Tahukah kamu kalau hanya mendiamkan uangmu di bank, kamu bisa kehilangan uang akibat inflasi sekitar 2% per tahun? Untuk menghindari hal itu, kamu bisa mencoba mengelola keuangan sedini mungkin supaya uang yang bekerja untukmu. Jangan khawatir tentang membuat kesalahan kecil pada awalnya, dan jangan menunggu sampai 100% yakin untuk berinvestasi, karena ujungnya nanti malah kamu tidak melakukan apa-apa karena kelamaan galau. Inilah salah satu langkah untuk reset mindset. Lebih baik ambil langkah kecil secara konsisten dan belajar cara menjadi kaya lewat pembahasan buku “I Will Teach You to be Rich” oleh Ramit Sethi.
Simak Pelajaran Menarik Berikut dari Ramit Sethi!
Edisi Reset Mindset, Apa arti kaya bagimu?
Poin ini mengajak kamu untuk memilih secara sadar apa arti dan tujuan ‘kaya’ bagimu. Jika kamu sudah memahami apa arti kaya bagimu, akan memudahkan kamu saat membelanjakan uang tanpa rasa bersalah untuk hal-hal yang kamu sukai. Jangan lakukan apa yang tidak kamu sukai dan potong pengeluaran untuk hal-hal yang tidak kamu sukai. Agar memudahkan kamu mengalokasikan dana untuk pengeluaran, Sethi menyarankan penggunaan alat pelacak keuangan sehingga kamu dapat melihat ke mana uangmu pergi. Kalau kamu sudah bisa membuat keputusan dari hasil melacak pengeluaran, kamu termasuk hemat karena berhemat artinya memilih hal-hal yang cukup disukai untuk dibelanjakan secara boros.
2. Alasan Umum untuk Menghindari Tindakan
Seringkali kita takut untuk bertindak karena takut tidak membuat pilihan yang 100% sempurna dan mendapatkan hasil kecil. Sehingga, Sethi menyarankan untuk menjadi biasa-biasa saja daripada menunda dengan menggunakan solusi 85%. Artinya lakukan saja tindakan yang menurut kamu 85% benar daripada tidak melakukan apa-apa. Konsep “Solusi 85%” mengajarkan bahwa memulai lebih penting daripada menjadi ahli. Jadi, jangan menunggu hingga 100% sempurna dan benar untuk memulai sesuatu dan coba memulai beberapa hal mulai hari ini. Tidak apa-apa untuk membuat kesalahan, belajarlah dari kesalahan itu sehingga kamu tahu apa yang harus dihindari untuk tidak mengulanginya lagi.
3. Menyiapkan Sistem Uang Otomatis
Terkadang karakter manusia cenderung mudah bosan dan tidak termotivasi, sehingga justru berbahaya saat berinvestasi dan membangun kebiasaan menabung karena kamu jadi tidak bisa melakukannya dalam jangka panjang. Oleh karena itu, kamu perlu mengatur sistem uang otomatis yang dapat membantu kamu mengalokasi pendapatan setiap bulan sehingga tetap pada rencana keuangan jangka panjang. Caranya adalah kamu bisa memilih tanggal tertentu dan menjadwalkannya untuk melakukan transaksi keuangan tertentu.
4. Menyiapkan Bucket Uang
Berikut adalah 4 bucket uang sebagai rencana pengeluaran sadar beserta persentase gaji yang harus dialokasikan pada setiap bucket uang:
-Biaya tetap: 50-60%
-Investasi: 10%
-Penghematan: 5-10%
-Pengeluaran tanpa rasa bersalah: 20-35%
5. Rencana 6 minggu untuk menjadi kaya.
- Optimalkan kartu kredit, dengan menghindari membelanjakan lebih dari yang kamu peroleh dan belajar melunasi tagihan tepat waktu.
- Optimalkan rekening bank, caranya dengan memilih bank dan rekening terbaik, serta memaksimalkan bunga bank.
- Bersiaplah untuk berinvestasi dengan membuka akun investasi.
- Terapkan pengeluaran sadar, dengan belajar membelanjakan uang untuk hal-hal yang disukai sambil mengurangi pengeluaran di hal lainnya.
- Otomatiskan semuanya untuk menghindari pemborosan waktu atau pengeluaran melebihi batasmu.
- Mulai berinvestasi dengan mencari tahu apa yang harus diinvestasikan dan bagaimana.
Rencana 6 minggu ini dapat membantu 85% dari perjalanan kesehatan finansial sementara untuk sisanya kamu dapat melakukan hal berikut untuk mempertahankan investasi:
-Tetap memeriksa investasi dan melakukan rebalancing setiap 12-18 bulan.
– Memiliki rencana pengeluaran yang sadar dan sistem yang mengotomatisasi tabungan dan investasi, sehingga kamu dapat membelanjakan hal-hal yang paling penting bagimu dan tetap mencapai tujuan keuangan.
Jadi, coba mulai saja dulu ya! Misalnya nih, kamu pingin banget punya logam mulia. Tapi, kamu tidak sanggup untuk membelinya secara langsung sekarang. Nah, sekarang kamu tetap bisa punya emas dengan mencicil pembelian sedikit demi sedikit secara digital. Inilah hasil dari reset mindset.
Sumber:
https://growthabit.com/business-finance-books/i-will-teach-you-to-be-rich-book-summary/
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