I save hard ,invest and spend less. After 10 year my total portfolio can fully settle my house loan anytime(my age is 36). When I know I can settle the loan anytime I already have the feeling of financial freedom because that is my biggest debt. In case I get fire I can just simply get a lower pay job to sustain. I spend 2% of my salary on transport cost to work because I m biker.meanwhile my colleague spend around 10% for transport
Thanks for your encouraging story. Most of us are worried about the accommodation issue . Once you settled with the burden everything since then will pressurize you less. I do think "work and save as hard while we're still capable" is worthwhile
My age is similar with you and i got financial freedom as well .... My 4 principle: (1) No need save hard but keep saving, (2) borrow $ on investment (generate passive income), (3) keep body and mindset healthy (4) Prepare well basic protections .....
It will take 30% from your dividends for tax. No matter how much, it is good to invest asap especially it is for the long term & if you are very young. Keep discipline is a must.
I save hard ,invest and spend less. After 10 year my total portfolio can fully settle my house loan anytime(my age is 36). When I know I can settle the loan anytime I already have the feeling of financial freedom because that is my biggest debt. In case I get fire I can just simply get a lower pay job to sustain. I spend 2% of my salary on transport cost to work because I m biker.meanwhile my colleague spend around 10% for transport
Thanks for your encouraging story. Most of us are worried about the accommodation issue . Once you settled with the burden everything since then will pressurize you less. I do think "work and save as hard while we're still capable" is worthwhile
My age is similar with you and i got financial freedom as well .... My 4 principle: (1) No need save hard but keep saving, (2) borrow $ on investment (generate passive income), (3) keep body and mindset healthy (4) Prepare well basic protections .....
Congrats penny 🥰 so ging
謝謝分享👍🏻
月供d etf index fund就算, 懶懶地但好似回報都唔錯
學咗好多野啊，多謝晒，財女都靚女咗好多👏👏
禮貌地謝謝
希望各位啱啱出嚟做嘢嘅朋友，想快啲退休財務自由，除咗開源之外，首先就係減低開支，唔好年年追電話款、唔好追名牌、唔好一年去幾次旅行，儲咗第一桶金先，之後再利用槓桿去投資，唔好成日喺度話冇錢剩，轉個頭就要換電話去旅行.....
一語中的 penny 🤗 其實無野係做唔到，只係你是否足夠想做。
每个人都需要自己的理财退休规划。
分享我个人的财务管理方程式“6211”
60% - 固定开销
20% - 储蓄投资
10% - 风险管理
10% - 紧急流动资金
只要坚持计划，FIRE绝对没问题。
谢谢财女分享！
david, 多謝你提出很多人想忽略的風險管理資金重要性^^
謝谢分享! 又有多些知識。英文：Thanks for sharing! Have more knowledge.
感謝你頭一個讃好😻
@@girlbossinvest 客氣! polite!😀😀😀
想問下美股股息, 咪要抽稅, 我地少錢既 每月買唔多, 會唔會唔抵? 1-2 千月供美股d EFT 是否化算?
It will take 30% from your dividends for tax. No matter how much, it is good to invest asap especially it is for the long term & if you are very young. Keep discipline is a must.
快樂其實真係好簡單，不過生活在水深火熱中的香港人只可以由早年開始諗退休, 先可以跳出MOUSE CIRCLE
學子華神話齋, 要由細開始利搭利先得。
有父幹的小朋友未識性已經有人安排好利疊利，但無的真係靠自己身邊嘅人有無提醒你早日籌備將來。因為專注現在快樂，是多麼的簡單呢
有道理
有一樣嘢係比較可悲嘅，就係我哋唔清楚自己想要嘅快樂係乜。
係，你點出了很多人嘅痛點
我係男但完全無投資智識可以從何入手呢？成副身家得幾十萬無樓無負債可以給我一點意見
你可以入黎patreon看看我呢度新手理財投資內容可以點幫到你
www.patreon.com/girlbosshk
我係女仔都覺得財女好可愛😚
多謝讚賞😆我啲女仔fd 話我似傻頭傻腦嘅日本卡通
妳How old？