t**y 发帖数: 977 | 1 【 以下文字转载自 Programming 讨论区 】
发信人: cckyle2001 (cckyle), 信区: Programming
标 题: 有近$2.5百万的净资产,为$11万一年的工作这么拚值得吗?
发信站: BBS 未名空间站 (Fri Oct 2 11:18:56 2015, 美东)
这二星期因工作太忙,精神快要崩溃了,说出来,可能被人笑话。
6年前,做了正确决定,大量投资低价出租房。这几年来,净资产高速增加。
所以我认为是到了放松点的时候。我跟老婆都不会,或说没有能力找高工资的工作,所
有两人的工作是工资约11万的码工。
老婆是做qa的工作。以前工作基本能自己应付。上个月领导问有没没人可帮开发部门做
开发工作,她主动说她可以。以为要了做开发。可少做 qa。但要了做开发后,qa的工
作没减少。变成要做二份工作。开发部门也没给时间学,就要求直接上手。所有工作变
得太忙,应付有困难。老婆就要求我帮她做工作。
这二个星期,我工作也得忙,没有精力全力帮她做,只能告诉她有问题如何解决。
她就唠叨说我我没直接帮她做,只告诉她怎么做不够。
我很生气,我说周日只能告诉她怎么做,周末才能直接帮做。说如果沒能力做,且无法
要到多些时间。工作就别做了,也可辞职。
我认为她应该要求减少qa的工作。开发工作多要时间,不必去表现自己很会做。丢了工
作也无所畏。
我认为她这么拚不值得。现在变成要做二份工作,拿一份工资。还想要我加进去帮做。
我认为这是不明智的,必须改变。
我自己总的感觉。我们太不会生活了。太爱钱了,应该改变。 |
t**y 发帖数: 977 | |
a********e 发帖数: 5779 | 3 这点钱其实不多如果是人到中年的话。好在还是出租房,有比较稳定的收入。不过不管
有没有钱,还是找一份自己能够handle的感觉高兴的工作好. |
v********t 发帖数: 242 | 4 二百五十万的净资产不算多请问应该是多少呢?
[在 avayagrape (没有) 的大作中提到:]
:
:这点钱其实不多如果是人到中年的话。好在还是出租房,有比较稳定的收入。不过不
管有没有钱,还是找一份自己能够handle的感觉高兴的工作好.
:........... |
a********e 发帖数: 5779 | 5 这些钱人到40照样要上班。实现不了financial freedom. 7个million 还差不多
【在 v********t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 二百五十万的净资产不算多请问应该是多少呢? : [在 avayagrape (没有) 的大作中提到:] : : : :这点钱其实不多如果是人到中年的话。好在还是出租房,有比较稳定的收入。不过不 : 管有没有钱,还是找一份自己能够handle的感觉高兴的工作好. : :...........
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t**y 发帖数: 977 | 6 有多少钱没意义,重要的是你一个月不用工作有多少收入。我觉得对不过奢侈生活的人
来说,一个月1万5到2万就足够了。
【在 a********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 这些钱人到40照样要上班。实现不了financial freedom. 7个million 还差不多
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a********e 发帖数: 5779 | 7 假设活到80多岁,1.5万x12x40=720万。这个是不考虑通货膨胀和意外医疗保健开销。
每年投资回报抵销上述开销,所以四十多岁想实现financial freedom需要7个million
【在 t**y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 有多少钱没意义,重要的是你一个月不用工作有多少收入。我觉得对不过奢侈生活的人 : 来说,一个月1万5到2万就足够了。
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t**y 发帖数: 977 | 8 你这算法,我只能呵呵了。如果不中大乐透,你永远都无法实现financial freedom。
million
【在 a********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 假设活到80多岁,1.5万x12x40=720万。这个是不考虑通货膨胀和意外医疗保健开销。 : 每年投资回报抵销上述开销,所以四十多岁想实现financial freedom需要7个million
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a********e 发帖数: 5779 | 9 It is just a math calculation. The key factor is monthly cost. I think most
people will not spend $15K per month. so the number can be lower.
Do not say never, you never know what will happen tomorrow.
【在 t**y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你这算法,我只能呵呵了。如果不中大乐透,你永远都无法实现financial freedom。 : : million
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n*******s 发帖数: 17267 | 10 再怎么通涨,7个米足可以退休了,通涨以后,不用投资,银行的利息可以抵掉大部分
的通胀。
绝大多数40出头的人资产是没有2.5个米的,家庭收入22万想在40出头敛进2.5米多半就
是个坑。 |
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t**y 发帖数: 977 | 11 Do you know money can generate money?
most
【在 a********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : It is just a math calculation. The key factor is monthly cost. I think most : people will not spend $15K per month. so the number can be lower. : Do not say never, you never know what will happen tomorrow.
