{"id":34210,"date":"2025-06-16T19:44:27","date_gmt":"2025-06-16T12:44:27","guid":{"rendered":"https:\/\/quanghung.name.vn\/thoi-su\/4-sai-lam-khien-mot-nguoi-mai-ngheo\/"},"modified":"2025-06-16T19:44:27","modified_gmt":"2025-06-16T12:44:27","slug":"4-sai-lam-khien-mot-nguoi-mai-ngheo","status":"publish","type":"post","link":"https:\/\/quanghung.name.vn\/?p=34210","title":{"rendered":"4 sai l\u1ea7m khi\u1ebfn m\u1ed9t ng\u01b0\u1eddi m\u00e3i ngh\u00e8o"},"content":{"rendered":"<article class=\"fck_detail \">\n<p class=\"Normal\">Rachel Cruze, chuy\u00ean gia t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n ng\u01b0\u1eddi M\u1ef9, con g\u00e1i c\u1ee7a &#8220;huy\u1ec1n tho\u1ea1i t\u00e0i ch\u00ednh&#8221; Dave Ramsey, cho r\u1eb1ng c\u00f3 b\u1ed1n sai l\u1ea7m m\u1ecdi ng\u01b0\u1eddi hay m\u1eafc v\u00e0 \u0111\u1ec3 l\u1ea1i h\u1eadu qu\u1ea3 n\u1eb7ng n\u1ec1.<\/p>\n<p class=\"Normal\"><strong>Chi ti\u00eau v\u01b0\u1ee3t qu\u00e1 kh\u1ea3 n\u0103ng<\/strong><\/p>\n<p class=\"Normal\">D\u00f9 ki\u1ebfm \u0111\u01b0\u1ee3c bao nhi\u00eau ti\u1ec1n, li\u00ean t\u1ee5c duy tr\u00ec l\u1ed1i s\u1ed1ng kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi thu nh\u1eadp, b\u1ea1n s\u1ebd s\u1edbm c\u1ea1n ki\u1ec7t t\u00e0i kho\u1ea3n ho\u1eb7c ch\u00ecm trong n\u1ee3 n\u1ea7n. &#8220;Kh\u00f4ng \u00edt ng\u01b0\u1eddi kh\u00f4ng r\u00f5 m\u00ecnh \u0111ang ki\u1ebfm \u0111\u01b0\u1ee3c bao nhi\u00eau ti\u1ec1n, ti\u00eau v\u00e0o \u0111\u00e2u v\u00e0 c\u1ee9 th\u1ebf s\u1ed1ng theo th\u00f3i quen. T\u00ecnh tr\u1ea1ng n\u00e0y c\u00f3 th\u1ec3 x\u1ea3y ra \u1edf b\u1ea5t k\u1ef3 m\u1ee9c thu nh\u1eadp n\u00e0o&#8221;, Cruze nh\u1eadn \u0111\u1ecbnh.<\/p>\n<p class=\"Normal\">\u0110\u1ec3 kh\u1eafc ph\u1ee5c, chuy\u00ean gia khuy\u00ean n\u00ean b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c ghi ch\u00e9p c\u1ee5 th\u1ec3 thu nh\u1eadp v\u00e0 chi ti\u00eau, t\u1eeb \u0111\u00f3 l\u1eadp ng\u00e2n s\u00e1ch th\u1ef1c t\u1ebf v\u00e0 b\u00e1m s\u00e1t.<\/p>\n<p class=\"Normal\">Ngo\u00e0i ra, b\u1ea1n c\u0169ng n\u00ean c\u00e2n nh\u1eafc t\u0103ng thu nh\u1eadp v\u00e0 c\u1eaft gi\u1ea3m nh\u1eefng kho\u1ea3n chi kh\u00f4ng c\u1ea7n thi\u1ebft. S\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 gi\u00fap h\u00ecnh th\u00e0nh th\u00f3i quen n\u00e0y d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n<p class=\"Normal\"><strong>Coi &#8220;n\u1ee3 l\u00e0 b\u00ecnh th\u01b0\u1eddng&#8221;<\/strong><\/p>\n<p class=\"Normal\">Cruze cho r\u1eb1ng, vi\u1ec7c quen v\u1edbi c\u00e1c kho\u1ea3n n\u1ee3 khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi m\u1eb7c \u0111\u1ecbnh vi\u1ec7c tr\u00edch thu nh\u1eadp h\u00e0ng th\u00e1ng \u0111\u1ec3 tr\u1ea3 n\u1ee3 l\u00e0 hi\u1ec3n nhi\u00ean. Th\u1ef1c t\u1ebf, c\u00e0ng n\u1ee3 nhi\u1ec1u, b\u1ea1n c\u00e0ng \u00edt c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0, ti\u1ebft ki\u1ec7m v\u00e0 t\u1ea1o d\u1ef1ng t\u00e0i s\u1ea3n l\u00e2u d\u00e0i.