{"id":70219,"date":"2026-05-12T14:10:37","date_gmt":"2026-05-12T14:10:37","guid":{"rendered":"https:\/\/fabricegrinda.com\/?p=70219"},"modified":"2026-05-12T14:10:37","modified_gmt":"2026-05-12T14:10:37","slug":"%d9%83%d9%8a%d9%81-%d8%aa%d8%a8%d9%86%d9%8a-%d8%a7%d9%84%d8%ab%d8%b1%d9%88%d8%a9-101-%d8%af%d9%88%d9%86-%d8%a3%d9%86-%d8%aa%d8%b5%d8%a8%d8%ad-%d8%b3%d9%85%d8%b3%d8%a7%d8%b1%d9%8b%d8%a7-%d9%85%d8%a7","status":"publish","type":"post","link":"https:\/\/grinda.org\/ar\/%d9%83%d9%8a%d9%81-%d8%aa%d8%a8%d9%86%d9%8a-%d8%a7%d9%84%d8%ab%d8%b1%d9%88%d8%a9-101-%d8%af%d9%88%d9%86-%d8%a3%d9%86-%d8%aa%d8%b5%d8%a8%d8%ad-%d8%b3%d9%85%d8%b3%d8%a7%d8%b1%d9%8b%d8%a7-%d9%85%d8%a7\/","title":{"rendered":"\u0643\u064a\u0641 \u062a\u0628\u0646\u064a \u0627\u0644\u062b\u0631\u0648\u0629 101 (\u062f\u0648\u0646 \u0623\u0646 \u062a\u0635\u0628\u062d \u0633\u0645\u0633\u0627\u0631\u064b\u0627 \u0645\u0627\u0644\u064a\u064b\u0627)"},"content":{"rendered":"\n<p>\u0645\u0639\u0638\u0645 \u0627\u0644\u0646\u0627\u0633 \u0644\u0627 \u064a\u0639\u0627\u0646\u0648\u0646 \u0645\u0646 \u0645\u0634\u0643\u0644\u0629 \u0641\u064a \u0627\u0644\u0625\u0646\u0641\u0627\u0642. \u0628\u0644 \u0644\u062f\u064a\u0647\u0645 \u0645\u0634\u0643\u0644\u0629 \u0641\u064a \u0627\u0644\u0646\u0638\u0627\u0645: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u064a\u0643\u0633\u0628\u0648\u0646 \u0627\u0644\u0645\u0627\u0644.<\/li>\n\n\n\n<li>\u064a\u0646\u0641\u0642\u0648\u0646 \u0627\u0644\u0645\u0627\u0644.<\/li>\n\n\n\n<li>\u064a\u0623\u0645\u0644\u0648\u0646 \u0628\u0634\u0643\u0644 \u063a\u0627\u0645\u0636 \u0623\u0646 \u062a\u0633\u064a\u0631 \u0627\u0644\u0623\u0645\u0648\u0631 \u0639\u0644\u0649 \u0645\u0627 \u064a\u0631\u0627\u0645.<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u0628\u0639\u062f \u0639\u0634\u0631 \u0633\u0646\u0648\u0627\u062a: <em>\u201d\u0627\u0646\u062a\u0638\u0631&#8230; \u0623\u064a\u0646 \u0630\u0647\u0628 \u0645\u0627\u0644\u064a\u061f\u201c<\/em><\/p>\n\n<p>\u0647\u0630\u0627 \u064a\u0646\u0637\u0628\u0642 \u0628\u0634\u0643\u0644 \u062e\u0627\u0635 \u0639\u0644\u0649 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0646\u0633\u0627\u0621 \u0627\u0644\u0630\u0643\u064a\u0627\u062a \u0648\u0627\u0644\u0646\u0627\u062c\u062d\u0627\u062a \u0627\u0644\u0644\u0648\u0627\u062a\u064a \u0623\u0639\u0631\u0641\u0647\u0646\u060c \u0644\u064a\u0633 \u0644\u0623\u0646\u0647\u0646 \u0623\u0642\u0644 \u0643\u0641\u0627\u0621\u0629\u060c \u0628\u0644 \u0644\u0623\u0646\u0647 \u0644\u0645 \u064a\u0645\u0646\u062d\u0647\u0646 \u0623\u062d\u062f \u0642\u0637 \u062e\u0637\u0629 \u0639\u0645\u0644 \u0648\u0627\u0636\u062d\u0629 \u0648\u0628\u0633\u064a\u0637\u0629.<\/p>\n\n<p>\u0625\u0644\u064a\u0643 \u0647\u0630\u0647 \u0627\u0644\u062e\u0637\u0629 \u0625\u0630\u0646.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u0627\u0644\u062e\u0637\u0648\u0629 1: \u0641\u0647\u0645 \u062a\u062f\u0641\u0642\u0627\u062a\u0643 \u0627\u0644\u0646\u0642\u062f\u064a\u0629.<\/strong><\/h2>\n\n<p>\u0644\u0646\u062c\u0639\u0644 \u0627\u0644\u0623\u0645\u0631 \u0648\u0627\u0642\u0639\u064a\u064b\u0627.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u0627\u0644\u062d\u0627\u0644\u0629 \u0623: \u062f\u062e\u0644 100 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a: 100,000 \u062f\u0648\u0644\u0627\u0631<\/li>\n\n\n\n<li>\u0627\u0644\u0636\u0631\u0627\u0626\u0628 (\u062d\u0648\u0627\u0644\u064a 30%): 30,000 \u062f\u0648\u0644\u0627\u0631<\/li>\n\n\n\n<li>\u0627\u0644\u0635\u0627\u0641\u064a: <strong>70,000 \u062f\u0648\u0644\u0627\u0631 (\u062d\u0648\u0627\u0644\u064a 5,800 \u062f\u0648\u0644\u0627\u0631 \u0634\u0647\u0631\u064a\u064b\u0627)<\/strong><\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u0627\u0644\u0625\u0646\u0641\u0627\u0642:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0625\u064a\u062c\u0627\u0631: 2,200 \u062f\u0648\u0644\u0627\u0631<\/li>\n\n\n\n<li>\u0646\u0645\u0637 \u0627\u0644\u062d\u064a\u0627\u0629: 3,000 \u062f\u0648\u0644\u0627\u0631<\/li>\n\n\n\n<li>\u0627\u0644\u0645\u062c\u0645\u0648\u0639: \u062d\u0648\u0627\u0644\u064a 5,200 \u062f\u0648\u0644\u0627\u0631<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u0627\u0644\u0645\u062f\u062e\u0631\u0627\u062a: <strong>\u062d\u0648\u0627\u0644\u064a 600 \u062f\u0648\u0644\u0627\u0631 \u0634\u0647\u0631\u064a\u064b\u0627 (\u062d\u0648\u0627\u0644\u064a 7,200 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627)<\/strong><\/p>\n\n<p>\u0633\u062a\u0643\u0648\u0646 \u0628\u062e\u064a\u0631. \u0644\u0643\u0646\u0643 \u0644\u0646 \u062a\u0635\u0628\u062d \u062b\u0631\u064a\u064b\u0627. <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u0627\u0644\u062d\u0627\u0644\u0629 \u0628: \u062f\u062e\u0644 150 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631 (\u0628\u0646\u0641\u0633 \u0646\u0645\u0637 \u0627\u0644\u062d\u064a\u0627\u0629)<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0635\u0627\u0641\u064a: <strong>\u062d\u0648\u0627\u0644\u064a 105,000 \u062f\u0648\u0644\u0627\u0631 (\u062d\u0648\u0627\u0644\u064a 8,750 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0634\u0647\u0631\u064a\u064b\u0627)<\/strong><\/li>\n\n\n\n<li>\u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0644\u0645 \u064a\u062a\u063a\u064a\u0631: \u062d\u0648\u0627\u0644\u064a 5,200 \u062f\u0648\u0644\u0627\u0631<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u0627\u0644\u0645\u062f\u062e\u0631\u0627\u062a: <strong>\u062d\u0648\u0627\u0644\u064a 3,500 \u062f\u0648\u0644\u0627\u0631 \u0634\u0647\u0631\u064a\u064b\u0627 (\u062d\u0648\u0627\u0644\u064a 42,000 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627)<\/strong><\/p>\n\n<p>\u0627\u0644\u0622\u0646 \u0646\u062a\u062d\u062f\u062b \u0628\u062c\u062f\u064a\u0629. \u062a\u064f\u0628\u0646\u0649 \u0627\u0644\u062b\u0631\u0648\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 <strong>\u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631<\/strong>\u060c \u0648\u0644\u064a\u0633 \u0628\u0628\u0631\u0627\u0639\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631. <\/p>\n\n<ul class=\"wp-block-list\">\n<li>7 \u0622\u0644\u0627\u0641 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627 \u2190 \u062a\u0642\u062f\u0645 \u0628\u0637\u064a\u0621.<\/li>\n\n\n\n<li>20 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627 \u2190 \u062b\u0631\u0648\u0629 \u062d\u0642\u064a\u0642\u064a\u0629.<\/li>\n\n\n\n<li>30-40 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627 \u2190 \u0645\u0633\u0627\u0631 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a.