cover of episode The 4 Steps to Financial Independence

The 4 Steps to Financial Independence

2024/7/8
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Money Rehab with Nicole Lapin

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Nicole Lappin
一位致力于财务教育和媒体的专家,通过多种平台帮助人们提高财务素养。
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Nicole Lappin: 财务独立意味着能够优先考虑自身需求和愿望,而不是被金钱束缚。这需要摆脱债务,建立储蓄,制定合理的预算,并进行投资。摆脱债务是第一步,可以通过直面债务数字、制定还款计划和削减不必要的开支来实现。建立储蓄包括建立紧急基金、设定储蓄目标、开设高收益储蓄账户和自动化储蓄。一个有效的预算应该将支出分为必需品(70%)、长期目标(15%)和额外支出(15%)。投资是致富的关键,因为工资增长无法与通货膨胀和投资收益相提并论。建议将债券配置比例设定为自己的年龄,并使用便捷的投资平台。此外,将闲置房屋出租也是一种增加收入的好方法。

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Nicole couldn't let Independence Day get too far behind us without talking about a very important kind of independence: financial independence. Today, she breaks down the four steps she took to become financially independent. You can — and should — try this at home!

*All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Brokerage services for alternative assets are offered by Dalmore Group, LLC, member FINRA & SIPC. Brokerage services for treasury accounts offering 6-month T-Bills are offered by Jiko Securities, Inc., member FINRA & SIPC. Banking services are offered by Jiko Bank, a division of Mid-Central National Bank. Securities investments: ****Not FDIC Insured; No Bank Guarantee; May Lose Value. ***

Brokerage services for Regulation A securities are offered through Dalmore Group, LLC, member FINRA & SIPC. Risks at public.com/disclosures/alts-risk-and-conflict-of-interest-disclosure

See public.com/#disclosures-main) for more information.