Соразмерность пассивов — активам


На слайде изображены две пирамиды, одна олицетворяет пассивы (расходы) другая пирамида олицетворяет активы (доходы). Здесь представлена модель, говорящая в принципе очевидные вещи, что если хочешь обладать машинами, квартирами, семьёй, то нужны соразмерные доходы, для обеспечения всего этого. При этом желательно найти самореализацию в бизнесе. В жизни очень часто видно, что люди хотят обладать большими пассивами , при этом не обеспеченные активами, как правило это заканчивается плачевно они начинают надрываться, брать кредиты стараясь обеспечивая пассивы или становятся зависимыми от того, кото-то обладает большей частью активов.
Так для примера расчёта взята сумма для Москвы на 2017 год. И так берём сумму 50 тыс. руб на одного человека в месяц, далее появляется кредит на машину это +20 тыс., + 60 тыс. кредит на ипотеку. Получается 130 тыс. в месяц, далее появляется девушка, расходы в месяц увеличиваются на развлечения, отпуск, поездки, это в среднем 20 тыс. в месяц. На данный момент у нас уже 150 тыс., далее рождается ребенок это ещё + 20 тыс. в месяц, далее появляется ещё ребенок + 20 тыс. в месяц, потом ещё + 20 тыс., у нас уже 210 тыс. в месяц. Это при очень умеренной жизни. Не нищенской, но кое в чем придётся себе отказывать.

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