<\/li>\n<\/ul>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u0627\u0644\u062e\u0637\u0648\u0629 2: \u0628\u0646\u0627\u0621 \u0623\u0633\u0627\u0633\u0643.<\/strong><\/h2>\n\n<p><strong>1. \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626.<\/strong><\/p>\n\n<p>\u0627\u062d\u062a\u0641\u0638 \u0628\u0640: <strong>\u0645\u0635\u0627\u0631\u064a\u0641 4-6 \u0623\u0634\u0647\u0631 \u0646\u0642\u062f\u064b\u0627.<\/strong><\/p>\n\n<p>\u0645\u062b\u0627\u0644: \u0625\u0646\u0641\u0627\u0642 5 \u0622\u0644\u0627\u0641 \u062f\u0648\u0644\u0627\u0631 \u0634\u0647\u0631\u064a\u064b\u0627 \u2190 \u0627\u062d\u062a\u064a\u0627\u0637\u064a 20-30 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631<\/p>\n\n<p>\u0647\u0630\u0627 \u0644\u064a\u0633 \u0644\u062a\u062d\u0642\u064a\u0642 \u0639\u0648\u0627\u0626\u062f. \u0647\u0630\u0627 \u0644\u062a\u062c\u0646\u0628 \u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u063a\u0628\u064a\u0629 \u062a\u062d\u062a \u0627\u0644\u0636\u063a\u0637. <\/p>\n\n<p>\u0636\u0639\u0647 \u0641\u064a \u062d\u0633\u0627\u0628 \u0639\u0627\u0644\u064a \u0627\u0644\u0639\u0627\u0626\u062f \u0645\u062b\u0644 <a href=\"https:\/\/www.wealthfront.com\/cash\" data-type=\"link\" data-id=\"https:\/\/www.wealthfront.com\/cash\" target=\"_blank\" rel=\"noreferrer noopener\">\u062d\u0633\u0627\u0628 Wealthfront \u0627\u0644\u0646\u0642\u062f\u064a<\/a> \u0627\u0644\u0630\u064a \u064a\u062d\u0642\u0642 \u062d\u0627\u0644\u064a\u064b\u0627 3.30%.<\/p>\n\n<p>\u0644\u0645\u0627\u0630\u0627 \u0623\u062d\u0628 Wealthfront Cash:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u062a\u062c\u0631\u0628\u0629 \u0645\u0633\u062a\u062e\u062f\u0645 \u0633\u0647\u0644\u0629 \u062c\u062f\u064b\u0627.<\/li>\n\n\n\n<li>\u0625\u0639\u062f\u0627\u062f \u0633\u0647\u0644 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a.<\/li>\n\n\n\n<li>\u0639\u0627\u0626\u062f \u062c\u064a\u062f.<\/li>\n\n\n\n<li>\u0644\u0627 \u064a\u0648\u062c\u062f \u062d\u062f \u0623\u062f\u0646\u0649 \/ \u0644\u0627 \u0631\u0633\u0648\u0645 \u0634\u0647\u0631\u064a\u0629.<\/li>\n\n\n\n<li>\u0645\u064a\u0632\u0627\u062a \u0633\u064a\u0648\u0644\u0629 \u0642\u0648\u064a\u0629.<\/li>\n\n\n\n<li>\u0647\u064a\u0643\u0644 \u062a\u063a\u0637\u064a\u0629 \u0642\u0648\u064a \u0645\u0646 FDIC \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0634\u0631\u064a\u0643\u0629\u060c \u0645\u0639 \u0623\u0647\u0644\u064a\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 8 \u0645\u0644\u0627\u064a\u064a\u0646 \u062f\u0648\u0644\u0627\u0631 \u0644\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0641\u0631\u062f\u064a\u0629<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u0627\u062d\u062a\u0641\u0638 \u0628\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0648\u0627\u0644\u0646\u0642\u062f \u0642\u0635\u064a\u0631 \u0627\u0644\u0623\u062c\u0644 \u0647\u0646\u0627.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>2. \u062a\u062e\u0644\u0635 \u0645\u0646 \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0633\u064a\u0626\u0629.<\/strong><\/p>\n\n<p>\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 = \u0639\u0648\u0627\u0626\u062f \u0633\u0644\u0628\u064a\u0629 \u0645\u0636\u0645\u0648\u0646\u0629.<\/p>\n\n<p>\u0633\u062f\u062f\u0647\u0627!<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u0627\u0644\u062e\u0637\u0648\u0629 3: \u0623\u064a\u0646 \u062a\u0633\u062a\u062b\u0645\u0631 (\u0627\u0644\u062a\u0631\u062a\u064a\u0628 \u0627\u0644\u0648\u062d\u064a\u062f \u0627\u0644\u0645\u0647\u0645).<\/strong><\/h2>\n\n<p>\u0647\u0646\u0627 \u064a\u062e\u0637\u0626 \u0645\u0639\u0638\u0645 \u0627\u0644\u0646\u0627\u0633.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>1. 401(k) \u2190 \u062d\u062a\u0649 \u0645\u0637\u0627\u0628\u0642\u0629 \u0635\u0627\u062d\u0628 \u0627\u0644\u0639\u0645\u0644.<\/strong><\/p>\n\n<p>\u062e\u0630 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0645\u062c\u0627\u0646\u064a. \u0625\u0630\u0627 \u0643\u0627\u0646 \u0635\u0627\u062d\u0628 \u0639\u0645\u0644\u0643 \u064a\u0637\u0627\u0628\u0642\u060c \u0641\u062e\u0630\u0647. \u062f\u0627\u0626\u0645\u064b\u0627. \u0628\u0644\u0627 \u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a.   <\/p>\n\n<p>\u0645\u062b\u0627\u0644:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0623\u0646\u062a \u062a\u0636\u0639 5 \u0622\u0644\u0627\u0641 \u062f\u0648\u0644\u0627\u0631<\/li>\n\n\n\n<li>\u064a\u0636\u064a\u0641 \u0635\u0627\u062d\u0628 \u0627\u0644\u0639\u0645\u0644 5 \u0622\u0644\u0627\u0641 \u062f\u0648\u0644\u0627\u0631<br\/>\u2190 \u0639\u0627\u0626\u062f \u0641\u0648\u0631\u064a \u0628\u0646\u0633\u0628\u0629 100%<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>2. Roth IRA \u2190 \u0627\u0645\u0644\u0623\u0647 \u0628\u0627\u0644\u0643\u0627\u0645\u0644.<\/strong><\/p>\n\n<p>\u0625\u0630\u0627 \u0644\u0645 \u064a\u0643\u0646 \u0647\u0646\u0627\u0643 \u0645\u0637\u0627\u0628\u0642\u0629\u060c \u064a\u0635\u0628\u062d \u0647\u0630\u0627 \u0623\u0648\u0644\u0648\u064a\u062a\u0643 \u0627\u0644\u0623\u0648\u0644\u0649.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0623\u0646\u062a \u062a\u0633\u0627\u0647\u0645 \u0628\u0623\u0645\u0648\u0627\u0644 \u0628\u0639\u062f \u062e\u0635\u0645 \u0627\u0644\u0636\u0631\u064a\u0628\u0629.<\/li>\n\n\n\n<li>\u062a\u0646\u0645\u0648 <strong>\u0645\u0639\u0641\u0627\u0629 \u0645\u0646 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0625\u0644\u0649 \u0627\u0644\u0623\u0628\u062f.<\/strong><\/li>\n\n\n\n<li>\u064a\u0645\u0643\u0646\u0643 \u0633\u062d\u0628 \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0627\u062a \u0641\u064a \u0623\u064a \u0648\u0642\u062a.<\/li>\n\n\n\n<li>\u062a\u062d\u0643\u0645 \u0643\u0627\u0645\u0644 \u0641\u064a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631.<\/li>\n<\/ul>\n\n<p>\u0647\u0630\u0627 \u0627\u0644\u062d\u0633\u0627\u0628 \u0644\u0627 \u064a\u062d\u0638\u0649 \u0628\u0627\u0644\u062a\u0642\u062f\u064a\u0631 \u0627\u0644\u0643\u0627\u0641\u064a \u0644\u0623\u0646\u0647 \u064a\u0645\u062b\u0644 \u062d\u0633\u0627\u0628 \u062a\u0642\u0627\u0639\u062f \u0648\u0623\u062f\u0627\u0629 \u0645\u0631\u0648\u0646\u0629 \u0641\u064a \u0622\u0646 \u0648\u0627\u062d\u062f. \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0645\u0639\u0638\u0645 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0641\u064a \u0627\u0644\u0639\u0634\u0631\u064a\u0646\u0627\u062a \u0648\u0627\u0644\u062b\u0644\u0627\u062b\u064a\u0646\u0627\u062a \u0645\u0646 \u0627\u0644\u0639\u0645\u0631\u060c \u062e\u0627\u0635\u0629 \u0623\u0648\u0644\u0626\u0643 \u0627\u0644\u0630\u064a\u0646 \u0644\u0645 \u064a\u0635\u0644\u0648\u0627 \u0628\u0639\u062f \u0625\u0644\u0649 \u0630\u0631\u0648\u0629 \u062f\u062e\u0644\u0647\u0645\u060c \u064a\u0643\u0648\u0646 \u0647\u0630\u0627 \u0639\u0627\u062f\u0629 \u0623\u0641\u0636\u0644 \u0645\u0646 401(k) \u0628\u062f\u0648\u0646 \u0645\u0637\u0627\u0628\u0642\u0629. <\/p>\n\n<p>\u062d\u062f 2026: <strong>7,500 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627.