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土豪乐潭 We the Landlords • 查看主题 - 到底是第一桶金好赚还是后面几桶金好赚?

到底是第一桶金好赚还是后面几桶金好赚?

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到底是第一桶金好赚还是后面几桶金好赚?

帖子texastrader » 2015-02-07 11:57

我听过很多言论,抱怨说第一桶金(第一粒米)难赚,如果赚到第一桶金的话,后面就容易了,言下之意,有了一两米以后,五米十米就不在话下,自然而然钱就冲着你奔来了。就好比一个不善于跑步的人,被逼着跑一万米。一万米很长啊,这个人有点害怕。他看着人家运动健将跑的很轻松,于是他就安慰自己说,就是前面一两千米我跑不动啊。如果跑了两千米,我就开始脚下生风,后面8千米就容易了。

这话大多数是还没有赚到一两粒米的人说的。你找已经赚到5米10米的人问问看,根本不是那么一回事。同样的比喻,对于平时不训练跑步的人来说,坚持一下,一两千米是可以跑的动的,但是一两千米之后就到了极限了,大部分人就改成走路了。为什么?因为跑不动了。

我们这群来美国的老中,基本都是比较聪明和勤奋的。如果夫妻俩一起努力赚钱,每年赚个二十几万不是很难。坚持十几年下来,再做点房地产投资,加上省吃俭用,运气好的不就有一两粒米了。运气不好的那就时间长一点,15年不行20年,20年不行30年。基本上1-3米,是个可以达到的目标。可是要突破3米,如果没有特别的好运,就要付出一些额外的努力。

为什么我说1-3米是极限呢?因为这个时候往往有很多因素制约我们的财富进一步增长:
1)消费增加。有点钱了不享受享受?多旅游,多用名牌,豪宅名车,私校教育,大人小孩都弄点hobby玩玩,花钱不再那么穷算计,etc
2)赚钱的动力减退。有钱了是不是夫妻俩其中一个可以早点先退休照顾家里提高生活品质?本来一直削尖脑袋想着怎么赚钱,现在可以歇歇了吧?
3)财富坐标的期望是对数形式的。你有了50万想要有100万,有了500万,就想有1000万而不是550万。但是赚钱的能力,却不是对数增长的。赚钱能力也许比线性增长要快一些,但还是达不到对数增长的速度,所以赚钱的速度就会慢下来。
4)leverage的能力不能同比增长。你如果工资收入30万,有50万现金,你可以贷款150万买到200万的物业。如果运气好物业价格翻倍,你就赚到200万。可是如果你有500万现金,工资收入还是30万,你想要贷款1500万,不是说不可能,但是恐怕就没有那么容易了。
5)随着财富的增长,你需要更多的考虑保护你已有的财富,而不是冒进。对于一个有20万工资收入的家庭来说,如果有50万,投资赔掉了,还可以从头再来辛苦几年就是了。但是如果把500万投资赔掉了,那这辈子都很难东山再起。

当然凡是都有例外,我讲的是普通人家的投资理财。如果你是做一个生意,有着宏大的目标和长远的规划,那么,千万,亿都很可能只是一个起步阶段。
texastrader
 
帖子: 136
注册: 2014-04-16 20:07

Re: 到底是第一桶金好赚还是后面几桶金好赚?

帖子jy101 » 2015-02-07 19:02

I read somewhere once that avg household networth in US is somewhere 300k at age 50.

if one can accumulate 3 mil wealth in life time, already better than 99% of the people.
jy101
 
帖子: 640
注册: 2014-04-16 21:57

Re: 到底是第一桶金好赚还是后面几桶金好赚?

帖子jeepster » 2015-02-07 23:48

jeepster
 
帖子: 488
注册: 2014-04-16 20:20

Re: 到底是第一桶金好赚还是后面几桶金好赚?

帖子梁山 » 2015-02-11 23:26

非常同意你的说法。当有一定高资本的时候,年收入要砍去起码四成去课税,由于信用巳达到或靠近瓶颈,迫你只能不断去还本金而不可能再放大去投资。
梁山
 
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注册: 2014-05-07 23:19

Re: 到底是第一桶金好赚还是后面几桶金好赚?

帖子BayFamily » 2015-02-24 13:24

第一桶金好赚。 不出意外的,轻轻松松可以每隔4-5年弄一粒米的一桶金。
BayFamily
 
帖子: 14
注册: 2014-05-10 17:18

Re: 到底是第一桶金好赚还是后面几桶金好赚?

帖子SunshineInCA » 2015-02-24 20:01

SunshineInCA
 
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注册: 2014-05-01 10:41

Re: 到底是第一桶金好赚还是后面几桶金好赚?

帖子texastrader » 2015-02-24 21:19

阳光,你这一说,让我们这些现在还在鸟不生蛋的穷地方混日子的人怎么活啊。给点鼓励好不好? @onion19@
texastrader
 
帖子: 136
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Re: 到底是第一桶金好赚还是后面几桶金好赚?

帖子jeepster » 2015-02-24 21:53

jeepster
 
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Re: 到底是第一桶金好赚还是后面几桶金好赚?

帖子SunshineInCA » 2015-02-24 22:09

SunshineInCA
 
帖子: 580
注册: 2014-05-01 10:41

Re: 到底是第一桶金好赚还是后面几桶金好赚?

帖子SunshineInCA » 2015-02-24 22:10

SunshineInCA
 
帖子: 580
注册: 2014-05-01 10:41


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