
Finančná sloboda je vysnívaný ostrov osobných financií. Je to sloboda, v ktorej prestanete pracovať, kedy chcete a stále môžete žiť život podľa vašich prianí.
Kľúčom je pasívny príjem, čo je príjem, ktorý dostávate bez vykonávania aktívnej práce. Napríklad, úroky na vašom sporiacom účte sú ukážkou pasívneho príjmu. Nemusíte pracovať, aby ste zarábali. Nemusíte sa starať o účet a úroky naň aj tak nabehnú. Aby ste dosiahli finančnú slobodu, váš pasívny príjem by mal byť väčší alebo rovnajúci sa vašim výdajom.
Z toho, čo som sa naučil viem, že dosiahnutie finančnej slobody sa dá zhrnúť do dvoch pravidiel.
- Keď pracujete, pracujte na vytvorení systému.
- Keď nakupujete, kúpte si prínos.
Vcelku jednoduché, však? Sú jednoduché pravidlá, no silné. Možno som niečo vynechal (pokojne sa vyjadrite v komentároch), ale myslím si, že tieto dve pravidlá pokrývajú všetko, čo je potrebné na dosiahnutie pasívneho príjmu a finančnej slobody.
Keď pracujete, pracujte na vytvorení systému.
Prvé pravidlo sa stará o to, ako by ste mali tráviť svoj čas. Namiesto toho, aby ste pracovali kvôli peniazom, mali by ste tráviť čas vytváraním systému, ktorý vám bude zarábať peniaze.
Aký veľký rozdiel je medzi nimi?
Keď pracujete priamo kvôli peniazom, vždy budete musieť pracovať, aby ste zarobili viac. Nie je žiadny iný spôsob zarábať peniaze, ak nepracujete. Tu sú príklady:
- Freelencer (Nezávislý pracovník) musí pracovať na projektoch, aby zarobil peniaze.
- Lekár musí pracovať s pacientmi, aby zarobil peniaze.
- Zamestnanec musí pracovať vo firme, aby dostal výplatu.
Ak prestanú pracovať, nebudú mať žiadny príjem. Nezáleží na tom, ako tvrdo a dlho pracovali predtým, ak prestanú pracovať, ich príjem padne prakticky na nulu.
Porovnajte ich s tými, ktorí budujú systém. Ak postavíte systém, môžete prestať pracovať hocikedy a systém vám bude zarábať. Tu sú príklady:
- Vlastník obchodu, ktorý má fungujúci systém, môže prenechať obchod manažérovi a stále zarábať.
- Vlastník webovej stránky môže prestať na stránke pracovať a stále zarábať (z ,,automatických“ reklám ako napríklad Google AdSense).
- Spisovateľ môže prestať písať knihy a stále dostáva honorár z kníh, ktoré napísal.
Ak títo ľudia prestanú pracovať, ich príjem nepadne na nulu. Namiesto toho, ich systém bude pre nich naďalej zarábať peniaze. Ak vedia, že ich systém je už dostatočne silný, môžu vytvoriť nový systém, tým pádom nový zdroj príjmov.
Z týchto príkladov môžete zistiť, v ktorej kategórii sa momentálne nachádzate. Staviate systém alebo pracujete kvôli peniazom?
Samozrejme, ak pracujete kvôli peniazom, neznamená to, že by ste mali hneď skončiť s prácou a vrhnúť sa do obchodovania. Malo by prísť prechodné obdobie alebo, ak milujete svoju prácu, môžete pracovať a budovať systém súčasne. Dôležité je udržiavať si priority. Mali by ste sa vyhnúť prehnanej zaujatosti prácou, ktorá brzdí tvorenie systému, no mali by ste si byť istí, že máte dostatok finančných zdrojov na plnenie vašich túžob.
Keď nakupujete, kúpte si prínos.