<\/strong><\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>3. \u062d\u0633\u0627\u0628 \u0648\u0633\u0627\u0637\u0629 \u062e\u0627\u0636\u0639 \u0644\u0644\u0636\u0631\u064a\u0628\u0629.<\/strong><\/p>\n\n<p>\u0647\u0646\u0627 \u064a\u0635\u0628\u062d \u0645\u0639\u0638\u0645 \u0627\u0644\u0646\u0635\u0627\u0626\u062d \u0643\u0633\u0648\u0644\u0629.<\/p>\n\n<p>\u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u0633\u062a\u0633\u0645\u0639: \u201d\u0627\u0645\u0644\u0623 401(k) \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0642\u0628\u0644 \u0623\u064a \u0634\u064a\u0621 \u0622\u062e\u0631.\u201c<\/p>\n\n<p>\u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u064a\u0643\u0648\u0646 401(k) \u0623\u0643\u062b\u0631 \u0643\u0641\u0627\u0621\u0629 \u0645\u0646 \u0627\u0644\u0646\u0627\u062d\u064a\u0629 \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0644\u0623\u0646\u0647 \u064a\u062a\u062c\u0646\u0628 \u0627\u0644\u0639\u0628\u0621 \u0627\u0644\u0636\u0631\u064a\u0628\u064a \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u062a\u0631\u0627\u0643\u0645. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u062a\u064f\u0641\u0631\u0636 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0639\u0644\u0649 \u0627\u0644\u0633\u062d\u0648\u0628\u0627\u062a \u0643\u062f\u062e\u0644 \u0639\u0627\u062f\u064a\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u0633\u062a\u0641\u064a\u062f \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0644\u0636\u0631\u064a\u0628\u0629 \u0645\u0646 \u0645\u0639\u062f\u0644\u0627\u062a \u0623\u0631\u0628\u0627\u062d \u0631\u0623\u0633\u0645\u0627\u0644\u064a\u0629 \u0623\u0642\u0644 \u0648\u0645\u0631\u0648\u0646\u0629 \u0643\u0627\u0645\u0644\u0629. <\/p>\n\n<p>\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0644\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u060c \u064a\u0645\u0643\u0646\u0643 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062d\u0633\u0627\u0628 \u0627\u0644\u0648\u0633\u0627\u0637\u0629 \u0627\u0644\u062e\u0627\u0636\u0639 \u0644\u0644\u0636\u0631\u064a\u0628\u0629 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0645\u0646 \u0623\u062c\u0644:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u062a\u0631\u0643 \u0648\u0638\u064a\u0641\u062a\u0643.<\/li>\n\n\n\n<li>\u0627\u0644\u0633\u0641\u0631.<\/li>\n\n\n\n<li>\u0628\u062f\u0621 \u0634\u0631\u0643\u0629.<\/li>\n\n\n\n<li>\u0627\u0644\u062e\u0631\u0648\u062c \u0645\u0646 \u0639\u0644\u0627\u0642\u0629 \u0633\u064a\u0626\u0629.<\/li>\n<\/ul>\n\n<p>\u0644\u0647\u0630\u0627 \u0627\u0644\u0633\u0628\u0628\u060c \u0641\u064a \u0627\u0644\u0645\u062a\u0648\u0633\u0637\u060c \u0623\u0642\u0648\u0644 \u0625\u0646\u0647 \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0641\u0642\u0637 \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0629 \u0641\u064a 401(k) \u062d\u062a\u0649 \u0645\u0637\u0627\u0628\u0642\u0629 \u0635\u0627\u062d\u0628 \u0627\u0644\u0639\u0645\u0644\u060c \u062b\u0645 \u0645\u0644\u0621 Roth IRA \u0628\u0627\u0644\u0643\u0627\u0645\u0644\u060c \u062b\u0645 \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0625\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062e\u0627\u0636\u0639 \u0644\u0644\u0636\u0631\u064a\u0628\u0629. \u0644\u0627 \u062a\u0631\u064a\u062f \u0623\u0646 \u064a\u0646\u062a\u0647\u064a \u0628\u0643 \u0627\u0644\u0623\u0645\u0631 \u063a\u0646\u064a\u064b\u0627 \u0628\u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0648\u0641\u0642\u064a\u0631\u064b\u0627 \u0641\u064a \u0627\u0644\u062d\u064a\u0627\u0629. <\/p>\n\n<p>\u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u0645\u062f\u062e\u0631\u0627\u062a \u0639\u0627\u0644\u064a\u0629 \u062c\u062f\u064b\u0627\u060c \u0648\u0643\u0646\u062a \u0641\u064a \u0634\u0631\u064a\u062d\u0629 \u0636\u0631\u064a\u0628\u064a\u0629 \u0645\u0631\u062a\u0641\u0639\u0629\u060c \u0648\u0645\u0633\u062a\u0642\u0631\u064b\u0627 \u0641\u064a \u062d\u064a\u0627\u062a\u0643 \u0627\u0644\u0645\u0647\u0646\u064a\u0629 \u0648\u0645\u0648\u0642\u0639\u0643\u060c \u0648\u0644\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0633\u064a\u0648\u0644\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0642\u0631\u064a\u0628\u060c \u064a\u0645\u0643\u0646\u0643 \u0623\u064a\u0636\u064b\u0627 \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0629 \u0641\u064a 401(k) \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0628\u0645\u0627 \u064a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0645\u0637\u0627\u0628\u0642\u0629 \u0628\u062d\u062f \u0623\u0642\u0635\u0649 24,500 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627 \u0625\u062c\u0645\u0627\u0644\u0627\u064b.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u0627\u0644\u062e\u0637\u0648\u0629 4: \u0645\u0627 \u0627\u0644\u0630\u064a \u062a\u0634\u062a\u0631\u064a\u0647 \u0628\u0627\u0644\u0641\u0639\u0644.<\/strong><\/h2>\n\n<p>\u0644\u0627 \u062a\u0628\u0627\u0644\u063a \u0641\u064a \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0623\u0645\u0631.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u0627\u0644\u062e\u064a\u0627\u0631 1 (\u0627\u0644\u0623\u0641\u0636\u0644 \u0644\u0640 90% \u0645\u0646 \u0627\u0644\u0646\u0627\u0633)<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>100% VT (\u0635\u0646\u062f\u0648\u0642 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0645\u062a\u062f\u0627\u0648\u0644 \u0639\u0627\u0644\u0645\u064a \u0644\u0644\u0623\u0633\u0647\u0645)<\/strong><\/li>\n<\/ul>\n\n<p>\u0627\u0646\u062a\u0647\u0649 \u0627\u0644\u0623\u0645\u0631.