| 幸福大叔 | 2014-09-02 10:30 |
两个数字可预测你幸福[attachment=1476]According to one financial expert, how happy you'll be after you stop working isn't just about how much money you have. It's based on how much money you have in relation to how much you need. Wes Moss, the chief investment strategist at Capital Investment Advisors and host of "Money Matters," interviewed over 1,300 retirees in 46 states. He details the findings of his survey in his book, "You Can Retire Sooner Than You Think: The 5 Money Secrets Of Happy Retirees," where he writes his observations of the happiest retirees, from how they think to what they drive. From all of that research, he came up with a ratio that he finds could help predict your financial security, and by extension, your happiness, in retirement. It's called the Rich Ratio. It's pretty simple. To figure out yours, you just need to determine: 1. How much money you'll have. This number should be your monthly income, including any income streams supplementing your savings, such as Social Security, a pension, or rental income. 2. How much money you'll need. This number should be your monthly expenses. Don't just guess! How much will your living expenses, groceries, transportation, entertainment, and even medical costs set you back? If you currently keep a budget, that's a great place to start sourcing these numbers and modifying them for your planned retirement lifestyle. Then, divide the first number (how much money you'll have) by the second (how much money you'll need) to come up with your Rich Ratio. For example, $2,400 income divided by $2,000 expenses equals a Rich Ratio of 1.2. It isn't revolutionary, but it does boil down your financial security into a single number. "Any ratio over one is fantastic," writes Moss. "Any ratio below that, well — let's just say you have some work to do." This Number Could Help Predict Your Happiness Later In Life  By Libby Kane7 hours ago 根据一位金融专家的说法，在你停止工作之后，你会有多高兴，这不仅仅是你有多少钱。它是基于你有多少钱与你需要多少钱有关。 资本投资顾问公司的首席投资策略师韦斯莫斯在46个州采访了超过1,300名退休人员。 他在自己的书中详细描述了他的调查结果：“你可以比你想象的更早退休：快乐退休人员的5个金钱秘密”，他在书中写下了他对最幸福的退休人员的观察，从他们如何思考到他们所驾驶的东西。 在所有这些研究中，他提出了一个比率，他发现这可以帮助你预测你的财务安全，以及你的幸福，在退休后的幸福。 它被称为财富消费比。这很简单。为了找出你的，你只需要确定： 1。你会有多少钱。这个数字应该是你的月收入，包括任何补充你储蓄的收入流，比如社会保险、养老金或租金收入。 2。你需要多少钱。这个数字应该是你每月的开销。不要只是猜测!你的生活开支、生活用品、交通、娱乐、甚至医疗费用会让你恢复多少？如果你现在有一个预算，那是一个很好的地方来开始寻找这些数字，并为你计划的退休生活方式修改它们。 然后，将第一个数字（你将会有多少钱）除以第二个（你需要多少钱）来计算你的富裕比率。 例如，2 400美元的收入除以2000美元的支出，等于1.2的富裕比率。这不是革命性的，但它确实把你的财务安全归结为一个数字。“任何超过一的比例都是不可思议的，”莫斯写道。“如果低于这个比例，我们就说你有一些工作要做。” 这个数字可以帮助你在以后的生活中预测你的幸福(原标题) |
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