Safe Strategies for Financial Freedom
Hedge fund 避险基金
Passive income 消极所得
One of the best ways to solidify what you've learned about financial freedom is to teach your own kids and grandkids these same principles. Very few people ever get around to teaching their children how to become financially free. If you can get them started on a hands-on program early in their life, they'll have the mind-set of choosing a career that interests them rather than simply working for a paycheck.
The objective is to help your children develop good habits about money. The best way to do this is:
Teach your kids that money is important and necessary—because it is the fuel they'll need to achieve their dreams and realize their ambitions.
Set up a simple saving system which will consist of two boxes initially—with the idea that every time they get two dollars, one dollar can go into one box which is for them to spend on whatever they want while the other dollar goes into permanent savings and investment. Tell your kids their savings box will ultimately fund their spending money if they will just get into the habit of saving half of all the money they get from presents, from their allowance, from any part-time jobs they have or whatever. Usually the best way to encourage this saving habit is by drawing a vivid mental picture along the lines of: "Kids, how would you like to increase your allowance to $4,000 or even $18,000 a month?" Explain that this will be possible in the future if they have developed the habit of saving.
Every six months or so, take the money from their permanent savings box and invest it in a strategy to make more money—and explain your thinking to your kids. Help them understand the reasons why investing in their future is good, and help them feel good about the progress they're making.
Note also the ideal of saving 50-percent of everything probably won't be able to be maintained while your children are in college, just married, starting out on their first job or a young married with children. In those circumstances, you might lower the permanent savings rate to 10-percent or 15-percent of their income instead. Be careful, however, not to eliminate it altogether, as you do want them to continue to have a savings habit rather than attempting to spend everything they earn.