<\/p>\n\n<p>\u0644\u0627\u062d\u0638 \u0623\u0646 \u0645\u0639\u0638\u0645 \u062e\u0637\u0637 401(k) \u0644\u0627 \u062a\u0642\u062f\u0645 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0645\u062a\u062f\u0627\u0648\u0644\u0629 \u0639\u0627\u0644\u0645\u064a\u0629 \u0645\u062b\u0644 VT. \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0629\u060c \u0627\u0633\u062a\u062e\u062f\u0645 \u0641\u0642\u0637 \u0635\u0646\u062f\u0648\u0642 \u0645\u0624\u0634\u0631 \u0623\u0633\u0647\u0645 \u0623\u0645\u0631\u064a\u0643\u064a \u0645\u0646\u062e\u0641\u0636 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 (\u0645\u062b\u0644 \u0635\u0646\u062f\u0648\u0642 S&amp;P 500) \u062f\u0627\u062e\u0644 401(k). \u062b\u0645 \u0627\u0633\u062a\u062e\u062f\u0645 VT \u0641\u064a \u062d\u0633\u0627\u0628 Roth IRA \u0648\u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062e\u0627\u0636\u0639 \u0644\u0644\u0636\u0631\u064a\u0628\u0629. \u0646\u0638\u0631\u064b\u0627 \u0644\u0623\u0646 VT \u064a\u0645\u062b\u0644 \u062d\u0648\u0627\u0644\u064a 60-65% \u0645\u0646 \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629\u060c \u0641\u0625\u0646 \u0647\u0630\u0627 \u064a\u062c\u0639\u0644 \u0645\u062d\u0641\u0638\u062a\u0643 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u062a\u062a\u0643\u0648\u0646 \u062a\u0642\u0631\u064a\u0628\u064b\u0627 \u0645\u0646 75-80% \u0623\u0633\u0647\u0645 \u0623\u0645\u0631\u064a\u0643\u064a\u0629 \/ 20-25% \u0623\u0633\u0647\u0645 \u062f\u0648\u0644\u064a\u0629\u060c \u0648\u0647\u0648 \u0628\u0627\u0644\u0636\u0628\u0637 \u0645\u0627 \u062a\u0631\u064a\u062f\u0647.   <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u0627\u0644\u062e\u064a\u0627\u0631 2 (\u0645\u064f\u062d\u0633\u0651\u0646 \u0642\u0644\u064a\u0644\u0627\u064b)<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>80% VTI (\u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629)<\/strong><\/li>\n\n\n\n<li><strong>20% VXUS (\u062f\u0648\u0644\u064a)<\/strong><\/li>\n<\/ul>\n\n<p>\u0628\u0633\u064a\u0637 \u0648\u0641\u0639\u0627\u0644 \u0625\u0630\u0627 \u0643\u0627\u0646 401(k) \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u064a\u062f\u0639\u0645\u0647. \u0643\u0631\u0631 \u0630\u0644\u0643 \u0641\u064a \u062d\u0633\u0627\u0628\u0627\u062a Roth IRA \u0648\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0648\u0633\u0627\u0637\u0629 \u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0644\u0636\u0631\u064a\u0628\u0629. <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u0645\u0627 \u0644\u0627 \u064a\u062c\u0628 \u0641\u0639\u0644\u0647:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0623\u0633\u0647\u0645.<\/li>\n\n\n\n<li>\u0645\u0637\u0627\u0631\u062f\u0629 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a.<\/li>\n\n\n\n<li>\u0634\u0631\u0627\u0621 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0634\u0641\u0631\u0629 \u0643\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u0643.<\/li>\n\n\n\n<li>\u0628\u0646\u0627\u0621 \u0645\u062d\u0627\u0641\u0638 \u0645\u0639\u0642\u062f\u0629.<\/li>\n\n\n\n<li>\u0645\u062d\u0627\u0648\u0644\u0629 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0630\u0643\u064a\u064b\u0627.<\/li>\n<\/ul>\n\n<p>\u0647\u0643\u0630\u0627 \u064a\u062a\u0631\u0627\u062c\u0639 \u0623\u062f\u0627\u0621 \u0627\u0644\u0646\u0627\u0633 \u0628\u064a\u0646\u0645\u0627 \u064a\u0634\u0639\u0631\u0648\u0646 \u0628\u0627\u0644\u062a\u0639\u0642\u064a\u062f.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u0627\u0644\u062e\u0637\u0648\u0629 5: \u0623\u062a\u0645\u062a\u0629 \u0643\u0644 \u0634\u064a\u0621.<\/strong><\/h2>\n\n<p>\u0627\u0636\u0628\u0637:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0634\u0647\u0631\u064a\u0629.<\/li>\n\n\n\n<li>\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a\u0629.<\/li>\n<\/ul>\n\n<p>\u062b\u0645 \u062a\u0648\u0642\u0641 \u0639\u0646 \u0644\u0645\u0633\u0647\u0627. \u0647\u0630\u0627 \u0646\u0638\u0627\u0645\u060c \u0648\u0644\u064a\u0633 \u0647\u0648\u0627\u064a\u0629. <\/p>\n\n<p>\u0628\u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629\u060c \u0633\u0623\u062d\u062a\u0641\u0638 \u0628\u0643\u0644 \u0645\u0646 Roth IRA \u0648\u062d\u0633\u0627\u0628 \u0627\u0644\u0648\u0633\u0627\u0637\u0629 \u0627\u0644\u062e\u0627\u0636\u0639 \u0644\u0644\u0636\u0631\u064a\u0628\u0629 \u0641\u064a <a href=\"http:\/\/www.fidelity.com\/\" data-type=\"link\" data-id=\"http:\/\/www.fidelity.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fidelity<\/a>.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u062a\u0637\u0628\u064a\u0642 \u0633\u0644\u0633 \u0645\u0639 \u0623\u0633\u0647\u0644 \u062a\u062c\u0631\u0628\u0629 \u0645\u0633\u062a\u062e\u062f\u0645.<\/li>\n\n\n\n<li>\u0639\u0645\u0648\u0644\u0629 0 \u062f\u0648\u0644\u0627\u0631 \u0644\u062a\u062f\u0627\u0648\u0644\u0627\u062a \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u0648\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0641\u064a \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u062c\u0632\u0626\u0629.<\/li>\n\n\n\n<li>\u064a\u062f\u0639\u0645 \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u062c\u0632\u0626\u064a\u0629 \u0644\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u0648\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629.<\/li>\n\n\n\n<li>\u0644\u062f\u064a\u0647 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0645\u062a\u0643\u0631\u0631\u0629 \u0644\u0644\u0623\u0633\u0647\u0645 \u0648\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629\u060c \u0645\u0639 \u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0645\u062a\u0643\u0631\u0631\u0629 \u062a\u062a\u0631\u0627\u0648\u062d \u0645\u0646 \u062f\u0648\u0644\u0627\u0631 \u0648\u0627\u062d\u062f \u0625\u0644\u0649 100,000 \u062f\u0648\u0644\u0627\u0631.<\/li>\n<\/ul>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u0627\u0644\u062e\u0637\u0648\u0629 6: \u0643\u064a\u0641 \u062a\u0635\u0644 \u0628\u0627\u0644\u0641\u0639\u0644 \u0625\u0644\u0649 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631.<\/strong><\/h2>\n\n<p>\u0625\u0630\u0627 \u0627\u0633\u062a\u062b\u0645\u0631\u062a 20 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627 \u0644\u0645\u062f\u0629 15-17 \u0639\u0627\u0645\u064b\u0627 \u0628\u0639\u0648\u0627\u0626\u062f \u062a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 7-8%\u060c \u0641\u0633\u062a\u0646\u062a\u0647\u064a \u0628\u062d\u0648\u0627\u0644\u064a 600 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631 &#8211; \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0648 \u0623\u0643\u062b\u0631.<\/p>\n\n<p>\u0625\u0630\u0627 \u0631\u0641\u0639\u062a \u0630\u0644\u0643 \u0625\u0644\u0649 30 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627\u060c \u064a\u0635\u0628\u062d \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0634\u0628\u0647 \u062a\u0644\u0642\u0627\u0626\u064a.