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t**y 发帖数: 977 | 12 呵呵,原楼主说的都是实话,像他这么实诚的人,整个买买提也没几个。他的钱不是都
靠攒的,有不少是房子增值来的,他也不是40出头,50出头了吧。
【在 n*******s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 再怎么通涨,7个米足可以退休了,通涨以后,不用投资,银行的利息可以抵掉大部分 : 的通胀。 : 绝大多数40出头的人资产是没有2.5个米的,家庭收入22万想在40出头敛进2.5米多半就 : 是个坑。
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w***i 发帖数: 1135 | 13 2.5m的总资产真的没多少。而且很多都在自住房,退休账户里。手上的钱不多。
【在 n*******s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 再怎么通涨,7个米足可以退休了,通涨以后,不用投资,银行的利息可以抵掉大部分 : 的通胀。 : 绝大多数40出头的人资产是没有2.5个米的,家庭收入22万想在40出头敛进2.5米多半就 : 是个坑。
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a********e 发帖数: 5779 | 14 Of course I know. But after retirement, you will not put your money into
high risk equity market, right? Annually 3%-4% return to hedge inflation,
that's a very good investment return for retirees.
【在 t**y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Do you know money can generate money? : : most
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a********e 发帖数: 5779 | 15 Agree 7M is enough to retire at age of 40+.
Many double income house hold, their primary resident net worth $1M+, plus
two 401K accounts, $2.5M net assets for a 40+ family is not impossible even
they do not have other investment channel.
【在 n*******s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 再怎么通涨,7个米足可以退休了,通涨以后,不用投资,银行的利息可以抵掉大部分 : 的通胀。 : 绝大多数40出头的人资产是没有2.5个米的,家庭收入22万想在40出头敛进2.5米多半就 : 是个坑。
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t**y 发帖数: 977 | 16 First, 3-4% is good? hehe. When you have enough money, a lot of guys will
come to me to ask for manage your money for much higher return. You will
find out there are so much ways to do the investment.
Second, you don't need to still have million dollars left when you die, you
can't take it with you.
Third, how much money you need per month? No house payment, no kids expense,
no money need to save for retirement, I guess not much.
So, you don't need 7 million.
【在 a********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Of course I know. But after retirement, you will not put your money into : high risk equity market, right? Annually 3%-4% return to hedge inflation, : that's a very good investment return for retirees. :
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a********e 发帖数: 5779 | 17 We are focus on retirement not the general investment stragtegy here.
And for age 40+, you need to take care of your kids, right?
If plan to retire at age of 40+, with a several million dollars net assets,
you have to choose a more conservative strategy to protect your rest of your
life instead of purse aggressive investment return.
For the rich people, they have enough money to expose to high risk equities
and purse high return is not surprise. But this is out of the discussing
topic.
you
expense,
【在 t**y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : First, 3-4% is good? hehe. When you have enough money, a lot of guys will : come to me to ask for manage your money for much higher return. You will : find out there are so much ways to do the investment. : Second, you don't need to still have million dollars left when you die, you : can't take it with you. : Third, how much money you need per month? No house payment, no kids expense, : no money need to save for retirement, I guess not much. : So, you don't need 7 million.
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a********e 发帖数: 5779 | 18 We are focus on retirement not the general investment stragtegy here.
And for age 40+, you need to take care of your kids, right?
If plan to retire at age of 40+, with a several million dollars net assets,
you have to choose a more conservative strategy to protect your rest of your
life instead of purse aggressive investment return.
For the rich people, they have enough money to expose to high risk equities
and purse high return is not surprise. But this is out of the discussing
topic.
you
expense,
【在 t**y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : First, 3-4% is good? hehe. When you have enough money, a lot of guys will : come to me to ask for manage your money for much higher return. You will : find out there are so much ways to do the investment. : Second, you don't need to still have million dollars left when you die, you : can't take it with you. : Third, how much money you need per month? No house payment, no kids expense, : no money need to save for retirement, I guess not much. : So, you don't need 7 million.
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t**y 发帖数: 977 | 19 That's why I said you can never financial free unless you win a BIG lotter.
:D
,
your
equities
【在 a********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : We are focus on retirement not the general investment stragtegy here. : And for age 40+, you need to take care of your kids, right? : If plan to retire at age of 40+, with a several million dollars net assets, : you have to choose a more conservative strategy to protect your rest of your : life instead of purse aggressive investment return. : For the rich people, they have enough money to expose to high risk equities : and purse high return is not surprise. But this is out of the discussing : topic. : : you
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a********e 发帖数: 5779 | 20 我说过never say never. 这个hint足够了吧。
.
【在 t**y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : That's why I said you can never financial free unless you win a BIG lotter. : :D : : , : your : equities
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t**y 发帖数: 977 | 21 是说你有7m了吗?富2代啊!
【在 a********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我说过never say never. 这个hint足够了吧。 : : .
