{"id":700,"date":"2022-11-22T12:44:57","date_gmt":"2022-11-22T12:44:57","guid":{"rendered":"https:\/\/www.uaefuture.org\/?p=700"},"modified":"2022-11-22T12:44:57","modified_gmt":"2022-11-22T12:44:57","slug":"%d9%8a%d9%85%d9%83%d9%86-%d9%84%d9%84%d8%a3%d9%85%d8%b1%d9%8a%d9%83%d9%8a%d9%8a%d9%86-%d8%aa%d9%88%d9%81%d9%8a%d8%b1-%d8%a7%d9%84%d9%83%d8%ab%d9%8a%d8%b1-%d9%85%d9%86-%d8%a7%d9%84%d9%85%d8%a7%d9%84","status":"publish","type":"post","link":"https:\/\/www.uaefuture.org\/?p=700","title":{"rendered":"\u064a\u0645\u0643\u0646 \u0644\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u064a\u0646 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0625\u0630\u0627 \u0623\u0631\u062f\u0646\u0627 \u0630\u0644\u0643 \u060c \u0641\u0644\u0627 \u062a\u0642\u0644\u0642!"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>\u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u0648\u0628\u0627\u0621 \u060c \u062a\u0639\u0644\u0645\u0646\u0627 \u0623\u0646 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u064a\u0646 \u064a\u0645\u0643\u0646\u0647\u0645 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0625\u0630\u0627 \u0623\u0631\u062f\u0646\u0627 \u0630\u0644\u0643.  \u0623\u0644\u0642 \u0646\u0638\u0631\u0629 \u0639\u0644\u0649 \u0645\u062e\u0637\u0637 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0634\u062e\u0635\u064a \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a \u0627\u0644\u062a\u0627\u0631\u064a\u062e\u064a \u0648\u0641\u0642\u064b\u0627 \u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a \u0648 <a href=\"https:\/\/fred.stlouisfed.org\/series\/PSAVERT\" target=\"_blank\" rel=\"noreferrer noopener\">\u0633\u0627\u0646\u062a \u0644\u0648\u064a\u0633 \u0641\u064a\u062f<\/a>. <\/p>\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" alt=\"\u0627\u0644\u0646\u0633\u0628 \u0627\u0644\u0645\u0626\u0648\u064a\u0629 \u0644\u0645\u062e\u0637\u0637 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0634\u062e\u0635\u064a \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\" class=\"wp-image-210430\" width=\"720\" srcset=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/personal-saving-rate-chart-11-21-2022.png?fit=1456,9999 2289w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/personal-saving-rate-chart-11-21-2022-350x130.png?fit=1456,9999 350w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/personal-saving-rate-chart-11-21-2022-728x271.png?fit=1456,9999 728w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/personal-saving-rate-chart-11-21-2022-768x286.png?fit=1456,9999 768w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/personal-saving-rate-chart-11-21-2022-1536x572.png?fit=1456,9999 1536w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/personal-saving-rate-chart-11-21-2022-2048x763.png?fit=1456,9999 2048w\" data-lazy-sizes=\"(max-width: 2289px) 100vw, 2289px\" src=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/personal-saving-rate-chart-11-21-2022.png?fit=1456,9999\"\/><noscript><img decoding=\"async\" src=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/personal-saving-rate-chart-11-21-2022.png\" alt=\"\u0627\u0644\u0646\u0633\u0628 \u0627\u0644\u0645\u0626\u0648\u064a\u0629 \u0644\u0645\u062e\u0637\u0637 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0634\u062e\u0635\u064a \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\" class=\"wp-image-210430\" width=\"720\" srcset=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/personal-saving-rate-chart-11-21-2022.png?fit=1456,9999 2289w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/personal-saving-rate-chart-11-21-2022-350x130.png?fit=1456,9999 350w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/personal-saving-rate-chart-11-21-2022-728x271.png?fit=1456,9999 728w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/personal-saving-rate-chart-11-21-2022-768x286.png?fit=1456,9999 768w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/personal-saving-rate-chart-11-21-2022-1536x572.png?fit=1456,9999 1536w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/personal-saving-rate-chart-11-21-2022-2048x763.png?fit=1456,9999 2048w\" sizes=\"(max-width: 2289px) 100vw, 2289px\"\/><\/noscript><\/figure>\n<p>\u0628\u0639\u062f \u0628\u062f\u0621 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0625\u063a\u0644\u0627\u0642 \u0641\u064a 18 \u0645\u0627\u0631\u0633 2020 \u060c \u0642\u0641\u0632 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0634\u062e\u0635\u064a \u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0645\u0646 9.3\u066a \u0645\u062d\u062a\u0631\u0645\u0629 \u0641\u064a \u0641\u062a\u0631\u0629 \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u062c\u0627\u0626\u062d\u0629 \u0625\u0644\u0649 33.8\u066a \u0641\u064a \u0623\u0628\u0631\u064a\u0644 2020!  \u0642\u0631\u0631 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0648\u0646 \u0641\u062c\u0623\u0629 \u0623\u0646 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0627\u0644 \u0641\u064a \u0648\u0642\u062a \u064a\u0633\u0648\u062f \u0641\u064a\u0647 \u0642\u062f\u0631 \u0643\u0628\u064a\u0631 \u0645\u0646 \u0639\u062f\u0645 \u0627\u0644\u064a\u0642\u064a\u0646 \u0643\u0627\u0646 \u0623\u0648\u0644\u0648\u064a\u0629.  \u0644\u0630\u0644\u0643 \u0647\u0630\u0627 \u0645\u0627 \u0641\u0639\u0644\u0646\u0627\u0647.<\/p>\n<p>\u0639\u0646\u062f\u0645\u0627 \u0628\u062f\u0623\u062a \u0627\u0644\u0635\u062f\u0645\u0629 \u0627\u0644\u0623\u0648\u0644\u064a\u0629 \u0644\u0644\u0648\u0628\u0627\u0621 \u0644\u0645\u062f\u0629 \u0633\u062a\u0629 \u0623\u0634\u0647\u0631 \u062a\u062a\u0644\u0627\u0634\u0649 \u060c \u0642\u0631\u0631 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0648\u0646 \u062e\u0641\u0636 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0644\u062f\u064a\u0646\u0627 \u0625\u0644\u0649 13.3\u066a \u0641\u064a \u0646\u0648\u0641\u0645\u0628\u0631 2020. \u062b\u0645 \u060c \u0639\u0646\u062f\u0645\u0627 \u0638\u0647\u0631\u062a \u0623\u062e\u0628\u0627\u0631 \u0639\u0646 \u0633\u0644\u0627\u0644\u0629 \u062c\u062f\u064a\u062f\u0629 \u0645\u0646 COVID \u0641\u064a \u0628\u062f\u0627\u064a\u0629 \u0639\u0627\u0645 2021 \u060c \u0642\u0631\u0631 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0648\u0646 \u0632\u064a\u0627\u062f\u0629 \u0645\u0631\u0629 \u0623\u062e\u0631\u0649 \u060c \u0648\u0635\u0644 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0644\u062f\u064a\u0646\u0627 \u0625\u0644\u0649 26.3\u066a \u0641\u064a \u0623\u0628\u0631\u064a\u0644 2021. <\/p>\n<p>\u0645\u0646\u0630 \u0623\u0628\u0631\u064a\u0644 2021 \u060c \u0627\u0646\u062e\u0641\u0636 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0634\u062e\u0635\u064a \u0628\u0634\u0643\u0644 \u0645\u0637\u0631\u062f \u0628\u0641\u0636\u0644 \u0627\u0644\u0644\u0642\u0627\u062d\u0627\u062a \u0648\u0627\u0644\u062e\u0628\u0631\u0629 \u0648\u0631\u063a\u0628\u0629 \u0645\u0639\u0638\u0645\u0646\u0627 \u0641\u064a \u0645\u0648\u0627\u0635\u0644\u0629 \u062d\u064a\u0627\u062a\u0646\u0627. <\/p>\n<p>\u064a\u0628\u0644\u063a \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0634\u062e\u0635\u064a \u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0627\u0644\u064a\u0648\u0645 \u062d\u0648\u0627\u0644\u064a 3.1\u066a \u060c \u0648\u0647\u0648 \u0645\u0633\u062a\u0648\u0649 \u0645\u0646\u062e\u0641\u0636 \u0644\u0645 \u0646\u0634\u0647\u062f\u0647 \u0645\u0646\u0630 \u064a\u0646\u0627\u064a\u0631 2008. <\/p>\n<p><span id=\"more-210428\"\/><\/p>\n<h2 id=\"h-americans-can-save-more-if-we-want-or-need-to\">\u064a\u0645\u0643\u0646 \u0644\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u064a\u0646 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0632\u064a\u062f \u0625\u0630\u0627 \u0623\u0631\u062f\u0646\u0627 \u0630\u0644\u0643 \u0623\u0648 \u0627\u062d\u062a\u062c\u0646\u0627 \u0625\u0644\u064a\u0647<\/h2>\n<p>\u0645\u0646\u0630 \u0639\u0627\u0645 2009 \u060c \u0639\u0646\u062f\u0645\u0627 \u0628\u062f\u0623\u062a \u0627\u0644\u0643\u062a\u0627\u0628\u0629 \u0644\u0623\u0648\u0644 \u0645\u0631\u0629 \u0641\u064a Monetary Samurai \u060c \u0644\u0627\u062d\u0638\u062a \u0623\u0646 \u0628\u0639\u0636 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u064a\u062d\u0628\u0648\u0646 \u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0648\u0636\u0639 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0634\u062e\u0635\u064a \u0644\u0623\u0645\u0631\u064a\u0643\u0627.  \u0643\u0646\u062a \u0648\u0627\u062d\u062f\u064b\u0627 \u0645\u0646\u0647\u0645 \u060c \u0645\u0639 \u0645\u0646\u0634\u0648\u0631\u0627\u062a \u0645\u062b\u0644 <a href=\"https:\/\/www.financialsamurai.com\/how-much-have-americans-saved-for-retirement\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0645\u062f\u062e\u0631\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u062d\u0633\u0628 \u0627\u0644\u0639\u0645\u0631 \u062a\u0638\u0647\u0631 \u0633\u0628\u0628 \u0641\u0633\u0627\u062f\u0646\u0627<\/a>.