<\/p>\n\n<p>\u0644\u0627 \u0633\u062d\u0631. \u0641\u0642\u0637 \u0627\u0644\u0627\u062a\u0633\u0627\u0642. <\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u0645\u0643\u0627\u0641\u0623\u0629: \u0627\u0644\u0647\u062f\u0627\u064a\u0627 \u0648\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0639\u0627\u0626\u0644\u0629<\/strong><\/h2>\n\n<p><strong>\u0647\u0630\u0627 \u0627\u0644\u0623\u0645\u0631 \u064a\u0633\u0627\u0621 \u0641\u0647\u0645\u0647 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631.<\/strong><\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629:<\/strong><\/p>\n\n<p>\u0625\u0630\u0627 \u062a\u0644\u0642\u064a\u062a \u0623\u0645\u0648\u0627\u0644\u0627\u064b \u0645\u0646 <strong>\u0634\u062e\u0635 \u063a\u064a\u0631 \u0623\u0645\u0631\u064a\u0643\u064a<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0644\u0627 \u062a\u0648\u062c\u062f \u0636\u0631\u064a\u0628\u0629!<\/strong><\/li>\n\n\n\n<li>\u0625\u0630\u0627 &gt; 100 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631 \u2190 \u0642\u062f\u0645 <strong>\u0627\u0644\u0646\u0645\u0648\u0630\u062c 3520<\/strong>.<\/li>\n<\/ul>\n\n<p>\u0647\u0630\u0627 \u0643\u0644 \u0634\u064a\u0621!<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u0641\u064a \u0641\u0631\u0646\u0633\u0627 (\u0645\u0647\u0645 \u0644\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0642\u0631\u0627\u0626\u064a)<\/strong><\/p>\n\n<p>\u0645\u0646 \u0627\u0644\u0648\u0627\u0644\u062f \u2190 \u0644\u0644\u0637\u0641\u0644:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u062d\u0648\u0627\u0644\u064a <strong>100 \u0623\u0644\u0641 \u064a\u0648\u0631\u0648 \u0645\u0639\u0641\u0627\u0629 \u0645\u0646 \u0627\u0644\u0636\u0631\u0627\u0626\u0628.<\/strong><\/li>\n\n\n\n<li><strong>\u0644\u0643\u0644 \u0648\u0627\u0644\u062f.<\/strong><\/li>\n\n\n\n<li>\u0643\u0644 <strong>15 \u0639\u0627\u0645\u064b\u0627.<\/strong><\/li>\n<\/ul>\n\n<p>\u0644\u0630\u0627\u060c \u064a\u0645\u0643\u0646 \u0644\u0644\u0648\u0627\u0644\u062f \u0627\u0644\u0641\u0631\u0646\u0633\u064a \u0623\u0646 \u064a\u0645\u0646\u062d 100 \u0623\u0644\u0641 \u064a\u0648\u0631\u0648 \u0644\u0643\u0644 \u0637\u0641\u0644\u060c \u0645\u0639\u0641\u0627\u0629 \u0645\u0646 \u0627\u0644\u0636\u0631\u0627\u0626\u0628\u060c \u0643\u0644 15 \u0639\u0627\u0645\u064b\u0627<\/p>\n\n<p>\u0641\u0642\u0637:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0635\u0631\u062d \u0628\u0647\u0627 \u0628\u0634\u0643\u0644 \u0635\u062d\u064a\u062d.<\/li>\n\n\n\n<li>\u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646\u0647\u0627 \u0647\u062f\u064a\u0629 \u062d\u0642\u064a\u0642\u064a\u0629.<\/li>\n<\/ul>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u0645\u0643\u0627\u0641\u0623\u0629: \u0644\u0645\u0627\u0630\u0627 \u0644\u0627 \u062a\u0634\u062a\u0631\u064a \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0641\u0642\u0637\u061f<\/strong><\/h2>\n\n<p>\u0627\u0644\u062c\u0645\u064a\u0639 \u064a\u0642\u0648\u0644: \u201d\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0647\u064a \u0623\u0641\u0636\u0644 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u201c<\/p>\n\n<p>\u0642\u062f \u062a\u0643\u0648\u0646 \u0643\u0630\u0644\u0643\u060c \u0644\u0643\u0646\u0647\u0627 \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u064a\u0633\u0627\u0621 \u0641\u0647\u0645\u0647\u0627.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u0627\u0644\u062c\u0627\u0646\u0628 \u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/li>\n\n\n\n<li>\u0627\u0644\u062a\u0642\u062f\u064a\u0631 \u0627\u0644\u0645\u062d\u062a\u0645\u0644.<\/li>\n\n\n\n<li>\u062f\u062e\u0644 \u0627\u0644\u0625\u064a\u062c\u0627\u0631.<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>\u0645\u0627 \u064a\u062a\u062c\u0627\u0647\u0644\u0647 \u0627\u0644\u0646\u0627\u0633:<\/strong><\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>1. \u0625\u0646\u0647\u0627 \u0644\u064a\u0633\u062a \u0633\u0644\u0628\u064a\u0629.<\/strong><\/p>\n\n<p>\u0623\u0646\u062a \u062a\u062a\u0639\u0627\u0645\u0644 \u0645\u0639:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631\u064a\u0646.<\/li>\n\n\n\n<li>\u0627\u0644\u0625\u0635\u0644\u0627\u062d\u0627\u062a.<\/li>\n\n\n\n<li>\u0627\u0644\u0625\u062f\u0627\u0631\u0629.<\/li>\n\n\n\n<li>\u0627\u0644\u0634\u0648\u0627\u063a\u0631.<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Airbnb\u061f \u0647\u0630\u0647 \u0648\u0638\u064a\u0641\u0629! <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>2. \u0625\u0646\u0647\u0627 \u0627\u0633\u062a\u0646\u0632\u0627\u0641 \u0644\u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644.<\/strong><\/p>\n\n<p>\u0623\u0646\u062a \u062a\u062f\u0641\u0639:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0635\u064a\u0627\u0646\u0629.<\/li>\n\n\n\n<li>\u0627\u0644\u0625\u0635\u0644\u0627\u062d\u0627\u062a.<\/li>\n\n\n\n<li>\u0636\u0631\u0627\u0626\u0628 \u0627\u0644\u0623\u0645\u0644\u0627\u0643.<\/li>\n\n\n\n<li>\u0627\u0644\u062a\u0623\u0645\u064a\u0646.<\/li>\n<\/ul>\n\n<p>\u0628\u0635\u0641\u062a\u064a \u0645\u0627\u0644\u0643 \u0645\u0646\u0632\u0644\u060c \u064a\u0645\u0643\u0646\u0646\u064a \u0623\u0646 \u0623\u062e\u0628\u0631\u0643 \u0623\u0646 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u062a\u062a\u0639\u0637\u0644 \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>3. \u0625\u0646\u0647\u0627 \u063a\u064a\u0631 \u0633\u0627\u0626\u0644\u0629.<\/strong><\/p>\n\n<p>\u0644\u0627 \u064a\u0645\u0643\u0646\u0643 \u0628\u064a\u0639 5% \u0645\u0646 \u0634\u0642\u062a\u0643. \u064a\u0645\u0643\u0646\u0643 \u0630\u0644\u0643 \u0645\u0639 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629. \u0639\u0644\u0627\u0648\u0629 \u0639\u0644\u0649 \u0630\u0644\u0643\u060c \u0642\u062f \u064a\u0633\u062a\u063a\u0631\u0642 \u0627\u0644\u0628\u064a\u0639 \u0648\u0642\u062a\u064b\u0627 \u0637\u0648\u064a\u0644\u0627\u064b. \u0634\u0642\u062a\u064a \u0645\u0639\u0631\u0648\u0636\u0629 \u0644\u0644\u0628\u064a\u0639 \u0645\u0646\u0630 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0639\u0627\u0645. \u064a\u0645\u0643\u0646\u0643 \u0628\u064a\u0639 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0631 \u062a\u0642\u0631\u064a\u0628\u064b\u0627.    <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>4. \u0623\u0646\u062a \u0645\u0631\u0643\u0632.<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0639\u0642\u0627\u0631 \u0648\u0627\u062d\u062f<\/li>\n\n\n\n<li>\u0645\u0648\u0642\u0639 \u0648\u0627\u062d\u062f<\/li>\n\n\n\n<li>\u0633\u0648\u0642 \u0648\u0627\u062d\u062f<\/li>\n<\/ul>\n\n<p>\u0647\u0630\u0627 \u0647\u0648 \u0627\u0644\u062e\u0637\u0631.