Hållbar livsstil · Privatekonomi · Tankar om livet

Att bli lycklig av pengar

Trots att vi människor försöker och försöker så går det alltså inte att köpa lycka för pengar. De flesta av oss vet nog detta utan att läsa forskningsrapporter – ändå är det fascinerande att vi fortsätter våra enträgna ansträngningar. Den här artikeln som finns att läsa idag på DN:s hemsida konstaterar att rika är lyckligare än fattiga. Det gäller främst människor som är rika på så sätt att man har reda tillgångar i aktier eller på kontot. Man har inte hittat samma resultat där tillgångarna består av fastigheter eller dyra saker.

Lyckan hos de förmögna bestod till stor del av trygghet i form av minskad oro och obefintlig pengaångest. När man läser den här typen av resultat så får man ju helt klart vatten på sin sparar-kvarn. Alla ekonomibloggare från MrMoneyMustache och vidare har ju hittat rätt i pengadjungeln. Att spara pengar, skala ner sin livsstil till något ännu enklare och bättre, minska sin miljöpåverkan och ha möjlighet att kunna ge gåvor till andra i form av tid eller pengar – det är vad som gör oss lyckliga. Det är vad vi bör sträva efter.

Sedan tror jag personligen också att det som får oss att må bra är det ekonomiska självförtroendet som vi får av att själva skapa en positiv ekonomi och ett tryggt liv åt oss och våra barn. De som har skapat en trygg ekonomi (och det behöver inte innebära 5 miljoner i en aktieportfölj – ett rejält buffertkonto kan vara nog så bra) har en framgångshistoria bakom sig. Med det kommer också vetskapen om att man kan skapa sig det liv man vill ha, så länge man har modet och viljan att kämpa lite. Och för de som tänker att de aldrig någonsin kommer att få det liv de vill ha – där undrar jag om det inte snarare är drömmen det är fel på. Lyckan handlar som sagt inte om statusprylar, utan är ibland så enkelt som att slippa ha ångest över räkningarna.

Annonser

9 thoughts on “Att bli lycklig av pengar

    1. Nja, jag inser att det hade varit effektfullt om man hade haft en lyxfällan-historia bakom sig, men så är dock inte fallet 🙂 Däremot tror jag att vi alla lurar oss själva då och då – den där parfymen som kommer att få mig att lukta som Brad Pitt enligt reklamaffischen, kalsongerna i vilka jag kommer likna David Beckham och så vidare. Eller sportklockan som kommer göra mig sjukt snabb… Det gäller ju att genomskåda sitt eget resonemang och hålla plånboken stängd!

      Gilla

  1. Kommer ihåg för länge sedan, när jag för första gången lyckades ligga en månadslön före!

    Bara denna lilla buffert, hade stor inverkan på välmående och var en stor stress sänkare!

    Gilla

      1. Det är ju inte så att alla fördelar av att bli ekonomiskt oberoende kommer först när du är i mål!

        Belöningen kommer stegvis. Det är dyrt och stressande att leva hand till mun!

        Så fort man får lite marginaler kan man fatta långsiktigt lönsamma beslut. Då ökar marginalerna och man börjar komma in i en positiv spiral!

        Gilla

        1. Man vill ju hamna i en situation där man kan lyfta blicken – rikatillsamans har uttryckt det ganska träffande som att bygga en vattenledning istället för att springa med hinkar. Att som du skriver skaffa en månads buffert är förmodligen det svåraste av allt, därefter går det lättare och lättare

          Gilla

  2. Här är en text som jag tycker är bra att ha med sig i bakhuvudet under resan!

    MAKING MONEY: The most popular piece I’ve published in 40 years of writing these Letters was entitled, “Rich Man, Poor Man.” I have had dozens of requests to run this piece again or for permission to reprint it for various business organizations.

    Making money entails a lot more than predicting which way the stock or bond markets are heading or trying to figure which stock or fund will double over the next few years. For the great majority of investors, making money requires a plan, self-discipline and desire. I say, “for the great majority of people” because if you’re a Steven Spielberg or a Bill Gates you don’t have to know about the Dow or the markets or about yields or price/earnings ratios. You’re a phenomenon in your own field, and you’re going to make big money as a by-product of your talent and ability. But this kind of genius is rare.

    For the average investor, you and me, we’re not geniuses so we have to have a financial plan. In view of this, I offer below a few items that we must be aware of if we are serious about making money.

    Rule 1: Compounding: One of the most important lessons for living in the modern world is that to survive you’ve got to have money. But to live (survive) happily, you must have love, health (mental and physical), freedom, intellectual stimulation – and money. When I taught my kids about money, the first thing I taught them was the use of the “money bible.” What’s the money bible? Simple, it’s a volume of the compounding interest tables.

    Compounding is the royal road to riches. Compounding is the safe road, the sure road, and fortunately, anybody can do it. To compound successfully you need the following: perseverance in order to keep you firmly on the savings path. You need intelligence in order to understand what you are doing and why. And you need a knowledge of the mathematics tables in order to comprehend the amazing rewards that will come to you if you faithfully follow the compounding road. And, of course, you need time, time to allow the power of compounding to work for you. Remember, compounding only works through time.

