关于财务自由

《雪球 – 通往财务之处之路》

普通人怎样才算财务自由

作者一:事实上以一般人的标准,如果投资能够给一个家庭带来10-30万的现金流,而且能以不低于GDP的速度增加,那就是财务自由了。当然雪球上有钱人多,可能这个标准不值一哂。但我想,无论怎么算,税后年收入超过30万的家庭,在全国的比例也不会高,无需工作就能享受比他们更好的物质生活,我觉得可以满足了。

作者二:对一个遵纪守法的普通老百姓来说,所谓入门级的财富自由,就是:有一套房、无负债、资产分红足以覆盖三年的家庭生活支出,这就是普通人独善其身的财富自由!

个人总结,如果要每年投资收入要达到30万,保守的收益率(资本越大越要保守和稳健)为6%,至少要800万!也就是说,大部分人实现真正的财务自由,基本上是个梦。但如果能够凭借个人的努力,让家人过得更好,就算没有800万,也是必须要努力的。

关于医疗保险

我们目前职工的社保只是基础的医疗保险,只能保小病,万一有了一些重大疾病,需要商业医疗保险才能覆盖医疗成本。个人觉得需要给双方父母、自己家庭成员都上保。万一有一些重大疾病而没有保险,那么

但具体每年的保费是多少、哪里优点和劣势、会有哪些陷阱等,都需要进一步了解。同时,社保能够覆盖的范围也需要更详细了解清楚。

计划在今年实施。

 

893 thoughts on “关于财务自由”

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