Morgan Housel ke kitab “The Psychology of Money” se humein yeh samajh aata hai ki paisa kamana aur sambhalna sirf dimaag ka kaam nahi hai. Yeh aapke behavior se bhi bohot related hai. Yeh kuch aise lessons hai jo maine is kitab se seekhe hain, aur jo aapke zindagi mein bohot kaam aa sakte hain.
1. Har Koi Apne Paise Ka King Hai!
Sabke paise sambhalne ka apna ek tareeka hota hai. Koi bhi apne hisaab se faisla karta hai, apne experiences, apne ego, aur apne soche samjhe perspectives ke hisaab se. Matlab, aapko jo paise ka use karne ka tareeka ajeeb lagta hai, vo doosre ke liye bilkul sahi ho sakta hai. Har koi apni duniya ka king hai!
2. Luck aur Risk Ka Khel
Kabhi socha hai ki aapka paisa banne mein kitna luck aur risk involve hai? Yeh game kaafi tricky hota hai. Jab hum apni ya doosron ki financial success dekhte hain, toh humein samajhna chahiye ki bahut saari cheezein luck ya risk par bhi dependent hoti hain. Isliye, agar koi investment galat ho jaye, toh apna poora paisa usme daalne se bachna chahiye. Yeh nahi chalega toh koi aur mauka milega, bas game mein bane rehna hai!
3. Kabhi Kabhi Kam Bhi Kaafi Hota Hai
Jab baat paisa banane ki hoti hai, toh lagta hai ki zyada hi banao. Lekin ek cheez yaad rakhna, "enough" hona bhi zaroori hai. Hamesha aisa nahi hota ki zyada banao toh hi jeet hoge. Kuch cheezein aise bhi hoti hain jo priceless hoti hain, jise risk nahi karna chahiye.
4. Compounding Ki Jaadu
Socho, aap 200 rupaye mahina bacha rahe ho, 6% ke interest ke saath. Agar aap yeh savings 20 saal ki umar se shuru karte ho, toh 60 saal ki umar tak aapke paise 5 lakh rupaye se zyada ho jayenge! Lekin agar aap 40 saal ki umar se shuru karte ho, toh 60 tak sirf 70,000 hi hoga. Ab socho, time ka kitna bada impact hota hai. *Compounding* ke jaadu ko underestimate mat karo.
5. Wealth Ko Sambhal Ke Rakhna
Paisa kamana ek cheez hai, aur usse sambhal ke rakhna doosri. Apne success ko humesha humility ke saath treat karo, aur samjho ki fortune kabhi bhi badal sakta hai. Jitna zyada safety net hoga, utna aapke success ke chances zyada hoge. Barbell approach ko apnao—ek taraf hopeful raho, aur doosri taraf safe.
6. Tails, You Win
Business aur investment mein bohot saari cheezein long tails ke concept pe kaam karti hain. Matlab, kuch chhoti events ya companies hi puri market ka outcome decide kar deti hain. Toh yeh normal hai ki kuch cheezein galat ho jayein. Lekin jo sahi hota hai, vo zindagi badal deta hai.
7. Freedom Ki Ahmiyat
Sabse badi cheez jo paisa aapko de sakta hai, vo hai freedom—apne decisions khud lene ki. Yeh feeling kisi bhi aur cheez se zyada valuable hai.
8. Wealth: Kya Dikh Raha Hai, Aur Kya Nahi
Wealth sirf yeh nahi hoti ki aap kya khareed sakte ho. Yeh hoti hai ki aapke paas kitni flexibility hai, kitna future potential hai. Dikhawa karne wale log sirf upar upar se ameer dikhte hain. Lekin asli wealth vo hoti hai jo aapke future ko secure kare.
9. Save Money!
Paisa banane ke liye zaroori nahi ki aapka income bohot zyada ho ya aapke investments bohot achhe returns de rahe ho. Sabse important hai ki aap kitna save kar rahe ho. Savings aapka safety net hota hai, jo aapko unexpected situations mein bachata hai. Jitna zyada aap bacha sakte ho, utna zyada flexible ho jate ho life mein.
Ek Action: Aaj Se Shuru Karo!
Ab, yeh sab padne ke baad aap kya kar sakte ho? Simple! Aaj se hi apni savings shuru karo, choti si hi kyun na ho. Ek fixed amount har mahine bachaane ka target rakho, aur usko consistently follow karo. Agar aap pehle se savings kar rahe ho, toh apna savings rate thoda badhao.
Steps:
1. Calculate karo ki aap kitna bacha sakte ho har mahine.
2. Automate karo apne savings. Matlab, har mahine apni salary ya income se ek fixed amount automatically apne savings account mein transfer ho jaye.
3. Track karo apni progress har 6 mahine mein. Dekho kitna bada snowball ban raha hai aapke paise ka!
Yeh choti si practice aapko future mein bohot bada benefit degi. Remember, jitna jaldi shuru karoge, utna zyada faayda hoga!