<\/p>\n<p class=\"Normal\">\u0110\u1ec3 tho\u00e1t kh\u1ecfi v\u00f2ng xo\u00e1y n\u00e0y, Cruze khuy\u00ean n\u00ean \u00e1p d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p &#8220;n\u1ee3 l\u0103n c\u1ea7u tuy\u1ebft&#8221; \u2013 t\u1eadp trung tr\u1ea3 kho\u1ea3n n\u1ee3 nh\u1ecf nh\u1ea5t tr\u01b0\u1edbc, sau \u0111\u00f3 d\u1ed3n l\u1ef1c v\u00e0o c\u00e1c kho\u1ea3n l\u1edbn h\u01a1n. Khi \u0111\u00e3 gi\u1ea3i quy\u1ebft xong n\u1ee3, s\u1ed1 ti\u1ec1n t\u1eebng d\u00e0nh cho vi\u1ec7c tr\u1ea3 n\u1ee3 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c chuy\u1ec3n sang \u0111\u1ea7u t\u01b0 sinh l\u1eddi.<\/p>\n<p class=\"Normal\"><strong>Kh\u00f4ng h\u00ecnh th\u00e0nh th\u00f3i quen ti\u1ebft ki\u1ec7m<\/strong><\/p>\n<p class=\"Normal\">D\u1eef li\u1ec7u t\u1eeb C\u1ee5c Ph\u00e2n t\u00edch kinh t\u1ebf M\u1ef9 cho th\u1ea5y, v\u00e0o th\u00e1ng 4\/2025, ng\u01b0\u1eddi d\u00e2n M\u1ef9 ch\u1ec9 ti\u1ebft ki\u1ec7m kho\u1ea3ng 4,9% thu nh\u1eadp kh\u1ea3 d\u1ee5ng. Nhi\u1ec1u ng\u01b0\u1eddi v\u1eabn kh\u00f4ng c\u00f3 n\u1ed5i m\u1ed9t kho\u1ea3n qu\u1ef9 kh\u1ea9n c\u1ea5p t\u1ed1i thi\u1ec3u \u0111\u1ec3 \u1ee9ng ph\u00f3 v\u1edbi r\u1ee7i ro b\u1ea5t ng\u1edd.<\/p>\n<p class=\"Normal\">\u1ede Vi\u1ec7t Nam, c\u00f4ng ty d\u1ecbch v\u1ee5 chuy\u00ean nghi\u1ec7p PricewaterhouseCoopers ch\u1ec9 ra 80% ng\u01b0\u1eddi tr\u1ebb kh\u00f4ng c\u00f3 qu\u1ef9 kh\u1ea9n c\u1ea5p, d\u1eabn \u0111\u1ebfn vi\u1ec7c ph\u1ea3i vay n\u00f3ng v\u1edbi l\u00e3i su\u1ea5t cao, l\u00e0m gia t\u0103ng \u00e1p l\u1ef1c t\u00e0i ch\u00ednh.<\/p>\n<p class=\"Normal\">Cruze g\u1ee3i \u00fd n\u00ean b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c d\u00e0nh ra kho\u1ea3n nh\u1ecf cho qu\u1ef9 d\u1ef1 ph\u00f2ng, sau \u0111\u00f3 t\u0103ng d\u1ea7n l\u00ean m\u1ee9c t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 3-6 th\u00e1ng chi ph\u00ed sinh ho\u1ea1t. Song song, h\u00e3y tr\u00edch \u00edt nh\u1ea5t 15% l\u01b0\u01a1ng h\u00e0ng th\u00e1ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0 cho h\u01b0u tr\u00ed.<\/p>\n<p class=\"Normal\"><strong>Lu\u00f4n so s\u00e1nh b\u1ea3n th\u00e2n v\u1edbi ng\u01b0\u1eddi kh\u00e1c<\/strong><\/p>\n<p class=\"Normal\">Kh\u00f4ng \u00edt ng\u01b0\u1eddi ti\u00eau ti\u1ec1n ch\u1ec9 \u0111\u1ec3 theo k\u1ecbp h\u00ecnh \u1ea3nh th\u00e0nh c\u00f4ng c\u1ee7a b\u1ea1n b\u00e8, \u0111\u1ed3ng nghi\u1ec7p hay ng\u01b0\u1eddi n\u1ed5i ti\u1ebfng, t\u1eeb mua xe m\u1edbi, \u0111i du l\u1ecbch \u0111\u1ebfn \u0111\u1ea7u t\u01b0 v\u00e0o \u0111\u1ed3 hi\u1ec7u. \u0110i\u1ec1u n\u00e0y d\u1ec5 d\u1eabn \u0111\u1ebfn ti\u00eau s\u1ea1ch ti\u1ec1n ti\u1ebft ki\u1ec7m, th\u1eadm ch\u00ed vay n\u1ee3 ch\u1ec9 \u0111\u1ec3 g\u00e2y \u1ea5n t\u01b0\u1ee3ng.