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c********1 发帖数: 5269 | 22 I think I can live on investment income with $3~4M networth.
you
expense,
【在 t**y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : First, 3-4% is good? hehe. When you have enough money, a lot of guys will : come to me to ask for manage your money for much higher return. You will : find out there are so much ways to do the investment. : Second, you don't need to still have million dollars left when you die, you : can't take it with you. : Third, how much money you need per month? No house payment, no kids expense, : no money need to save for retirement, I guess not much. : So, you don't need 7 million.
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a********e 发帖数: 5779 | 23 你非要歪曲理解不是我的错。这里是讨论多少钱退休的问题。以后不回这个贴了。
【在 t**y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 是说你有7m了吗?富2代啊!
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t**y 发帖数: 977 | 24 哪里曲解你的意思? 我们就是讨论多少钱退休的问题,你坚持要7m,我说用不着。
【在 a********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你非要歪曲理解不是我的错。这里是讨论多少钱退休的问题。以后不回这个贴了。
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t**y 发帖数: 977 | 25 I agree.
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I think I can live on investment income with $3~4M networth. : : you : expense,
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p*****n 发帖数: 210 | 26 Yes you can, but not for your family
我和你经历应该相似,也是几年前在湾区买了几个房子,现在family Networth 也是3
个多M
现在每年~15W 租金收入,So what?一年Mortgage + Property Tax + Insurance
要付18W, 一个娃养到大+ 大学学费就差不多1个M 。 Live on investment income
就是个dream , 现在还不得老老实实打工挣钱养家
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I think I can live on investment income with $3~4M networth. : : you : expense,
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c********1 发帖数: 5269 | 27 Rental cask flow is negative?
15W 租金.
loan amount about$400K.
一年Mortgage + Property Tax + Insurance about 4 ~5 W
repair 2 W.
Net income about 8~9 w.
I think 个娃养到大+ 大学学费就差不多0.5M.
I have 3 娃.
钱多有钱多的养法
钱少有钱少的养法
3
【在 p*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Yes you can, but not for your family : 我和你经历应该相似,也是几年前在湾区买了几个房子,现在family Networth 也是3 : 个多M : 现在每年~15W 租金收入,So what?一年Mortgage + Property Tax + Insurance : 要付18W, 一个娃养到大+ 大学学费就差不多1个M 。 Live on investment income : 就是个dream , 现在还不得老老实实打工挣钱养家
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p*****n 发帖数: 210 | 28 My loan amount 2.2m, property tax 46k
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Rental cask flow is negative? : 15W 租金. : loan amount about$400K. : 一年Mortgage + Property Tax + Insurance about 4 ~5 W : repair 2 W. : Net income about 8~9 w. : I think 个娃养到大+ 大学学费就差不多0.5M. : I have 3 娃. : 钱多有钱多的养法 : 钱少有钱少的养法
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c********1 发帖数: 5269 | 29 That is a lot of loan.
Who advised you to buy rental properties?
I am not comfortable to buy a rental property with negative cash flow. All
my properties are in low cost state, and have big positive cash flow.
I only buy rental property , [rental income] / price > 8%
【在 p*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : My loan amount 2.2m, property tax 46k
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t**y 发帖数: 977 | 30 你这3m有一半是房子涨价涨出来的吧,就不要叫了。
3
【在 p*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Yes you can, but not for your family : 我和你经历应该相似,也是几年前在湾区买了几个房子,现在family Networth 也是3 : 个多M : 现在每年~15W 租金收入,So what?一年Mortgage + Property Tax + Insurance : 要付18W, 一个娃养到大+ 大学学费就差不多1个M 。 Live on investment income : 就是个dream , 现在还不得老老实实打工挣钱养家
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s****s 发帖数: 2163 | 31 不用这么悲观,过两年RENT再涨涨,就可以 CASH EVEN了。其实你每月付的MORTGAGE里
有不少是本金,这个一年应该有好几万呢。就相当于强迫存款了。还有你5M的房子,一
年就算房子涨5%也有25万增值了。过几年就FINANCIAL FREE了。
3
【在 p*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Yes you can, but not for your family : 我和你经历应该相似,也是几年前在湾区买了几个房子,现在family Networth 也是3 : 个多M : 现在每年~15W 租金收入,So what?一年Mortgage + Property Tax + Insurance : 要付18W, 一个娃养到大+ 大学学费就差不多1个M 。 Live on investment income : 就是个dream , 现在还不得老老实实打工挣钱养家
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d******r 发帖数: 327 | 32 考虑过房子过几年每年跌5%吗?
【在 s****s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 不用这么悲观,过两年RENT再涨涨,就可以 CASH EVEN了。其实你每月付的MORTGAGE里 : 有不少是本金,这个一年应该有好几万呢。就相当于强迫存款了。还有你5M的房子,一 : 年就算房子涨5%也有25万增值了。过几年就FINANCIAL FREE了。 : : 3
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t**y 发帖数: 977 | 33 楼主算成功人士了。钱虽不算多,但子女双全,家庭幸福比绝大部分人强了。 |