Sesimpel Ini Mengetahui Psikologi Uang

Kali ini kita akan membahas secara ringkas mengenai aspek penting dalam psikologi uang menurut Morgan Housel. Sebelumnya, setuju tidak jika uang bukan segalanya?  Ya, memang ada orang yang kaya tapi hidupnya tak bahagia. Tapi, dalam kehidupan sehari-hari tanpa uang, banyak hal yang mudah di cemaskan dan juga tidak akan terpisahkan dari uang. Nah, buku hasil karya Morgan Housel yang merupakan penulis dengan dua penghargaan Bisnis Terbaik dari Society of American Business Editor and Writers, pemenang New York Times Sidney Award. Dalam karya yang cemerlang berjudul “The Psychology of Money”, Morgan menjelaskan tentang bagaimana hubungan manusia dengan uang dengan menggunakan sudut pandang dari perilaku manusia sehingga pembacanya dapat menggunakan uang dengan baik melalui 19 cerita-cerita pendek.

Setiap cerita pendek menggambarkan sudut pandang yang menarik mengenai wawasan dalam pengelolaan uang secara detail walaupun ada kompleksitas yang sesuai dengan realita yang terjadi. Dalam buku ini akan menjawab beberapa pertanyaan seperti berapa jumlah uang yang harus ditabung agar dapat pensiun dengan tenang? kapan waktu yang tepat berinvestasi? 

Pada buku ini, setidaknya ada tiga hal penting yang dirangkum untuk menjawab pertanyaan kamu dalam mengelola keuangan, jangan lupa di ingat ya!

Ketahuilah setiap orang memiliki pengalaman unik terhadap uang

Setiap orang memiliki sudut pandang yang berbeda-beda dalam mengelola keuangannya, sama hal nya dengan pertanyaan yang mungkin di tanyakan, “Kok kamu mau beli barang fangirling idola?” atau “Kok kamu mau traveling di tempat mahal?” 

Perlu kita ketahui bahwa apa yang kita ketahui tentang cara dunia bekerja hanyalah secuil dari realitas yang ada, dalam kasus ini kita tidak bisa memberikan penilaian melalui kacamata “kebiasaan orang belanja” karena setiap orang memiliki cara unik untuk membentuk cara mereka dalam berinvestasi. Misalnya seseorang yang fangirling bisa membuat dia semangat dalam bekerja dan mencari uang karena dapat membeli barang idolanya. Buku ini menjelaskan untuk kita memahami terkait psikologi uang yaitu, “we know less than we’d like to think we do”.

Peran penting hoki dalam kesuksesan seseorang

Ada yang tahu Bill Gates? orang terkaya di dunia yang berasal dari Microsoft. Pasti juga tahu bagaimana Bill Gates mengawali karirnya karena mendapatkan akses komputer pada saat duduk di SMA, di mana pada saat itu komputer adalah barang mahal dan langka di dunia. Ya, Bill Gates beruntung. 

Psikologi manusia mengatakan bahwa manusia cenderung meremehkan atau bahkan membesar-besarkan peran dari keberuntungan pada suatu kejadian. Biasanya di kaitkan jika seseorang berhasil, banyak dari kita mengaitkan dengan kerja keras. Namun, jika seseorang gagal, kita menganggap mereka malas dan tidak punya tujuan. Nyatanya ia sudah bekerja semaksimal mungkin untuk tidak gagal. Karena itu, forbes tak akan menerbitkan kisah investor sukses yang bangkrut . Hal ini karena sedang mengalami kesialan ketika harga aset di pasar keuangan anjlok secara tiba-tiba. Dan juga yang mereka liput hanyalah investor serampangan yang beruntung dan memperoleh keuntungan di atas rata-rata pada umumnya. Karena itu, ketika di kaitkan dengan investasi uang, janganlah sekali-kali membuat keputusan dengan dasar sejarah atau kebiasaan. Dan juga tidak lupa bahwa keberuntungan mengambil peran penting dalam kesuksesan seseorang

Menentukan jenis aset yang berbeda untuk berinvestasi

Tanamkan di dalam diri, bahwa dunia penuh dengan kejutan. Sehingga, pada dunia investasi penting untuk di pelajari “di versifikasi”. Atau istilah lainnya jangan menaruh seluruh aset investasi kekayaan dalam satu keranjang saja. Karena itu, dalam buku ini di sampaikan bahwa ketika kamu dapat membuat beberapa keputusan terbaik, maka akan muncul ruang yang sedikit lebih banyak untuk memicu “kesalahan” dalam kasus berinvestasi. Kegagalan merupakan sesuatu yang tak dapat di hindari. Ketika rencana yang di buat gagal, margin of safety adalah solusi selanjutnya dalam menjalani hidup yang di penuhi ketidakpastian.

Nah itulah tiga hal terkait psikologi uang yang bisa jadi pegangan dalam berinvestasi. Lebih lengkapnya kamu dapat membacanya di buku karya Morgan Housel berjudul “Psychology of Money”

Jangan lupa Give Applause, Komentar kalau masih ada yang bingung, dan Share ke teman terdekatmu. Follow juga IG @davidwijaya23 untuk informasi seputar keuangan, produktivitas, dan buku yaaa!

Sumber : 

https://www.kompasiana.com/400533bayu/62c7a403bb4486048a1e92a2/uang-dan-ironi-kekayaan-resensi-buku-the-psychology-of-money?page=2&page_images=1

Penulis:

Kategori: Investasi

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