Re: [請益] 朋友被裁員了怎麼辦?消失
有人提到週轉金的事情
這樣講好了, 如果你要買的是800-1000萬的房子
你自備款準備個200萬 左右的話
每個月還款金額如果大概 30000, 那至少準備 30000 * 12 * 2 = 720000 萬元
放在戶頭裡, 這種情況下, 房貸戶頭最起碼要放個一百萬,
我說的3-5年周轉金指的是, 如果你一年的生活最基本開銷是 70萬元
那請準備個200 - 300萬放在戶頭裡
其實我覺得這才是可以避免掉風險的方法
你以為有工作就穩了嗎? 很多人以為進了某些公司就可以從此高枕無憂 人生改變
你傻了嗎? 你的工作是掌握在別人手中的, 簡單來說 跟你的學歷 能力 什麼力都無關
老闆要你閃人你是沒話講得, 簡單來說 公司是我開的, 我要你閃你拿我有皮條?
對我來講 風險永遠只有大小 沒有一定
你以為滿手現金沒事情? 那你就錯了 滿手現金是投資新台幣 你就賭新台幣不會貶值吧!
當工作對你來講是立即性很急迫的事情時, 你根本沒時間慢慢選
只有你手頭上有足夠的籌碼, 才有機會找到適合自己的機會
而且連個三到五年不工作的錢都不存
那你最好祈禱你自己永遠不會有暫時無法工作一陣子的情況 不然財務不是馬上gg?
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