El mejor lugar para invertir su dinero

Jean Willy Alcide Jean Willy Alcide 183 Comments Reading: 4 min

El mejor lugar para invertir su dinero

Foto por Janko Ferlič en Unsplash

El mejor lugar para invertir su dinero es en sí mismo. La tasa de retorno para invertir en sus propios conocimientos y habilidades será mucho más alta que cualquier cosa que usted verá de acciones, bienes raíces u otras inversiones.

En algunos casos, puede medir la tasa de retorno. Dile que compres un libro. Incluso agregue el costo de su tarifa horaria promedio multiplicado por el tiempo que le llevó a leerlo. Muchos libros van a chupar. Pero de vez en cuando, tendrás una buena idea que te dará una gran tasa de rentabilidad. Como 10x el costo en cuestión de meses. Esto es especialmente cierto con los libros de productividad personal y empresarial. Pero a menudo no es una idea revolucionaria, sino más bien la exposición continua a las mismas ideas presentadas de diferentes maneras que producen un retorno constante a lo largo del tiempo. Y los resultados van mucho más allá de lo monetario. Si invertir en su propio conocimiento finalmente le da la idea de que usted necesita dejar de fumar, usted puede medir los ahorros financieros a lo largo de la vida en el costo de los cigarrillos, pero ¿cuál es el aumento en el nivel de salud que vale para usted? ¿Cuál es la idea que te permite conocer y conectarte con tu futuro esposo? ¿Qué está perdiendo 50 libras de grasa y sabiendo que usted puede evitar el resto de su vida? ¿Qué está construyendo una carrera que te satisfaga totalmente?

Un truco que aprendí de Brian Tracy es invertir el 3% de sus ingresos en su propio desarrollo personal. No sé por qué usa específicamente el 3%, pero eso parece correcto sobre mí. Así que si nos ganan $5000 por mes, usted invierte sólo US $150 por mes en su propio desarrollo personal. Usted podría comprar cerca de 10 libros de bolsillo o libros de autoayuda; Estos son generalmente $12-16 cada uno (pero esto es mucho para leer en un mes). O puede ordenar cerca de 3 programas de audio de seis cassettes o Six-CD; Estos son generalmente alrededor de $50-60 cada uno, a menudo con $20-30, si usted los compra. O que US $150 podría ir por el costo de un seminario o conferencia. La mayoría de los seminarios de desarrollo personal de un día que sé son sobre nosotros $100, con 3 días o más, por lo general en el rango de $200-600 (aunque pueden ir mucho más alto, bien sobre US $10.000). Creo que es mejor combinar y combinar diferentes tipos de aprendizaje. Por ejemplo, el mes pasado, compré un programa de audio, algunos libros y fui a un seminario de 3 días.

No es necesario gastar ese porcentaje exacto cada mes. Es bueno pasar un mes y gastar otro. Pero apunta a aproximadamente 3% para el año en promedio. Si esa cantidad te hace sentir incómodo, comienza con 1% en el primer mes y crea gradualmente. O simplemente empezar con un valor fijo como $20 hasta que obtenga la caída de la misma.

Puedes usar este presupuesto para invertir en mejorar tu camino. Esto incluye no sólo el conocimiento, sino también el equipo y los servicios, todo lo que le ayuda a crecer y mejorar. Por ejemplo, usé este presupuesto para establecer un gimnasio en casa con una estación de pesas, una bicicleta estática y muchas pesas libres. Si usted se siente estresado, usted podría utilizar el dinero para obtener un masaje profesional (en mi área, por lo general son $40-100 por 1 horas). A mi esposa le gusta pasar medio día en el Luxor SPA de vez en cuando. Si crees que sería una experiencia creciente para ti, hazlo. Toma lecciones de paracaidismo. Visita un museo. Únase a un club o membresía. Compre software para aprender a escribir más rápido. Toma clases de flauta. Tomar clases de tenis. Consigue un PDA.

Este es un hábito bastante fácil de desarrollar también. Solo escribe en tu calendario el 1 de cada mes: "invierte 3% en mí mismo". Así que cuando llegue la fecha, averigua cuánto dinero ganaste en el mes anterior y después de cómo lo gastarás. Si puede, gastarlo inmediatamente – fácil cuando usted ordena en línea. Recuerde que esto es una inversión; El dinero que gaste aquí será reembolsado a largo plazo en función de cómo lo invierta.

Si usted corre su propio negocio, usted puede decidir si invertir un porcentaje de su beneficio bruto o su ingreso neto. Yo uso el bruto, que obviamente me da un presupuesto más grande. Utilice cualquier figura con la que se sienta más cómodo.

Incluso si me interrogaron para ir de compras, ese es el tipo de compras que me gusta. Usted puede darme una serie de compras de US $10.000 en el centro comercial local, y no voy a ser capaz de encontrar todo lo que quiero. Pero cuando se trata de invertir en conocimientos y habilidades, de repente no tengo ningún problema para encontrar una lista de deseos. Es divertido pensar, "OK, tengo $ X para gastar en mi propio crecimiento personal. ¿Cómo debo hacerlo? "Compraremos 30 mejores acciones de salud, 10 acciones de prosperidad financiera, 5 medidas de comunicación y 20 acciones de relación.

¡ Felices gastos!

 

No se olvide, este artículo es de Steve Pavlina, si usted tiene la voluntad de leer el original puede hacer clic aquí.

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About the Author

Jean Willy Alcide
Jean Willy Alcide

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