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\u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 – \u0633\u0648\u0627\u0621 \u0641\u064a \u062d\u0633\u0627\u0628 \u0627\u0644\u0648\u0633\u0627\u0637\u0629 \u0627\u0644\u062e\u0627\u0636\u0639 \u0644\u0644\u0636\u0631\u064a\u0628\u0629 \u060c \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0633\u0627\u0639\u062f\u0643 401 (Okay) \u0623\u0648 \u0627\u0644\u062c\u064a\u0634 \u0627\u0644\u062c\u0645\u0647\u0648\u0631\u064a \u0627\u0644\u0627\u064a\u0631\u0644\u0646\u062f\u064a \u0623\u0648 \u0627\u0644\u0645\u062f\u062e\u0631\u0627\u062a – \u0645\u062d\u062a\u0631\u0641\u064b\u0627 \u0645\u0627\u0644\u064a\u064b\u0627 \u0645\u062a\u0645\u0631\u0633\u064b\u0627 \u0641\u064a \u062a\u0642\u064a\u064a\u0645 \u0645\u062d\u0641\u0638\u062a\u0643 \u0628\u0639\u064a\u0648\u0646 \u062c\u062f\u064a\u062f\u0629. \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0643\u0634\u0641 \u062c\u0644\u0633\u0629 \u0639\u062f\u0645 \u0627\u0644\u062a\u0632\u0627\u0645 \u0647\u0630\u0647 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<\/p>\n![\"\u0646\u0641\u0648\u0630](\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2025\/07\/us-household-leverage.png\")
<\/figure>\n\u064a\u0645\u0643\u0646 \u0644\u0644\u0623\u0633\u0631 \u0645\u0642\u0627\u0648\u0645\u0629 \u0627\u0644\u0631\u0643\u0648\u062f \u0627\u0644\u062a\u0627\u0644\u064a \u0628\u0634\u0643\u0644 \u0623\u0641\u0636\u0644<\/h2>\n
![\"\u0627\u0644\u0646\u0633\u0628\u0629](\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2024\/09\/IMG_1860.jpg\")
<\/figure>\n![\"\u0627\u0644\u0645\u0633\u0627\u0648\u0627\u0629](\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/12\/IMG_9997.jpg\")
<\/figure>\n\u0627\u0644\u0646\u0648\u0639 \u0627\u0644\u0648\u062d\u064a\u062f \u0627\u0644\u062c\u064a\u062f \u0645\u0646 \u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong><\/h2>\n
![\"\u064a\u0635\u0644](\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2025\/07\/IMG_7246-728x477.jpeg\")
<\/figure>\n\u0646\u0633\u0628\u0629 \u0627\u0644\u0623\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0645\u062f\u064a\u0646\u064a\u0646 \u0627\u0644\u0645\u0648\u0635\u0649 \u0628\u0647\u0627 \u062d\u0633\u0628 \u0627\u0644\u0639\u0645\u0631<\/h2>\n
![\"\u0646\u0633\u0628\u0629](\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2025\/07\/target-asset-to-liability-ratio.jpg\")
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![\"\u0645\u0628\u0644\u063a](\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2025\/07\/Overall-Fundrise-Investment-Financial_Samurai-2025.png\")
<\/a><\/figure>\n