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>5. \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0643\u0648\u0646 \u0633\u064a\u0626\u0629 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u062d\u0627\u0644\u064a.<\/strong><\/p>\n\n<p>\u0644\u0642\u062f \u0643\u062a\u0628\u062a \u0645\u0646\u0634\u0648\u0631\u064b\u0627 \u0641\u064a \u0627\u0644\u0645\u062f\u0648\u0646\u0629 \u0639\u0627\u0645 2006 \u0623\u0648\u0636\u062d\u062a \u0641\u064a\u0647 \u0644\u0645\u0627\u0630\u0627 \u0643\u0627\u0646 \u0645\u0646 \u0627\u0644\u0645\u0646\u0637\u0642\u064a \u0623\u0643\u062b\u0631 \u0627\u0644\u0627\u0633\u062a\u0626\u062c\u0627\u0631 \u0641\u064a\u0645\u0627 \u0627\u0639\u062a\u0628\u0631\u062a\u0647 \u0641\u0642\u0627\u0639\u0629 \u0639\u0642\u0627\u0631\u064a\u0629: <a href=\"https:\/\/fabricegrinda.com\/rent-unless-you-want-to-buy\/\" data-type=\"link\" data-id=\"https:\/\/fabricegrinda.com\/rent-unless-you-want-to-buy\/\" target=\"_blank\" rel=\"noopener\">\u0627\u0633\u062a\u0623\u062c\u0631&#8230; \u0625\u0644\u0627 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0631\u064a\u062f \u0627\u0644\u0634\u0631\u0627\u0621<\/a>. \u0623\u0648\u0636\u062d\u062a \u0641\u064a\u0647 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0627\u062a \u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a. \u0646\u0641\u0633 \u0627\u0644\u062d\u062c\u062c \u0635\u062d\u064a\u062d\u0629 \u0627\u0644\u064a\u0648\u0645.  <\/p>\n\n<p>\u0628\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0645\u0631\u062a\u0641\u0639\u0629 \u0648\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0627\u0644\u0645\u0631\u062a\u0641\u0639\u0629\u060c \u062e\u0627\u0635\u0629 \u0641\u064a \u0623\u0645\u0627\u0643\u0646 \u0645\u062b\u0644 \u0646\u064a\u0648\u064a\u0648\u0631\u0643\u060c \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0643\u0648\u0646 \u0639\u0648\u0627\u0626\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0645\u0646\u062e\u0641\u0636\u0629 \u0644\u0644\u063a\u0627\u064a\u0629.<\/p>\n\n<p>\u0625\u0630\u0627 \u0643\u0646\u062a \u0633\u0623\u0624\u062c\u0631 \u0634\u0642\u0642\u064a\u060c \u0641\u0625\u0646 \u062f\u062e\u0644 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0644\u0646 \u064a\u063a\u0637\u064a \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a + \u0636\u0631\u064a\u0628\u0629 \u0627\u0644\u0623\u0645\u0644\u0627\u0643 + \u0627\u0644\u0635\u064a\u0627\u0646\u0629 + \u0627\u0644\u0625\u0635\u0644\u0627\u062d\u0627\u062a. \u0623\u0641\u0636\u0644 \u0627\u0644\u0639\u0648\u0627\u0626\u062f \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u062a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 2-4% \u0648\u0644\u0627 \u062a\u0634\u0645\u0644 \u0648\u0642\u062a\u0643\u060c \u0648\u0639\u0627\u062f\u0629 \u0645\u0627 \u062a\u0643\u0648\u0646 \u0633\u0644\u0628\u064a\u0629 \u0647\u0630\u0647 \u0627\u0644\u0623\u064a\u0627\u0645. <\/p>\n\n<p>\u0627\u0644\u0634\u064a\u0621 \u0627\u0644\u0648\u062d\u064a\u062f \u0627\u0644\u0630\u064a \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u062c\u0639\u0644 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u062a\u0639\u0645\u0644 \u0647\u0648 \u0627\u0644\u062a\u0642\u062f\u064a\u0631. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0641\u0625\u0646\u0643 \u062a\u062e\u0627\u0637\u0631 \u0628\u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0639\u0644\u0649 \u0623\u0635\u0644 \u0648\u0627\u062d\u062f \u063a\u064a\u0631 \u0633\u0627\u0626\u0644\u060c \u0639\u0644\u0649 \u0623\u0645\u0644 \u0623\u0646 \u062a\u0631\u062a\u0641\u0639 \u0627\u0644\u0623\u0633\u0639\u0627\u0631. \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0644\u0627 \u062a\u0631\u062a\u0641\u0639 \u062f\u0627\u0626\u0645\u064b\u0627. \u0623\u0646\u0627 \u0623\u0628\u064a\u0639 \u0634\u0642\u062a\u064a \u0641\u064a \u0646\u064a\u0648\u064a\u0648\u0631\u0643 \u0628\u0623\u0642\u0644 \u0628\u0643\u062b\u064a\u0631 \u0645\u0645\u0627 \u0643\u0644\u0641\u062a\u0646\u064a\u060c \u0648\u0642\u062f \u0627\u0634\u062a\u0631\u064a\u062a\u0647\u0627 \u0642\u0628\u0644 10 \u0633\u0646\u0648\u0627\u062a!   <\/p>\n\n<p>\u0645\u0639\u0638\u0645 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0630\u064a\u0646 \u064a\u0634\u062a\u0631\u0648\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u064a\u0648\u0645 \u0644\u0627 \u064a\u0634\u062a\u0631\u0648\u0646 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064b\u0627. \u0625\u0646\u0647\u0645 \u064a\u0634\u062a\u0631\u0648\u0646 \u0631\u0647\u0627\u0646\u064b\u0627 \u0628\u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0642\u062f\u064a\u0631 \u0645\u0639 \u062a\u0639\u0642\u064a\u062f \u062a\u0634\u063a\u064a\u0644\u064a \u0643\u0628\u064a\u0631. <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u0642\u0627\u0631\u0646 \u0630\u0644\u0643 \u0628\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0639\u0648\u0627\u0626\u062f \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644 \u062a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 7-8%.<\/li>\n\n\n\n<li>\u0633\u064a\u0648\u0644\u0629 \u0643\u0627\u0645\u0644\u0629.<\/li>\n\n\n\n<li>\u062a\u0646\u0648\u064a\u0639 \u0639\u0627\u0644\u0645\u064a.<\/li>\n\n\n\n<li>\u0635\u0641\u0631 \u062a\u0643\u0627\u0644\u064a\u0641 \u062a\u0634\u063a\u064a\u0644\u064a\u0629.<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u0647\u0644 \u062a\u0631\u064a\u062f \u062d\u0642\u064b\u0627 \u0627\u0644\u062a\u0639\u0642\u064a\u062f + \u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 + \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0645\u0642\u0627\u0628\u0644 2-4% (\u0641\u064a \u0623\u0641\u0636\u0644 \u0627\u0644\u0623\u062d\u0648\u0627\u0644) \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0627\u0644\u0628\u0633\u0627\u0637\u0629 + \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0645\u0642\u0627\u0628\u0644 7-8%\u061f<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u062a\u0639\u0645\u0644 \u0625\u0630\u0627:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0623\u0646\u062a \u062a\u062d\u0628\u0647\u0627.<\/li>\n\n\n\n<li>\u0623\u0646\u062a \u062a\u0639\u0645\u0644 \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0648\u0627\u0633\u0639.<\/li>\n\n\n\n<li>\u0623\u0646\u062a \u062c\u064a\u062f \u0641\u064a\u0647\u0627.<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0645\u0639\u0638\u0645 \u0627\u0644\u0646\u0627\u0633\u060c \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0623\u0633\u0647\u0644 \u0648\u0623\u0643\u062b\u0631 \u0623\u0645\u0627\u0646\u064b\u0627 \u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0644\u0644\u062a\u0648\u0633\u0639.