H.A.P.P.Y 致富方程式

作者:Winner Chen 日期:2021/07/20

「致富」必須先明確定義何謂富?

在我看來,做任何選擇時,不需要太過考慮價錢,就代表了是一種富有的狀態,通俗點說就是「財富自由」!另外一個「富」有趣的定義,就是比鄰居更加有錢。因此「富有」的狀態,不但是在實質上有夠用的金錢,並且也代表在心理上,有一個「滿足」的感受。而這種滿足的感覺,會帶來心靈上的安全感,遠離憂慮。

HAPPY致富方程式

一個沒有憂慮的人生下半場,是每個人都期待的。而實際上,卻極少數人能真正達到「富」的境界。其中的原因很多,包括未設定目標、未執行計劃、對風險極度厭誤、對金錢的妖魔化、甚至從沒認真的思考過如何能更快的達到退休的財務條件!

有鑑於周遭朋友對於退休準備的刻意忽視,在一次的靈感下,發現了HAPPY致富方程式,利用五個關鍵元素的組合,幫助每一個人找到那條專屬獨一無二的財富自由之路。

H(ope)期望年花費= 現在的花費 – 未來不需要花費的 + 未來增加的花費,此處目的是先設定一個錨點,所有的決策以此為準。
A(djusted)調整年花費:是在資產最適化後計算出的合宜年花費。相對於H是一個開始或夢想,A就是結點或實務。
P(ut-in)各項投入:指的是所有可投入的資源,如金錢、房產、股權、時間、勞力、人際關係、家庭資源、名聲…等可用資源,透過某些方式的轉換,讓其產生"非工資現金流入"。
P(ay-off)非工資現金流入:即不工作時都能自動產生的長期穩定收入,同樣也代表著退休後收入,如社會保險的老年年金、商業年金保險、租賃所得、存款利息、金融工具配息、子女奉養、投資分紅…等。
Y(ears of freedom)財富自由年度:當所有的非工資收入堆疊超過A時,就是達到了財富自由的初階段 - 不工作也能生活。有二個方式能早日達成這個目標,第一個就是穩健的提高P,另一個就是合理的降低A,讓P>A的狀態長久維持,就是每個人最重要的財務功課。

HAPPY執行步驟

我們共同的目標是為了讓Y愈小愈好min(Y)即P1+P2+…+Pn>(H or A)之年度執行步驟:

  • Step1:計算H,即設想自己期望未來每個月可花費多少
  • Step2:計算P1,出勞保老年年金(https://www.1955.gov.tw/0100398.html)
  • Step3:計算P2,新制勞退基金(https://calc.mol.gov.tw/trial/personal_account_frame.asp)
  • Step4:計算P3,國民年金(https://www.1955.gov.tw/0100754.html)
  • Step5:計算P4,統計各項商業保險年金(可詢問保險專業人員)
  • Step6:計算P5,計算各項非工資現金流,即所謂被動式收入
  • Step7:加總P1~Pn,即可知目前距離H,即財富自由的差距
  • Step8:若有差距,規劃執行提高P值 (你不理財,財不理你)
  • Step9:若仍有差距,可將每月花費調整至A,或者延長退休年齡持續累積至P>A

在Step8要提高P值,這是最關鍵也需要最大時間投入的步驟,因為所有的調整都是動態且互相影嚮,為此,我自行開發一個現金流試算表,將在下一篇說明使用方式!
優化退休現金流(文章連結)

(5,634) Comments

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