お金の貯め方の基本

f:id:nanbono:20190829070318j:plain今日もマッチョ成分無し。

お金の貯め方の話。

 

結論をまず書いちゃうと、

1.継続可能な範囲で節約して、

2.投資しろ

です。

 

まず1.節約に関しては3日ほど前にまとめたからぜひ見て欲しい。

よくあるお金が貯まらない人の特徴として、もらった給料分使ってしまう人。

あえて強い言葉を使って非難する。

身の程知をらず、年収相応の生活が出来ていない人だ。

まぁそういう人生がええねん言われたらなにも言えなくなるが、これだと仮に起業とかにも不利だし、老後とか不安にならないか。

仕事や遊びで自己成長出来ているとは思うが、お金に関してはプラマイゼロのままだ。

グッと我慢して気合で月10万円、年間120万、3年で360万。

こういうお金を投資にまわすんや。

ここまでくれば老後の足しになったり、起業する初期投資になる。

 

2.の投資に関して。

・老後に使うためならイデコ一択じゃないかな

・60歳よりも早く資金を使う可能性があるならつみたてNISA

外株インデックスファンドに無理が無い程度にぶっこむのが基本かなぁ。

勉強不足で株やFXは絶対ダメ。

仮想通貨は宝くじのようなもの。

めっちゃくちゃお得やん!っていう情報は大体穴がある。

投資信託は必要になったらすぐに引き落とせるんだから、貯金は最小限でいいと思っている。

俺の銀行口座には基本100万くらいしか入ってない。

 

以上、強いマインドを持って計画的に。

細かいところは自分で調べろ!

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