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)
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