Toto druhé pravidlo sa stará o to, ako by ste mali míňať peniaze. To som sa naučil z knihy Bohatý otec, chudobný otec, ktorú napísal Robert Kiyosaki. V nej je definícia prínosu niečo, čo vám zarába peniaze. Na základe tejto definície Kiyosaki tvrdí, že dom nie je prínos, ale záväzok, pretože vyžaduje náklady (elektrina, voda, údržba) bez zárobku (pokiaľ nie je v prenájme).
Takže, inými slovami, keď kupujete, kúpte si niečo, čo vám bude zarábať peniaze. To neznamená, že si nemôžete kúpiť kávu (tá vám síce peniaze neprinesie), ale ide o to, aby ste využívali svoje peniaze na kúpu prínosov čo najviac.
Tu je pár príkladov prínosov:
- Nehnuteľnosti (z ktorých získate nájom)
- Služby a nástroje, ktoré vám šetria čas
- Burza a investičné fondy (iba ak viete čo robíte – máte dostatok informácií)
- Podnikateľské pomôcky a zariadenia
- Vzdelanie
Využívaním týchto pravidiel budete schopní vidieť, či sa výdavky oplatia. Ak vám výdaj zaručí do budúcnosti peniaze, oplatí sa. Inak… skúste hádať.
Jeden z dôvodov, prečo ľudia nedosahujú finančnú slobodu, je, že všetky svoje peniaze investujú predovšetkým do kúpy záväzkov namiesto prínosu. Na druhej strane, ľudia, ktorí dosahujú finančnú slobodu, sú ochotní zriecť sa potešení, aby mohli najprv postaviť svoj systém. Je to pasívny príjem z majetku, ktorý im nakoniec zabezpečí luxus.
Z popísaných dvoch pravidiel vyplývajú tieto dve otázky:
- ,,Staviam systém?”
- ,,Kupujem niečo, čo mi zarába peniaze?“
Cieľom je odpovedať si na tieto otázky čo najčastejšie slovom ,,áno“. Strávte čas budovaním systému a svoje peniaze investujte do kúpy prínosu.
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Súhlasím s tímom aj keď doposiaľ s tým Ferom sme vedno.
Snazim sa v svojej praci,ktora ma bavi a predsa to neni to ocom pisete.Ciele mam tie iste,vybudovanie pasivneho prijmu,ale cele to nejak stale predomnou uteka.Niekedy mi uz dochadza viera a energia,ale prestat si nemozem dovolit.
Ahoj Fero, ďakujeme za komentár. Dosiahnuť úspech si žiada viac než je obsiahnuté v tomto článku. V prvom rade sa nenechaj odradiť neúspechom alebo pomalým napredovaním za tvojimi cieľmi. Tým ako študuješ potrebné informácie meníš svoje názory aj osobnosť. Úspech (aj ten finančný) si často vyžaduje veľké zmeny. To všetko potrebuje čas, veľa času. Nepoznám detaily tvojej situácie a tak ti nedokážem konkrétne poradit. Obecne sa ale sústreď na dve veci:
1) Najdi si v živote niečo jednoduché, na čo dokážeš byť hrdý (športové výsledky, hobby, rodina, …). Toto ti pomôže nezblázniť sa v ťažkých časoch (keď sa nedarí a chceš všetko zahodiť).
2) Najdi ľudí vo svojím okolí, ktorý ti dokážu pomôcť, alebo poradiť. Sú to ľudia, ktorý pracujú na podobných veciach ako ty, prípadne ľudia, ktorý rozmýšľajú podobne ako ty. Toto je absolútne kritické. Správny ľudia sú často ten hlavný rozdiel medzi ľuďmi čo uspejú a tými, ktorým sa nedarí. Hľadaj všade, hovor ľudom čo robíš, navštevuj akcie zamerané na to čomu sa venuješ vo svojom okolí.
T.
Držíme palce nech sa ti darí na tvojej ceste.
Ideme do toho Ferdinand!