세계적인 부자 찰리 멍거는 당신의 첫 10만 달러가 가장 중요하다고 말합니다

찰리 멍거는 당신의 첫 10만 달러가 가장 중요하다고 말합니다

억만장자 투자자 Charlie Munger에 따르면, 첫 10만 달러를 저축하는 것이 가장 중요하다고 합니다. Munger는 은퇴를 위한 저축의 가장 어려운 부분은 시작하는 것이고, 처음 10만 달러는 가장 저축하기 어렵다고 생각합니다.

 

멍거는 광범위한 시장 노출을 제공하고 초보 투자자들이 시작할 수 있는 좋은 방법인 저가 인덱스 펀드에 투자할 것을 제안합니다. 그는 또한 가능한 한 부채를 피하고 당신의 수입에 못 미치는 생활을 할 것을 권합니다.

 

처음 10만 달러를 절약한 후에는 시장에 계속 투자하고 복리를 활용하여 시간이 지남에 따라 저축을 늘릴 것을 제안합니다.

 

가장 중요한 것은 매달 조금씩이라도 최대한 빨리 저축을 시작하는 것입니다.

더 일찍 시작할수록 더 많은 시간을 투자해야 합니다.

 

그러니 너무 늦을 때까지 기다리지 마세요. 지금 바로 저축을 시작하고 재무 목표를 향해 노력하십시오.

 

Charlie Munger says your first $100k is the most important

According to billionaire investor Charlie Munger, the first $100k you save is the most important. This is because it is the foundation upon which your retirement savings will be built. Munger believes that the hardest part of saving for retirement is getting started, and the first $100k is the most difficult to save. However, once you have reached this milestone, you will have a solid foundation upon which to build your retirement savings.

Munger suggests investing in low-cost index funds, which offer broad market exposure and are a great way for novice investors to get started. By investing in index funds, you can take advantage of the market's long-term growth potential while minimizing risk. In addition, by avoiding debt as much as possible and living below your means, you can maximize your savings potential and increase your chances of reaching your financial goals.

Once you've saved your first $100k, Munger suggests continuing to invest in the market and taking advantage of compound interest to grow your savings over time. By reinvesting your earnings, you can take advantage of the power of compounding and steadily increase your wealth over time.

Remember, the most important thing is to start saving as soon as possible, even if it's just a small amount each month. The earlier you start, the more time your money has to grow. By starting early and investing wisely, you can achieve your financial goals and enjoy a comfortable retirement.

So don't wait until it's too late. Start saving today and work towards your financial goals. Remember, every dollar you save today is a dollar you won't have to worry about in the future.