    But there are two catches in the compounding process. The first is obvious – compounding may involve sacrifice (you can’t spend it and still save it). Second, compounding is boring – b-o-r-i-n-g. Or I should say it’s boring until (after seven or eight years) the money starts to pour in. Then, believe me, compounding becomes very interesting. In fact, it becomes downright fascinating!

    In order to emphasize the power of compounding, I am including this extraordinary study, courtesy of Market Logic, of Ft. Lauderdale, FL 33306. In this study we assume that investor (B) opens an IRA at age 19. For seven consecutive periods he puts $2,000 in his IRA at an average growth rate of 10% (7% interest plus growth). After seven years this fellow makes NO MORE contributions – he’s finished.

    A second investor (A) makes no contributions until age 26 (this is the age when investor B was finished with his contributions). Then A continues faithfully to contribute $2,000 every year until he’s 65 (at the same theoretical 10% rate).

    Now study the incredible results. B, who made his contributions earlier and who made only seven contributions, ends up with MORE money than A, who made 40 contributions but at a LATER TIME. The difference in the two is that B had seven more early years of compounding than A. Those seven early years were worth more than all of A’s 33 additional contributions.

    This is a study that I suggest you show to your kids. It’s a study I’ve lived by, and I can tell you, “It works.” You can work your compounding with muni-bonds, with a good money market fund, with T-bills or say with five-year T-notes.

    Rule 2: DON’T LOSE MONEY: This may sound naive, but believe me it isn’t. If you want to be wealthy, you must not lose money, or I should say must not lose BIG money. Absurd rule, silly rule? Maybe, but MOST PEOPLE LOSE MONEY in disastrous investments, gambling, rotten business deals, greed, poor timing. Yes, after almost five decades of investing and talking to investors, I can tell you that most people definitely DO lose money, lose big time – in the stock market, in options and futures, in real estate, in bad loans, in mindless gambling, and in their own business.

    RULE 3: RICH MAN, POOR MAN: In the investment world the wealthy investor has one major advantage over the little guy, the stock market amateur and the neophyte trader. The advantage that the wealthy investor enjoys is that HE DOESN’T NEED THE MARKETS. I can’t begin to tell you what a difference that makes, both in one’s mental attitude and in the way one actually handles one’s money.

    The wealthy investor doesn’t need the markets, because he already has all the income he needs. He has money coming in via bonds, T-bills, money market funds, stocks and real estate. In other words, the wealthy investor never feels pressured to “make money” in the market.

    The wealthy investor tends to be an expert on values. When bonds are cheap and bond yields are irresistibly high, he buys bonds. When stocks are on the bargain table and stock yields are attractive, he buys stocks. When real estate is a great value, he buys real estate. When great art or fine jewelry or gold is on the “give away” table, he buys art or diamonds or gold. In other words, the wealthy investor puts his money where the great values are.

    And if no outstanding values are available, the wealthy investors waits. He can afford to wait. He has money coming in daily, weekly, monthly. The wealthy investor knows what he is looking for, and he doesn’t mind waiting months or even years for his next investment (they call that patience).

    But what about the little guy? This fellow always feels pressured to “make money.” And in return he’s always pressuring the market to “do something” for him. But sadly, the market isn’t interested. When the little guy isn’t buying stocks offering 1% or 2% yields, he’s off to Las Vegas or Atlantic City trying to beat the house at roulette. Or he’s spending 20 bucks a week on lottery tickets, or he’s “investing” in some crackpot scheme that his neighbor told him about (in strictest confidence, of course).

    And because the little guy is trying to force the market to do something for him, he’s a guaranteed loser. The little guy doesn’t understand values so he constantly overpays. He doesn’t comprehend the power of compounding, and he doesn’t understand money. He’s never heard the adage, “He who understands interest – earns it. He who doesn’t understand interest – pays it.” The little guy is the typical American, and he’s deeply in debt.

    The little guy is in hock up to his ears. As a result, he’s always sweating – sweating to make payments on his house, his refrigerator, his car or his lawn mower. He’s impatient, and he feels perpetually put upon. He tells himself that he has to make money – fast. And he dreams of those “big, juicy mega-bucks.” In the end, the little guy wastes his money in the market, or he loses his money gambling, or he dribbles it away on senseless schemes. In short, this “money-nerd” spends his life dashing up the financial down-escalator.

    But here’s the ironic part of it. If, from the beginning, the little guy had adopted a strict policy of never spending more than he made, if he had taken his extra savings and compounded it in intelligent, income-producing securities, then in due time he’d have money coming in daily, weekly, monthly, just like the rich man. The little guy would have become a financial winner, instead of a pathetic loser.

    RULE 4: VALUES: The only time the average investor should stray outside the basic compounding system is when a given market offers outstanding value. I judge an investment to be a great value when it offers (a) safety; (b) an attractive return; and (c) a good chance of appreciating in price. At all other times, the compounding route is safer and probably a lot more profitable, at least in the long run

    Gilla

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