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong>\u0627\u0644\u062d\u0642\u064a\u0642\u0629 \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629<\/strong><\/h2>\n\n<p>\u0644\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u062a\u0648\u0642\u064a\u062a \u0645\u062b\u0627\u0644\u064a\u060c \u0623\u0648 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0645\u0639\u0642\u062f\u0629\u060c \u0623\u0648 \u0639\u0628\u0642\u0631\u064a\u0629 \u0645\u0627\u0644\u064a\u0629.<\/p>\n\n<p>\u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631\u060c \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0628\u0628\u0633\u0627\u0637\u0629\u060c \u0648\u062a\u062c\u0646\u0628 \u0641\u0639\u0644 \u0623\u064a \u0634\u064a\u0621 \u063a\u0628\u064a.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u0625\u0630\u0627 \u0644\u0645 \u062a\u0641\u0639\u0644 \u0634\u064a\u0626\u064b\u0627 \u0622\u062e\u0631\u060c \u0641\u0627\u0641\u0639\u0644 \u0647\u0630\u0627:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0623\u0646\u0634\u0626 \u0635\u0646\u062f\u0648\u0642 \u0637\u0648\u0627\u0631\u0626 \u0644\u0645\u062f\u0629 4-6 \u0623\u0634\u0647\u0631 (Wealthfront Cash).<\/li>\n\n\n\n<li>\u062e\u0630 \u0645\u0637\u0627\u0628\u0642\u0629 401(k) \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643.<\/li>\n\n\n\n<li>\u0627\u0645\u0644\u0623 Roth IRA \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0641\u064a VT (Fidelity).<\/li>\n\n\n\n<li>\u0627\u0633\u062a\u062b\u0645\u0631 \u0627\u0644\u0628\u0627\u0642\u064a \u0641\u064a VT \u0641\u064a \u062d\u0633\u0627\u0628 \u062e\u0627\u0636\u0639 \u0644\u0644\u0636\u0631\u064a\u0628\u0629 (Fidelity).<\/li>\n\n\n\n<li>\u0623\u062a\u0645\u062a\u0629 \u0643\u0644 \u0634\u064a\u0621.<\/li>\n<\/ul>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u062b\u0645 \u0627\u0630\u0647\u0628 \u0648\u0639\u0634 \u062d\u064a\u0627\u062a\u0643. \u0644\u0627 \u062a\u064f\u0628\u0646\u0649 \u0627\u0644\u062b\u0631\u0648\u0629 \u0628\u0627\u0644\u0647\u0648\u0633 \u0628\u0627\u0644\u0645\u0627\u0644. \u0628\u0644 \u062a\u064f\u0628\u0646\u0649 \u0628\u0648\u0636\u0639 \u0627\u0644\u0646\u0638\u0627\u0645 \u0645\u0631\u0629 \u0648\u0627\u062d\u062f\u0629&#8230; \u0648\u062a\u0631\u0643\u0647 \u064a\u0639\u0645\u0644 \u0644\u0645\u062f\u0629 15 \u0639\u0627\u0645\u064b\u0627!  <\/p>\n\n<p>\u0645\u0639\u0638\u0645 \u0627\u0644\u0646\u0627\u0633 \u0644\u0627 \u064a\u0641\u0634\u0644\u0648\u0646 \u0644\u0623\u0646\u0647\u0645 \u0627\u062e\u062a\u0627\u0631\u0648\u0627 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644 \u0627\u0644\u062e\u0627\u0637\u0626. \u0625\u0646\u0647\u0645 \u064a\u0641\u0634\u0644\u0648\u0646 \u0644\u0623\u0646\u0647\u0645 \u0644\u0645 \u064a\u0628\u0646\u0648\u0627 \u0646\u0638\u0627\u0645\u064b\u0627 \u0648\u0644\u0645 \u064a\u0644\u062a\u0632\u0645\u0648\u0627 \u0628\u0647. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0645\u0639\u0638\u0645 \u0627\u0644\u0646\u0627\u0633 \u0644\u0627 \u064a\u0639\u0627\u0646\u0648\u0646 \u0645\u0646 \u0645\u0634\u0643\u0644\u0629 \u0641\u064a \u0627\u0644\u0625\u0646\u0641\u0627\u0642. \u0628\u0644 \u0644\u062f\u064a\u0647\u0645 \u0645\u0634\u0643\u0644\u0629 \u0641\u064a \u0627\u0644\u0646\u0638\u0627\u0645: \u0628\u0639\u062f \u0639\u0634\u0631 \u0633\u0646\u0648\u0627\u062a: \u201d\u0627\u0646\u062a\u0638\u0631&#8230; \u0623\u064a\u0646 \u0630\u0647\u0628 \u0645\u0627\u0644\u064a\u061f\u201c \u0647\u0630\u0627 \u064a\u0646\u0637\u0628\u0642 \u0628\u0634\u0643\u0644 \u062e\u0627\u0635 \u0639\u0644\u0649 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0646\u0633\u0627\u0621 \u0627\u0644\u0630\u0643\u064a\u0627\u062a \u0648\u0627\u0644\u0646\u0627\u062c\u062d\u0627\u062a &hellip; <a href=\"\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;&#8221;<\/span><\/a><\/p>\n","protected":false},"author":9,"featured_media":70127,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[133],"tags":[],"class_list":["post-70219","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-133"],"acf":[],"contentUpdated":"\u0643\u064a\u0641 \u062a\u0628\u0646\u064a \u0627\u0644\u062b\u0631\u0648\u0629 101 (\u062f\u0648\u0646 \u0623\u0646 \u062a\u0635\u0628\u062d \u0633\u0645\u0633\u0627\u0631\u064b\u0627 \u0645\u0627\u0644\u064a\u064b\u0627). Categories - \u062a\u0623\u0645\u0644\u0627\u062a \u0634\u062e\u0635\u064a\u0629. Date-Posted - 2026-05-12T14:10:37 . \n \u0645\u0639\u0638\u0645 \u0627\u0644\u0646\u0627\u0633 \u0644\u0627 \u064a\u0639\u0627\u0646\u0648\u0646 \u0645\u0646 \u0645\u0634\u0643\u0644\u0629 \u0641\u064a \u0627\u0644\u0625\u0646\u0641\u0627\u0642. \u0628\u0644 \u0644\u062f\u064a\u0647\u0645 \u0645\u0634\u0643\u0644\u0629 \u0641\u064a \u0627\u0644\u0646\u0638\u0627\u0645: \n \u064a\u0643\u0633\u0628\u0648\u0646 \u0627\u0644\u0645\u0627\u0644.\n \u064a\u0646\u0641\u0642\u0648\u0646 \u0627\u0644\u0645\u0627\u0644.\n \u064a\u0623\u0645\u0644\u0648\u0646 \u0628\u0634\u0643\u0644 \u063a\u0627\u0645\u0636 \u0623\u0646 \u062a\u0633\u064a\u0631 \u0627\u0644\u0623\u0645\u0648\u0631 \u0639\u0644\u0649 \u0645\u0627 \u064a\u0631\u0627\u0645.\n \u0628\u0639\u062f \u0639\u0634\u0631 \u0633\u0646\u0648\u0627\u062a: \u201d\u0627\u0646\u062a\u0638\u0631&#8230; \u0623\u064a\u0646 \u0630\u0647\u0628 \u0645\u0627\u0644\u064a\u061f\u201c\n \u0647\u0630\u0627 \u064a\u0646\u0637\u0628\u0642 \u0628\u0634\u0643\u0644 \u062e\u0627\u0635 \u0639\u0644\u0649 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0646\u0633\u0627\u0621 \u0627\u0644\u0630\u0643\u064a\u0627\u062a \u0648\u0627\u0644\u0646\u0627\u062c\u062d\u0627\u062a \u0627\u0644\u0644\u0648\u0627\u062a\u064a \u0623\u0639\u0631\u0641\u0647\u0646\u060c \u0644\u064a\u0633 \u0644\u0623\u0646\u0647\u0646 \u0623\u0642\u0644 \u0643\u0641\u0627\u0621\u0629\u060c \u0628\u0644 \u0644\u0623\u0646\u0647 \u0644\u0645 \u064a\u0645\u0646\u062d\u0647\u0646 \u0623\u062d\u062f \u0642\u0637 \u062e\u0637\u0629 \u0639\u0645\u0644 \u0648\u0627\u0636\u062d\u0629 \u0648\u0628\u0633\u064a\u0637\u0629.\n \u0625\u0644\u064a\u0643 \u0647\u0630\u0647 \u0627\u0644\u062e\u0637\u0629 \u0625\u0630\u0646.\n \u0627\u0644\u062e\u0637\u0648\u0629 1: \u0641\u0647\u0645 \u062a\u062f\u0641\u0642\u0627\u062a\u0643 \u0627\u0644\u0646\u0642\u062f\u064a\u0629.\n \u0644\u0646\u062c\u0639\u0644 \u0627\u0644\u0623\u0645\u0631 \u0648\u0627\u0642\u0639\u064a\u064b\u0627.