<\/p>\n<p>\u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0648\u0642\u062a \u060c \u0642\u0644\u062a \u0644\u0646\u0641\u0633\u064a: <em>\u0643\u064a\u0641 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0645\u0628\u0644\u063a \u0645\u062f\u062e\u0631\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0644\u0645\u0646 \u062a\u062a\u0631\u0627\u0648\u062d \u0623\u0639\u0645\u0627\u0631\u0647\u0645 \u0628\u064a\u0646 32 \u0648 37 \u0639\u0627\u0645\u064b\u0627 480 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0641\u0642\u0637 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u064a\u0627\u0646\u0627\u062a 2013\u061f<\/em> \u0648\u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0646\u0641\u0633\u0647 \u060c \u0643\u0627\u0646 \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0645\u0628\u0644\u063a \u0645\u062f\u062e\u0631\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0644\u0645\u0646 \u062a\u062a\u0631\u0627\u0648\u062d \u0623\u0639\u0645\u0627\u0631\u0647\u0645 \u0628\u064a\u0646 56 \u0648 61 \u0639\u0627\u0645\u064b\u0627 17000 \u062f\u0648\u0644\u0627\u0631 \u0641\u0642\u0637. <\/p>\n<p>\u062d\u062a\u0649 \u0644\u0648 \u0636\u0627\u0639\u0641\u0646\u0627 \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0623\u0631\u0628\u0639 \u0645\u0631\u0627\u062a \u0644\u0639\u0627\u0645 2022 \u0648\u0645\u0627 \u0628\u0639\u062f\u0647 \u060c \u0641\u0625\u0646 \u0645\u0628\u0627\u0644\u063a \u0645\u062f\u062e\u0631\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0644\u0627 \u062a\u0643\u0641\u064a \u0644\u0644\u0639\u064a\u0634 \u0628\u0623\u0633\u0644\u0648\u0628 \u062d\u064a\u0627\u0629 \u062a\u0642\u0627\u0639\u062f \u0645\u0631\u064a\u062d. <\/p>\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" alt=\"\u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0645\u062f\u062e\u0631\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u062d\u0633\u0628 \u0627\u0644\u0639\u0645\u0631\" class=\"wp-image-210442\" width=\"720\" srcset=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-retirement-account-savings-of-families-by-age.jpeg 728w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-retirement-account-savings-of-families-by-age-350x270.jpeg 350w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-retirement-account-savings-of-families-by-age-648x500.jpeg 648w\" data-lazy-sizes=\"(max-width: 728px) 100vw, 728px\" src=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-retirement-account-savings-of-families-by-age.jpeg\"\/><noscript><img decoding=\"async\" src=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-retirement-account-savings-of-families-by-age.jpeg\" alt=\"\u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0645\u062f\u062e\u0631\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u062d\u0633\u0628 \u0627\u0644\u0639\u0645\u0631\" class=\"wp-image-210442\" width=\"720\" srcset=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-retirement-account-savings-of-families-by-age.jpeg 728w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-retirement-account-savings-of-families-by-age-350x270.jpeg 350w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-retirement-account-savings-of-families-by-age-648x500.jpeg 648w\" sizes=\"(max-width: 728px) 100vw, 728px\"\/><\/noscript><\/figure>\n<p>\u0644\u0642\u062f \u062a\u0645 \u0625\u0637\u0644\u0627\u0642 \u0646\u0634\u0627\u0637\u064a \u0644\u0643\u062a\u0627\u0628\u0629 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0642\u0627\u0644\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0625\u0644\u0649 <a href=\"https:\/\/www.financialsamurai.com\/how-much-savings-should-i-have-accumulated-by-age\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u062a\u0633\u0627\u0639\u062f \u0627\u0644\u0646\u0627\u0633 \u0639\u0644\u0649 \u0627\u0644\u0627\u062f\u062e\u0627\u0631<\/a> \u0648\u064a\u0633\u062a\u062b\u0645\u0631\u0648\u0646 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0623\u062c\u0644 \u0645\u0633\u062a\u0642\u0628\u0644\u0647\u0645.  \u0644\u0643\u0646 \u0645\u0627 \u0623\u062f\u0631\u0643\u0647 \u0627\u0644\u0622\u0646 \u0647\u0648 \u0623\u0646\u0646\u064a \u0628\u0628\u0633\u0627\u0637\u0629 \u0644\u0645 \u0623\u0639\u0634 \u0637\u0648\u064a\u0644\u0627\u064b \u0628\u0645\u0627 \u064a\u0643\u0641\u064a \u0644\u0623\u0631\u0649 \u0643\u064a\u0641 \u064a\u0645\u0643\u0646 \u0644\u0644\u0646\u0627\u0633 \u0627\u0644\u062a\u0643\u064a\u0641 \u0628\u0634\u0643\u0644 \u062c\u064a\u062f.  <\/p>\n<p>\u0644\u0642\u062f \u0645\u0631 \u0645\u0627 \u064a\u0642\u0631\u0628 \u0645\u0646 \u0639\u0642\u062f \u0645\u0646 \u0627\u0644\u0632\u0645\u0627\u0646 \u0648\u0644\u0645 \u064a\u0641\u0644\u062a \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a \u0627\u0644\u0645\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0639\u0627\u062f\u064a.  \u0646\u062d\u0646 \u0644\u0627 \u0646\u0633\u0645\u0639 \u0639\u0646 \u0623\u0632\u0645\u0629 \u062a\u0642\u0627\u0639\u062f \u062d\u064a\u062b \u064a\u062a\u0645 \u0625\u0644\u0642\u0627\u0621 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0630\u064a\u0646 \u062a\u0632\u064a\u062f \u0623\u0639\u0645\u0627\u0631\u0647\u0645 \u0639\u0646 60 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0627\u0644\u0634\u0648\u0627\u0631\u0639 \u0644\u0623\u0646\u0647\u0645 \u0644\u0627 \u064a\u0645\u0644\u0643\u0648\u0646 \u0645\u0627 \u064a\u0643\u0641\u064a \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0641\u0639 \u0641\u0648\u0627\u062a\u064a\u0631\u0647\u0645.