. Mai rău e atunci când cheltuiesc mai mult decât câștigă.
Expense reduction[ edit ] Another approach to financial independence is to reduce regular expenses while accumulating assets, to reduce the amount of assets required for financial independence. This can be done by focusing on simple livingor other strategies to reduce expenses.