<\/p>\n<p class=\"Normal\">&#8220;Mu\u1ed1n t\u1eadn h\u01b0\u1edfng cu\u1ed9c s\u1ed1ng kh\u00f4ng sai, nh\u01b0ng n\u1ebfu c\u1ea3 \u0111\u1eddi b\u1ea1n ch\u1ec9 ch\u1ea1y theo h\u00ecnh \u1ea3nh c\u1ee7a ng\u01b0\u1eddi kh\u00e1c, b\u1ea1n s\u1ebd nh\u01b0 con chu\u1ed9t trong v\u00f2ng quay b\u1ea5t t\u1eadn&#8221;, Cruze c\u1ea3nh b\u00e1o.<\/p>\n<p class=\"Normal\">Gi\u1ea3i ph\u00e1p l\u00e0 h\u1ecdc c\u00e1ch h\u00e0i l\u00f2ng v\u1edbi nh\u1eefng g\u00ec m\u00ecnh c\u00f3, \u0111\u1ed3ng th\u1eddi l\u00ean k\u1ebf ho\u1ea1ch cho nh\u1eefng m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf.<\/p>\n<p class=\"Normal\" style=\"text-align:right;\"><strong>Nh\u1eadt Minh <\/strong>(Theo <em>Gobankingrates<\/em>)<\/p>\n<p><span id=\"article-end\"><\/span><\/p>\n<div data-component=\"true\" data-component-type=\"tin_xemthem\" data-component-value=\"4692881,4896086,4848799\" data-thumb=\"1\"><\/div>\n<p><!-- G\u1eedi g\u00f3p \u00fd b\u1ed9 khoa h\u1ecdc v\u00e0 c\u00f4ng ngh\u1ec7 --><br \/>\n<!-- End g\u1eedi g\u00f3p \u00fd b\u1ed9 khoa h\u1ecdc v\u00e0 c\u00f4ng ngh\u1ec7 --><br \/>\n<!-- Hope --><br \/>\n<!-- End Hope --><br \/>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Rachel Cruze, chuy\u00ean gia t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n ng\u01b0\u1eddi M\u1ef9, con g\u00e1i c\u1ee7a &#8220;huy\u1ec1n tho\u1ea1i t\u00e0i ch\u00ednh&#8221; Dave Ramsey, cho r\u1eb1ng c\u00f3 b\u1ed1n sai l\u1ea7m m\u1ecdi ng\u01b0\u1eddi hay m\u1eafc v\u00e0 \u0111\u1ec3 l\u1ea1i h\u1eadu qu\u1ea3 n\u1eb7ng n\u1ec1. Chi ti\u00eau v\u01b0\u1ee3t qu\u00e1 kh\u1ea3 n\u0103ng D\u00f9 ki\u1ebfm \u0111\u01b0\u1ee3c bao nhi\u00eau ti\u1ec1n, li\u00ean t\u1ee5c duy tr\u00ec l\u1ed1i s\u1ed1ng kh\u00f4ng<\/p>\n","protected":false},"author":1,"featured_media":34211,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow44a6DA:productID":"","footnotes":""},"categories":[2],"tags":[5982,14689,14688,12429],"class_list":["post-34210","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thoi-su","tag-cach-lam-giau","tag-cach-tiet-kiem","tag-quan-ly-chi-tieu","tag-tai-chinh"],"_links":{"self":[{"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/posts\/34210","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=34210"}],"version-history":[{"count":0,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/posts\/34210\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=\/wp\/v2\/media\/34211"}],"wp:attachment":[{"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=34210"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=34210"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/quanghung.name.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=34210"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}