<\/p>\n<p>\u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0630\u0644\u0643 \u060c \u0623\u0635\u0628\u062d \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a \u0627\u0644\u0639\u0627\u062f\u064a \u0623\u0643\u062b\u0631 \u062b\u0631\u0627\u0621\u064b.  \u0646\u062d\u0646 <a href=\"https:\/\/www.financialsamurai.com\/solving-happiness-things-that-will-make-you-happier-and-wealthier\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0642\u062f \u0644\u0627 \u064a\u0643\u0648\u0646 \u0623\u0643\u062b\u0631 \u0633\u0639\u0627\u062f\u0629<\/a>\u060c \u0648\u0644\u0643\u0646 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0643\u0643\u0644 \u0646\u062d\u0646 \u0623\u0643\u062b\u0631 \u0623\u0645\u0627\u0646\u064b\u0627 \u0645\u0646 \u0627\u0644\u0646\u0627\u062d\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0645\u0627 \u0643\u0646\u0627 \u0639\u0644\u064a\u0647 \u0641\u064a \u0627\u0644\u0645\u0627\u0636\u064a. <\/p>\n<h2>\u0644\u0645\u0627\u0630\u0627 \u064a\u0642\u0648\u0645 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0648\u0646 \u0628\u0639\u0645\u0644 \u062c\u064a\u062f\u061f <\/h2>\n<p>\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0645\u0628\u0627\u0644\u063a \u0645\u062f\u062e\u0631\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u062a\u0627\u0641\u0647\u0629 \u060c \u0641\u0625\u0646 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a \u0627\u0644\u0639\u0627\u062f\u064a \u064a\u0639\u0645\u0644 \u0628\u0634\u0643\u0644 \u062c\u064a\u062f. <\/p>\n<p>\u0644\u0642\u062f \u0627\u0633\u062a\u0641\u0627\u062f \u063a\u0627\u0644\u0628\u064a\u0629 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u064a\u0646 \u0645\u0646 \u0627\u0644\u0627\u0631\u062a\u0641\u0627\u0639 \u063a\u064a\u0631 \u0627\u0644\u0639\u0627\u062f\u064a \u0641\u064a \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0645\u0633\u0627\u0643\u0646 \u0645\u0646\u0630 \u0639\u0627\u0645 2013. \u0645\u0632\u064a\u062c \u0645\u0646 \u0627\u0631\u062a\u0641\u0627\u0639 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0645\u0633\u0627\u0643\u0646 \u060c \u0648\u0627\u0631\u062a\u0641\u0627\u0639 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629 \u060c \u0648\u062a\u0631\u0627\u062c\u0639 \u0623\u0631\u0635\u062f\u0629 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0647\u0648 \u0645\u0643\u0633\u0628 \u0643\u0628\u064a\u0631 \u0644\u0644 <a href=\"https:\/\/www.financialsamurai.com\/what-percentage-of-americans-own-stocks-or-real-estate\/\" target=\"_blank\" rel=\"noreferrer noopener\">~ 68\u066a \u0645\u0646 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u064a\u0646 \u064a\u0645\u062a\u0644\u0643\u0648\u0646 \u0639\u0642\u0627\u0631\u0627\u062a<\/a>.  <\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"450\" alt=\"\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u0632\u0644 - \u0644\u0645\u0627\u0630\u0627 \u064a\u0628\u0644\u064a \u0627\u0644\u0623\u0645\u064a\u0631\u0643\u064a\u0648\u0646 \u0628\u0647\u0630\u0627 \u0627\u0644\u0634\u0643\u0644 \u0627\u0644\u062c\u064a\u062f\" class=\"wp-image-95996\" srcset=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2020\/02\/home-equity.png?fit=1456,9999 600w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2020\/02\/home-equity-350x263.png?fit=1456,9999 350w\" data-lazy-sizes=\"(max-width: 600px) 100vw, 600px\" src=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2020\/02\/home-equity.png?fit=1456,9999\"\/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"450\" src=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2020\/02\/home-equity.png\" alt=\"\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u0632\u0644 - \u0644\u0645\u0627\u0630\u0627 \u064a\u0628\u0644\u064a \u0627\u0644\u0623\u0645\u064a\u0631\u0643\u064a\u0648\u0646 \u0628\u0647\u0630\u0627 \u0627\u0644\u0634\u0643\u0644 \u0627\u0644\u062c\u064a\u062f\" class=\"wp-image-95996\" srcset=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2020\/02\/home-equity.png?fit=1456,9999 600w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2020\/02\/home-equity-350x263.png?fit=1456,9999 350w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\"\/><\/noscript><\/figure>\n<figure class=\"wp-block-image size-full is-resized\"><a href=\"https:\/\/fred.stlouisfed.org\/series\/MSPUS\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" alt=\"\u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0645\u0633\u0627\u0643\u0646 - \u0644\u0645\u0627\u0630\u0627 \u064a\u0639\u0645\u0644 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0648\u0646 \u062c\u064a\u062f\u064b\u0627\" class=\"wp-image-210541\" width=\"720\" srcset=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-sales-price-of-houses.png?fit=1456,9999 