Kỹ năng học tập_Bài 11_Phần 2

Summary

The speaker discusses a powerful money management concept called the '6 Jars' method, inspired by the book 'Secrets of the Millionaire Mind.' The method involves dividing income into six different accounts for financial freedom, savings, education, essential expenses, enjoyment, and charity. Each jar receives a specific percentage to ensure balanced financial growth. The speaker emphasizes the importance of investing in oneself, maintaining discipline, and giving back, citing examples of successful individuals like Bill Gates and Mark Zuckerberg who have prioritized philanthropy. The message encourages smart money habits and long-term financial well-being.

Takeaways

• 💡 The 6-jar method for financial management is a recommended system for dividing income into different categories for effective money management.
• 💰 The first jar is for investments, with 10% allocated for financial freedom. It's important not to over-invest and risk financial security.
• 💵 The second jar is for savings, also 10%. Building the habit of saving is key to long-term success, even though it's often overlooked by young people.
• 📚 The third jar is for education, another 10%. Investing in self-development through courses and books brings long-term benefits, even if not immediately visible.
• 🛠️ The fourth jar, 55%, is for essential spending like housing, transportation, and daily living expenses.
• 🎉 The fifth jar, 10%, is for fun and enjoyment, allowing for experiences like movies, new clothes, or travel to keep life balanced and enjoyable.
• 🤝 The sixth jar is for charity, 5-10%. Giving helps maintain the flow of money and contributes to a mindset of abundance.
• ✍️ It's crucial to track expenses regularly, using apps or other methods, to better manage and adjust spending habits.
• 💪 Hardship and challenges during student years can build resilience, pushing individuals to strive for financial independence and success.
• 🌍 Many successful people, like Bill Gates and Mark Zuckerberg, donate large portions of their wealth, showing that giving does not hinder prosperity but enhances it.

Q & A

What are the '6 jars' of money management mentioned in the script?

The '6 jars' represent six different financial accounts or categories: 1) Financial Freedom (10%), 2) Savings (10%), 3) Education (10%), 4) Necessities (55%), 5) Play (10%), and 6) Charity (5%).

Why is it important to invest only 10% of your income in the 'Financial Freedom' account?

Investing only 10% prevents over-investing, which could lead to financial instability if an investment fails. This ensures that the majority of your funds are preserved for other essential needs.

What is the purpose of the 'Savings' jar in money management?

The 'Savings' jar, which holds 10% of your income, is meant for long-term savings. It helps create a financial cushion for future goals or unexpected emergencies.

Why is the 'Education' jar important in the 6 jars system?

The 'Education' jar encourages investing in personal growth and knowledge, which can lead to greater financial success in the future. It holds 10% of your income to be used for learning new skills or gaining knowledge.

How much of your income should be allocated to essential living expenses?

55% of your income should be allocated to essential living expenses, such as housing, food, transportation, and utilities.

What is the purpose of the 'Play' jar, and how much should be allocated to it?

The 'Play' jar allocates 10% of your income for fun and enjoyment, like going to the movies or taking a vacation. This ensures that you enjoy life while managing your money responsibly.

Why is it important to have a 'Charity' jar, even if you are not wealthy?

The 'Charity' jar, which holds 5% of your income, is important because giving back helps create a flow of wealth. It also instills a sense of responsibility and compassion for those in need.

How do successful people like Bill Gates and Mark Zuckerberg demonstrate the importance of giving?

Bill Gates and Mark Zuckerberg have committed large portions of their wealth to charitable causes. Gates has donated 95% of his wealth, while Zuckerberg pledged 99% of his fortune, showing that giving back enhances financial and social success.

What role does recording and tracking expenses play in effective money management?

Tracking expenses regularly helps monitor where your money is going and allows for better financial planning. It ensures that spending aligns with your financial goals and keeps you accountable.

How does the concept of 'tư duy khánh tiệt' (scarcity mindset) relate to saving money?

The scarcity mindset suggests spending all available money with the belief that it will run out. Avoiding this mindset by saving ensures financial stability and reduces anxiety about the future.