\n \u0627\u0644\u062d\u0627\u0644\u0629 \u0623: \u062f\u062e\u0644 100 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631\n \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a: 100,000 \u062f\u0648\u0644\u0627\u0631\n \u0627\u0644\u0636\u0631\u0627\u0626\u0628 (\u062d\u0648\u0627\u0644\u064a 30%): 30,000 \u062f\u0648\u0644\u0627\u0631\n \u0627\u0644\u0635\u0627\u0641\u064a: 70,000 \u062f\u0648\u0644\u0627\u0631 (\u062d\u0648\u0627\u0644\u064a 5,800 \u062f\u0648\u0644\u0627\u0631 \u0634\u0647\u0631\u064a\u064b\u0627)\n \u0627\u0644\u0625\u0646\u0641\u0627\u0642:\n \u0627\u0644\u0625\u064a\u062c\u0627\u0631: 2,200 \u062f\u0648\u0644\u0627\u0631\n \u0646\u0645\u0637 \u0627\u0644\u062d\u064a\u0627\u0629: 3,000 \u062f\u0648\u0644\u0627\u0631\n \u0627\u0644\u0645\u062c\u0645\u0648\u0639: \u062d\u0648\u0627\u0644\u064a 5,200 \u062f\u0648\u0644\u0627\u0631\n \u0627\u0644\u0645\u062f\u062e\u0631\u0627\u062a: \u062d\u0648\u0627\u0644\u064a 600 \u062f\u0648\u0644\u0627\u0631 \u0634\u0647\u0631\u064a\u064b\u0627 (\u062d\u0648\u0627\u0644\u064a 7,200 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627)\n \u0633\u062a\u0643\u0648\u0646 \u0628\u062e\u064a\u0631. \u0644\u0643\u0646\u0643 \u0644\u0646 \u062a\u0635\u0628\u062d \u062b\u0631\u064a\u064b\u0627. \n \u0627\u0644\u062d\u0627\u0644\u0629 \u0628: \u062f\u062e\u0644 150 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631 (\u0628\u0646\u0641\u0633 \u0646\u0645\u0637 \u0627\u0644\u062d\u064a\u0627\u0629)\n \u0627\u0644\u0635\u0627\u0641\u064a: \u062d\u0648\u0627\u0644\u064a 105,000 \u062f\u0648\u0644\u0627\u0631 (\u062d\u0648\u0627\u0644\u064a 8,750 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0634\u0647\u0631\u064a\u064b\u0627)\n \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0644\u0645 \u064a\u062a\u063a\u064a\u0631: \u062d\u0648\u0627\u0644\u064a 5,200 \u062f\u0648\u0644\u0627\u0631\n \u0627\u0644\u0645\u062f\u062e\u0631\u0627\u062a: \u062d\u0648\u0627\u0644\u064a 3,500 \u062f\u0648\u0644\u0627\u0631 \u0634\u0647\u0631\u064a\u064b\u0627 (\u062d\u0648\u0627\u0644\u064a 42,000 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627)\n \u0627\u0644\u0622\u0646 \u0646\u062a\u062d\u062f\u062b \u0628\u062c\u062f\u064a\u0629. \u062a\u064f\u0628\u0646\u0649 \u0627\u0644\u062b\u0631\u0648\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631\u060c \u0648\u0644\u064a\u0633 \u0628\u0628\u0631\u0627\u0639\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631. \n 7 \u0622\u0644\u0627\u0641 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627 \u2190 \u062a\u0642\u062f\u0645 \u0628\u0637\u064a\u0621.\n 20 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627 \u2190 \u062b\u0631\u0648\u0629 \u062d\u0642\u064a\u0642\u064a\u0629.\n 30-40 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627 \u2190 \u0645\u0633\u0627\u0631 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a.\n \u0627\u0644\u062e\u0637\u0648\u0629 2: \u0628\u0646\u0627\u0621 \u0623\u0633\u0627\u0633\u0643.\n 1. \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626.\n \u0627\u062d\u062a\u0641\u0638 \u0628\u0640: \u0645\u0635\u0627\u0631\u064a\u0641 4-6 \u0623\u0634\u0647\u0631 \u0646\u0642\u062f\u064b\u0627.\n \u0645\u062b\u0627\u0644: \u0625\u0646\u0641\u0627\u0642 5 \u0622\u0644\u0627\u0641 \u062f\u0648\u0644\u0627\u0631 \u0634\u0647\u0631\u064a\u064b\u0627 \u2190 \u0627\u062d\u062a\u064a\u0627\u0637\u064a 20-30 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631\n \u0647\u0630\u0627 \u0644\u064a\u0633 \u0644\u062a\u062d\u0642\u064a\u0642 \u0639\u0648\u0627\u0626\u062f. \u0647\u0630\u0627 \u0644\u062a\u062c\u0646\u0628 \u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u063a\u0628\u064a\u0629 \u062a\u062d\u062a \u0627\u0644\u0636\u063a\u0637. \n \u0636\u0639\u0647 \u0641\u064a \u062d\u0633\u0627\u0628 \u0639\u0627\u0644\u064a \u0627\u0644\u0639\u0627\u0626\u062f \u0645\u062b\u0644 \u062d\u0633\u0627\u0628 Wealthfront \u0627\u0644\u0646\u0642\u062f\u064a \u0627\u0644\u0630\u064a \u064a\u062d\u0642\u0642 \u062d\u0627\u0644\u064a\u064b\u0627 3.30%.\n \u0644\u0645\u0627\u0630\u0627 \u0623\u062d\u0628 Wealthfront Cash:\n \u062a\u062c\u0631\u0628\u0629 \u0645\u0633\u062a\u062e\u062f\u0645 \u0633\u0647\u0644\u0629 \u062c\u062f\u064b\u0627.\n \u0625\u0639\u062f\u0627\u062f \u0633\u0647\u0644 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a.\n \u0639\u0627\u0626\u062f \u062c\u064a\u062f.\n \u0644\u0627 \u064a\u0648\u062c\u062f \u062d\u062f \u0623\u062f\u0646\u0649 \/ \u0644\u0627 \u0631\u0633\u0648\u0645 \u0634\u0647\u0631\u064a\u0629.\n \u0645\u064a\u0632\u0627\u062a \u0633\u064a\u0648\u0644\u0629 \u0642\u0648\u064a\u0629.\n \u0647\u064a\u0643\u0644 \u062a\u063a\u0637\u064a\u0629 \u0642\u0648\u064a \u0645\u0646 FDIC \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0634\u0631\u064a\u0643\u0629\u060c \u0645\u0639 \u0623\u0647\u0644\u064a\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 8 \u0645\u0644\u0627\u064a\u064a\u0646 \u062f\u0648\u0644\u0627\u0631 \u0644\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0641\u0631\u062f\u064a\u0629\n \u0627\u062d\u062a\u0641\u0638 \u0628\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0648\u0627\u0644\u0646\u0642\u062f \u0642\u0635\u064a\u0631 \u0627\u0644\u0623\u062c\u0644 \u0647\u0646\u0627.\n 2. \u062a\u062e\u0644\u0635 \u0645\u0646 \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0633\u064a\u0626\u0629.\n \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 = \u0639\u0648\u0627\u0626\u062f \u0633\u0644\u0628\u064a\u0629 \u0645\u0636\u0645\u0648\u0646\u0629.\n \u0633\u062f\u062f\u0647\u0627!\n \u0627\u0644\u062e\u0637\u0648\u0629 3: \u0623\u064a\u0646 \u062a\u0633\u062a\u062b\u0645\u0631 (\u0627\u0644\u062a\u0631\u062a\u064a\u0628 \u0627\u0644\u0648\u062d\u064a\u062f \u0627\u0644\u0645\u0647\u0645).\n \u0647\u0646\u0627 \u064a\u062e\u0637\u0626 \u0645\u0639\u0638\u0645 \u0627\u0644\u0646\u0627\u0633.\n 1. 401(k) \u2190 \u062d\u062a\u0649 \u0645\u0637\u0627\u0628\u0642\u0629 \u0635\u0627\u062d\u0628 \u0627\u0644\u0639\u0645\u0644.\n \u062e\u0630 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0645\u062c\u0627\u0646\u064a. \u0625\u0630\u0627 \u0643\u0627\u0646 \u0635\u0627\u062d\u0628 \u0639\u0645\u0644\u0643 \u064a\u0637\u0627\u0628\u0642\u060c \u0641\u062e\u0630\u0647. \u062f\u0627\u0626\u0645\u064b\u0627. \u0628\u0644\u0627 \u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a.   \n \u0645\u062b\u0627\u0644:\n \u0623\u0646\u062a \u062a\u0636\u0639 5 \u0622\u0644\u0627\u0641 \u062f\u0648\u0644\u0627\u0631\n \u064a\u0636\u064a\u0641 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