2292w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-sales-price-of-houses-350x130.png?fit=1456,9999 350w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-sales-price-of-houses-728x270.png?fit=1456,9999 728w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-sales-price-of-houses-768x284.png?fit=1456,9999 768w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-sales-price-of-houses-1536x569.png?fit=1456,9999 1536w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-sales-price-of-houses-2048x759.png?fit=1456,9999 2048w\" data-lazy-sizes=\"(max-width: 2292px) 100vw, 2292px\" src=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-sales-price-of-houses.png?fit=1456,9999\"\/><noscript><img decoding=\"async\" src=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-sales-price-of-houses.png\" alt=\"\u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0645\u0633\u0627\u0643\u0646 - \u0644\u0645\u0627\u0630\u0627 \u064a\u0639\u0645\u0644 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0648\u0646 \u062c\u064a\u062f\u064b\u0627\" class=\"wp-image-210541\" width=\"720\" srcset=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-sales-price-of-houses.png?fit=1456,9999 2292w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-sales-price-of-houses-350x130.png?fit=1456,9999 350w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-sales-price-of-houses-728x270.png?fit=1456,9999 728w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-sales-price-of-houses-768x284.png?fit=1456,9999 768w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-sales-price-of-houses-1536x569.png?fit=1456,9999 1536w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/median-sales-price-of-houses-2048x759.png?fit=1456,9999 2048w\" sizes=\"(max-width: 2292px) 100vw, 2292px\"\/><\/noscript><\/a><\/figure>\n<p>\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0640 32\u066a \u0645\u0646 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u0644\u0627 \u064a\u0645\u062a\u0644\u0643\u0648\u0646 \u0639\u0642\u0627\u0631\u0627\u062a \u060c \u0641\u0625\u0646 \u0627\u0644\u0627\u0639\u062a\u0642\u0627\u062f \u0627\u0644\u0633\u0627\u0626\u062f \u0647\u0648 \u0623\u0646 \u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631\u064a\u0646 \u064a\u062f\u062e\u0631\u0648\u0646 \u0648\u064a\u0633\u062a\u062b\u0645\u0631\u0648\u0646 \u0627\u0644\u0641\u0631\u0642.  \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u060c \u0641\u0625\u0646 \u0646\u0633\u0628\u0629 \u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0623\u0633\u0647\u0645 \u0628\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631\u064a\u0646 \u0642\u062f \u062a\u0643\u0648\u0646 \u0623\u0643\u0628\u0631 \u0645\u0646 \u0646\u0633\u0628\u0629 56\u066a \u0627\u0644\u0645\u0642\u062f\u0631\u0629 \u0644\u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0645\u062a\u0644\u0643\u0648\u0646 \u0623\u0633\u0647\u0645\u064b\u0627.  \u0634\u0647\u062f\u062a \u0627\u0644\u0623\u0633\u0647\u0645 \u0623\u064a\u0636\u064b\u0627 \u0623\u062f\u0627\u0621\u064b \u0631\u0627\u0626\u0639\u064b\u0627 \u0645\u0646\u0630 \u062a\u0642\u0631\u064a\u0631 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0644\u0639\u0627\u0645 2013.<\/p>\n<p>\u0643\u0645\u0627 \u0627\u0646\u062e\u0641\u0636 \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u062f\u062e\u0644 \u0627\u0644\u0623\u0633\u0631\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a \u0641\u064a \u0639\u0627\u0645 2012 \u0639\u0646\u062f \u062d\u0648\u0627\u0644\u064a 60 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631.  \u0641\u064a \u0639\u0627\u0645 2021 \u060c <a href=\"https:\/\/fred.stlouisfed.org\/series\/MEHOINUSA672N\" target=\"_blank\" rel=\"noreferrer noopener\">\u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u062f\u062e\u0644 \u0627\u0644\u0623\u0633\u0631\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a<\/a> \u0628\u0644\u063a \u0630\u0631\u0648\u062a\u0647 \u0639\u0646\u062f \u062d\u0648\u0627\u0644\u064a 71000 \u062f\u0648\u0644\u0627\u0631.  <\/p>\n<figure class=\"wp-block-image size-full is-resized\"><a href=\"https:\/\/fred.stlouisfed.org\/series\/MEHOINUSA672N\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" alt=\"\u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u062f\u062e\u0644 \u0627\u0644\u0623\u0633\u0631\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a \" class=\"wp-image-210545\" width=\"720\" srcset=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/real-median-household-income.png?fit=1456,9999 2298w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/real-median-household-income-350x129.png?fit=1456,9999 350w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/real-median-household-income-728x268.png?fit=1456,9999 728w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/real-median-household-income-768x283.png?fit=1456,9999 