Talk about Millionaire
After 20 years of research on the rich, Thomas Stan finally has returned. He and the people of William Danke (both have a docto's marketing expert), enjoy "Millionaires around: The United States is the big secret" one book leader's best selling by 8 weeks pleasure. Although the copyright of the paperback will make him profit 1.3 million US dollars, Stanley still lives in a 4-bedroom house built in 1982. In the topic of Millionaire, he and the editor-in-chief An · Kate Smith have a discussion.
Who is a standard millionaire in fact, you are rarely rare in the corporate giants seen on the "Forbes" magazine and "happy" magazine. Usually, millions of rich weng is a small shop, or the dealer of scrap copper rotten iron. Most of them are not doctors, lawyers or MBAs? Most of our interviewed millions of rich Weng have been sensed by 4 years. Some of them are doctors or other professionals, but a large part is individual operators. There is a self-seeker in the US family in less than 20%, but these industries account for 66% to 80% in all professional millionaires.
What is the millionaire? This question asked ordinary people. Like the father of a generation of generations of birthday, he said that if you have been well-educated and there is a considerable income, you will not worry about anything. Big pen makes money, spending money, and comfortable life. But you have to understand the huge difference between income and wealth. You have to know how to make money, you can constantly attack, but you also need to build a defense system in order to save money.
What is the best defense system? The living standard is below the income level. The average annual income of the millionaires we have studied is $ 1.31 million. However, they know that the overhead used for their own is actually less than $ 100,000. Many million Millionaires in the United States have 6-8 million US dollars. Is there any secret? If people have to become a millionaire at the age of 50 to 55, it should take at least 15% of the revenue every year. The marriage can be 4% in a few years, and then up to 10%, and it is increased to 15% to 40 years. The secret is where the money will be appreciated and will not pay immediately. It may be real estate or may be a stock market, or your own business. So, preference is medium income and do long-term investment, which means that it will not be generous when taxing is taxed.
I think the Government will not like these people. Typical Americans spend 12% of their wealth in terms of tax form. However, people who have a heartfelt wealth pay only 2%. What areas of Millionaires invested in deposits? Most of the millionaires who have been interviewed say it is best to invest in the market. But the focus of investment is their own business. Those millionaires who have fallen in the market are not active businessmen. We have more than 40% of millions of millionaires across the country, and their stocks do not trade in 12 months of interviews.
What is their lifestyle? Surprisingly, many millionaires' lifestyle is very simple. There is a person, I know he has a $ 25 million property, but he never bought a new car. He has 4 children, but there is only one 3 bedroom house. His two children sleep in the double bed, and he drives a Volvo car 5 years ago. Another person is an individual doctor from 55 years old. After graduating from the medical school, he only bought two cars, all Mercedes. The first vehicle ran 200,000 miles. 6 years ago, he bought a second car, and this car was over 3 years. Another doctor never eats outside. His wife gave him lunch, he put meals into a brown paper bag. More than 30 years, paper bags have also spent a lot. However, this sounds not interesting. These are people who are greatly satisfied from their independence. If you prefer, the millionaires listed in our research will be a penny that you can live for 16 years. Many people are a white hand, no heritage. An entrepreneur who sells, rental and renting construction equipment told me that he would see that when he saw his car passed his door, he would think: "If their children have been kidnapped, they can't take $ 10,000." Here There is also a story that Individuals are important to develop financial plans. I talked to a person who was not a millionaire. He is 0 years old and is the middle of the East Coast. One week ago, someone told him that after Christmas, he will be resettled to Denver. He is the vice chairman of PTA, 3 children read books in school, and all are keen on sports, his wife likes the community. So what do he do? There is no other law, he can only go to Denver, because his deposit is only equivalent to 3 months of income. How do you know that you are going to get rich? Use your age with annual income before the heritage tax, then by 10, and then double the number. In this way, the part you get to the legacy is your net. If you earn $ 50,000 a year, you have a age of 50, and your net assets should reach $ 500,000. What factors are not conducive to deposit? Use money in a worthless consumption above - clothing, laid, dry cleaning ... If you are a doctor, lawyer, accounting, MBA, you think you should live in a special area, you should drive a special car, then It is wrong. We interviewed such a person, he was wearing a $ 2,000 dress. In fact, when you wear it out of the store, how much is this costume? Can you sell it in what prices on the old goods market? A young securities broker called me to call me, he earned $ 80,000 every year, wanted to buy a big house. I looked at his final account and found that he was in the best to borrow money to the bank. I gave him an example that there is a couple of two-course couple who use spare time to open a bus and earn $ 80,000 a year. Just because you are a broker, there is a master's degree in business administration, and you don't mean you have to live in a luxurious and luxurious area.
What is hazard? Is the house better? That is not a bad place in investment. You turn the money into fixed assets, you live there, your income tax is submitted. However, the investment in the big mortgage loan is very small in other projects, and the situation is far less simple. You bought a large house worth $ 400,000, you can't shop, you can't let your child look full. If you live in a region where the house is priced at 30 ~ 400,000, you will drive a luxurious imported car, there are private schools and rustic clubs, they have no bottom.
What should I spend on the housing? Our principle is to buy a house with mortgage loans, mortgage loans twice the year-round income of your family, otherwise you will be invincible. What do you want to know about the best mortgage? There are three types: fixed exchange rate, variable exchange rate, and no mortgage. No mortgage loans are the best. That's why I pay my debt in advance. Half of the millionaires live in the middle class family, blue-collar or rural, just like an interview with a guy, he only found a dress in his closet, not thinking about it. He drove a car, the pedal cowboy boots 10 years ago, wearing jeans. His past high school classmates live in expensive apartments, driving renting cars, sending children to private schools, but there is no savings. He met these people as: "The bovine is very large, but it is insufficient." - from "Scientific Investment" 2004 No. 1