768w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/real-median-household-income-1536x565.png?fit=1456,9999 1536w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/real-median-household-income-2048x754.png?fit=1456,9999 2048w\" data-lazy-sizes=\"(max-width: 2298px) 100vw, 2298px\" src=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/real-median-household-income.png?fit=1456,9999\"\/><noscript><img decoding=\"async\" src=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/real-median-household-income.png\" alt=\"\u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u062f\u062e\u0644 \u0627\u0644\u0623\u0633\u0631\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a \" class=\"wp-image-210545\" width=\"720\" srcset=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/real-median-household-income.png?fit=1456,9999 2298w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/real-median-household-income-350x129.png?fit=1456,9999 350w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/real-median-household-income-728x268.png?fit=1456,9999 728w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/real-median-household-income-768x283.png?fit=1456,9999 768w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/real-median-household-income-1536x565.png?fit=1456,9999 1536w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/real-median-household-income-2048x754.png?fit=1456,9999 2048w\" sizes=\"(max-width: 2298px) 100vw, 2298px\"\/><\/noscript><\/a><\/figure>\n<p>\u0623\u062e\u064a\u0631\u064b\u0627 \u060c \u0643\u0627\u0646\u062a \u0643\u0644 \u0645\u0646 \u0627\u0644\u062d\u0643\u0648\u0645\u0627\u062a \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a\u0629 \u0648\u062d\u0643\u0648\u0645\u0627\u062a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u062f\u0627\u0639\u0645\u0629 \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u0648\u0628\u0627\u0621.  \u0644\u0642\u062f \u0642\u0627\u0645\u0648\u0627 \u0628\u0636\u062e \u062a\u0631\u064a\u0644\u064a\u0648\u0646\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u0627\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0645\u0646 \u062e\u0644\u0627\u0644 \u0634\u064a\u0643\u0627\u062a \u0627\u0644\u062a\u062d\u0641\u064a\u0632 \u0648\u0642\u0631\u0648\u0636 \u0627\u0644\u0634\u0631\u0627\u0643\u0629 \u0628\u064a\u0646 \u0627\u0644\u0642\u0637\u0627\u0639\u064a\u0646 \u0627\u0644\u0639\u0627\u0645 \u0648\u0627\u0644\u062e\u0627\u0635 \u0648\u063a\u064a\u0631 \u0630\u0644\u0643. <\/p>\n<h2>\u0646\u0633\u0628\u0629 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0645\u0648\u0635\u0649 \u0628\u0647\u0627 \u0644\u0644\u062d\u0631\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 <\/h2>\n<p>\u0639\u0646\u062f\u0645\u0627 \u064a\u0633\u0623\u0644\u0646\u064a \u0623\u062d\u062f\u0647\u0645 \u0639\u0646 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u0639\u0644\u064a\u0647 \u062a\u0648\u0641\u064a\u0631\u0647 \u0644\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062d\u0631\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u060c \u0641\u0625\u0646 \u0625\u062c\u0627\u0628\u062a\u064a \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629 \u0647\u064a <strong>50\u066a <\/strong>\u0645\u0646 \u062f\u062e\u0644\u0643 \u0628\u0639\u062f \u062e\u0635\u0645 \u0627\u0644\u0636\u0631\u0627\u0626\u0628. <\/p>\n<p>\u064a\u0639\u0646\u064a \u0645\u0639\u062f\u0644 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0628\u0646\u0633\u0628\u0629 50\u066a \u0623\u0646 \u0643\u0644 \u0639\u0627\u0645 \u062a\u062f\u062e\u0631\u0647 \u0647\u0648 \u0639\u0627\u0645 \u0648\u0627\u062d\u062f \u0645\u0646 \u0634\u0631\u0627\u0621 \u0627\u0644\u062d\u0631\u064a\u0629.  \u0648\u0641\u0631 50\u066a \u0644\u0645\u062f\u0629 20 \u0639\u0627\u0645\u064b\u0627 \u0648\u0627\u0634\u062a\u0631\u064a\u062a \u0644\u0646\u0641\u0633\u0643 20 \u0639\u0627\u0645\u064b\u0627 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u062e\u0644\u0641\u064a\u0629.  \u0627\u0644\u0631\u064a\u0627\u0636\u064a\u0627\u062a \u0628\u062f\u064a\u0647\u064a\u0629 \u0648\u0633\u0647\u0644\u0629.<\/p>\n<p>\u0627\u0644\u0625\u062c\u0627\u0628\u0629 \u0627\u0644\u0623\u0643\u062b\u0631 \u062f\u0642\u0629 \u0627\u0644\u0645\u0648\u0635\u0649 \u0628\u0647\u0627 \u0644\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0646\u0633\u0628\u0629 \u0627\u0644\u0645\u0626\u0648\u064a\u0629 \u0647\u064a \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u062c\u0645\u064a\u0639 <a href=\"https:\/\/www.financialsamurai.com\/how-much-should-one-have-in-their-401k-at-different-ages\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0645\u0646 \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0645\u0646\u0648\u062d\u0629 \u0645\u0646 \u0627\u0644\u0636\u0631\u0627\u0626\u0628<\/a>.  \u0628\u0645\u062c\u0631\u062f \u0623\u0646 \u064a\u062a\u0645 \u0630\u0644\u0643 \u060c \u0627\u062d\u0641\u0638 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 <strong>20\u066a<\/strong> \u0645\u0646 \u062f\u062e\u0644 \u0645\u0633\u0627\u0647\u0645\u0627\u062a\u0643 \u0628\u0639\u062f \u062e\u0635\u0645 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0648\u0628\u0639\u062f \u0627\u0644\u062a\u0642\u0627\u0639\u062f. <\/p>\n<p>\u064a\u062c\u0628 \u0623\u0646 \u064a\u0635\u0628\u062d \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 401 (\u0643) \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627.  \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u062a\u0631\u0643\u064a\u0632\u0643 \u0639\u0644\u0649 \u0628\u0646\u0627\u0621 \u0628\u062d\u062c\u0645 \u0643\u0628\u064a\u0631 \u0645\u0646 <a href=\"https:\/\/www.financialsamurai.com\/after-tax-investment-amounts-by-age-to-retire-early\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0644\u0636\u0631\u064a\u0628\u0629<\/a> \u0628\u0642\u062f\u0631 \u0627\u0644\u0625\u0645\u0643\u0627\u0646.  \u0625\u0646 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643 \u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0644\u0636\u0631\u064a\u0628\u0629 \u0647\u064a \u0627\u0644\u062a\u064a \u0633\u062a\u0628\u0635\u0642 \u0628\u0645\u0627 \u0641\u064a\u0647 \u0627\u0644\u0643\u0641\u0627\u064a\u0629 <a href=\"https:\/\/www.financialsamurai.com\/ranking-the-best-passive-income-investments\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0633\u0644\u0628\u064a<\/a> \u062d\u062a\u0649 \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u0627\u0644\u0639\u064a\u0634 \u0628\u062d\u0631\u064a\u0629 \u0623\u0643\u0628\u0631. <\/p>\n<p>\u0633\u064a\u062a\u0645 \u062a\u062d\u062f\u064a\u062f \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062f\u062e\u0644\u0643 \u0648\u0646\u0641\u0642\u0627\u062a\u0643.  \u0644\u0643\u0646 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0633\u064a\u062a\u0645 \u062a\u062d\u062f\u064a\u062f\u0647 \u0623\u064a\u0636\u064b\u0627 \u0628\u0648\u0627\u0633\u0637\u0629 <em>\u0625\u0644\u0649 \u0623\u064a \u0645\u062f\u0649 \u062a\u0631\u064a\u062f \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0645\u0628\u0643\u0631\u064b\u0627 \u0648\u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0634\u064a\u0621 \u062c\u062f\u064a\u062f<\/em>.  \u0643\u0645\u0627 \u0631\u0623\u064a\u0646\u0627 \u0641\u064a \u0645\u062e\u0637\u0637 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0634\u062e\u0635\u064a \u0645\u0646 \u0642\u0628\u0644 \u0628\u0646\u0643 \u0633\u0627\u0646\u062a \u0644\u0648\u064a\u0633 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a \u060c \u064a\u0645\u0643\u0646\u0646\u0627 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0632\u064a\u062f \u0625\u0630\u0627 \u0643\u0646\u0627 \u0646\u0631\u064a\u062f \u0630\u0644\u0643 \u062d\u0642\u064b\u0627. <\/p>\n<h2 id=\"h-financial-freedom-saving-rate-recommendation-chart\">\u0645\u062e\u0637\u0637 \u062a\u0648\u0635\u064a\u0629 \u0645\u0639\u062f\u0644 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u062d\u0631\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/h2>\n<p>\u0647\u0627 \u0647\u0648 \u0645\u062e\u0637\u0637 \u0645\u0639\u062f\u0644 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u062d\u0631\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062e\u0627\u0635 \u0628\u064a \u0645\u0646 <a href=\"https:\/\/www.financialsamurai.com\/btnt\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0634\u0631\u0627\u0621 \u0647\u0630\u0627 \u0644\u064a\u0633 \u0647\u0630\u0627.<\/a> \u0643\u0644\u0645\u0627 \u0627\u0631\u062a\u0641\u0639 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0644\u062f\u064a\u0643 \u060c \u0643\u0644\u0645\u0627 \u0623\u0633\u0631\u0639\u062a \u0641\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0648\u0642\u062a \u0641\u0631\u0627\u063a.<\/p>\n<p>\u064a\u062d\u062a\u0648\u064a \u0643\u062a\u0627\u0628\u064a \u0639\u0644\u0649 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0645\u062e\u0637\u0637\u0627\u062a \u0643\u062f\u0644\u064a\u0644 \u0645\u0627\u0644\u064a \u0644\u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0639\u0644\u0649 \u0628\u0646\u0627\u0621 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u062b\u0631\u0648\u0629 \u0628\u0637\u0631\u064a\u0642\u0629 \u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u0644\u0645\u062e\u0627\u0637\u0631.  \u0639\u0646\u062f\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0627\u0644\u0623\u0645\u0631 \u0628\u0623\u0645\u0648\u0627\u0644\u0643 \u060c \u0641\u0644\u0627 \u062a\u0643\u062a\u0641\u064a \u0628\u0630\u0644\u0643.  \u0643\u0646 \u0641\u0648\u0642 \u0623\u0645\u0648\u0627\u0644\u0643.<\/p>\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" alt=\"\u0645\u062e\u0637\u0637 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0645\u0648\u0635\u0649 \u0628\u0647 \u062d\u0633\u0628 \u0627\u0644\u0639\u0645\u0631\" class=\"wp-image-209418\" width=\"720\" srcset=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/financial-freedom-saving-rate-retire-early-chart.png?fit=1456,9999 1498w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/financial-freedom-saving-rate-retire-early-chart-350x265.png?fit=1456,9999 350w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/financial-freedom-saving-rate-retire-early-chart-659x500.png?fit=1456,9999 659w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/financial-freedom-saving-rate-retire-early-chart-768x582.png?fit=1456,9999 768w\" data-lazy-sizes=\"(max-width: 1498px) 100vw, 1498px\" src=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/financial-freedom-saving-rate-retire-early-chart.png?fit=1456,9999\"\/><noscript><img decoding=\"async\" src=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/financial-freedom-saving-rate-retire-early-chart.png\" alt=\"\u0645\u062e\u0637\u0637 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0645\u0648\u0635\u0649 \u0628\u0647 \u062d\u0633\u0628 \u0627\u0644\u0639\u0645\u0631\" class=\"wp-image-209418\" width=\"720\" srcset=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/financial-freedom-saving-rate-retire-early-chart.png?fit=1456,9999 1498w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/financial-freedom-saving-rate-retire-early-chart-350x265.png?fit=1456,9999 350w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/financial-freedom-saving-rate-retire-early-chart-659x500.png?fit=1456,9999 659w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/financial-freedom-saving-rate-retire-early-chart-768x582.png?fit=1456,9999 768w\" sizes=\"(max-width: 1498px) 100vw, 1498px\"\/><\/noscript><\/figure>\n<h2>\u0644\u0627 \u062a\u0639\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u062e\u0631 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a<\/h2>\n<p>\u0644\u0645 \u0623\u0639\u062f \u0623\u0639\u062a\u0642\u062f \u0623\u0646 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a \u0627\u0644\u0639\u0627\u062f\u064a \u0633\u064a\u0648\u0627\u062c\u0647 \u062a\u0642\u0627\u0639\u062f\u064b\u0627 \u0635\u0639\u0628\u064b\u0627.  \u064a\u062a\u0645\u062a\u0639 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646\u0627 \u0628\u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0639\u0646\u062f\u0645\u0627 \u062a\u0631\u0649 \u0627\u0644\u0645\u0648\u0627\u0642\u0641 \u0630\u0644\u0643 \u0636\u0631\u0648\u0631\u064a\u064b\u0627.  \u0633\u0646\u0646\u0641\u0642 \u0623\u064a\u0636\u064b\u0627 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0628\u0639\u0642\u0644\u0627\u0646\u064a\u0629 \u0639\u0646\u062f\u0645\u0627 \u0646\u0634\u0639\u0631 \u0628\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0623\u0645\u0627\u0646. <\/p>\n<p>\u0641\u0643\u0631 \u0641\u064a \u0627\u0644\u0623\u0645\u0631.  \u0625\u0630\u0627 \u0623\u062e\u0628\u0631\u0643 \u0637\u0628\u064a\u0628\u0643 \u0623\u0646 \u0647\u0646\u0627\u0643 \u0641\u0631\u0635\u0629 \u0628\u0646\u0633\u0628\u0629 90\u066a \u0623\u0646 \u062a\u0645\u0648\u062a \u0641\u064a \u063a\u0636\u0648\u0646 \u0639\u0627\u0645 \u0648\u0627\u062d\u062f \u0625\u0630\u0627 \u0644\u0645 \u062a\u0641\u0642\u062f 10 \u0623\u0631\u0637\u0627\u0644 \u0641\u064a \u0627\u0644\u0623\u0634\u0647\u0631 \u0627\u0644\u062b\u0644\u0627\u062b\u0629 \u0627\u0644\u0645\u0642\u0628\u0644\u0629 \u060c \u0623\u0644\u0627 \u062a\u0639\u062a\u0642\u062f \u0623\u0646\u0643 \u0633\u062a\u0641\u0639\u0644 \u0643\u0644 \u0645\u0627 \u0641\u064a \u0648\u0633\u0639\u0643 \u0644\u0625\u0646\u0642\u0627\u0635 \u0648\u0632\u0646\u0643\u061f  \u0633\u064a\u0641\u0639\u0644 \u0645\u0639\u0638\u0645 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0623\u0635\u062d\u0627\u0621. <\/p>\n<p>\u0644\u0627 \u062a\u062d\u0633\u0628 \u0627\u0644\u0625\u0631\u0627\u062f\u0629 \u0627\u0644\u062d\u0631\u0629! <\/p>\n<p>\u064a\u0645\u0643\u0646\u0646\u0627 \u0623\u064a\u0636\u064b\u0627 \u0642\u0628\u0648\u0644 \u0627\u0644\u062c\u062f\u064a\u062f <a href=\"https:\/\/www.financialsamurai.com\/new-three-legged-stool-for-retirement\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0643\u0631\u0633\u064a \u062a\u0642\u0627\u0639\u062f \u062b\u0644\u0627\u062b\u064a \u0627\u0644\u0623\u0631\u062c\u0644<\/a> \u062d\u064a\u062b \u0646\u0639\u062a\u0645\u062f \u0641\u0642\u0637 \u0639\u0644\u0649 \u0623\u0646\u0641\u0633\u0646\u0627 \u0644\u0644\u062a\u0642\u0627\u0639\u062f.  \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u0622\u062e\u0631\u064a\u0646 \u0644\u0625\u0646\u0642\u0627\u0630\u0646\u0627 \u0644\u064a\u0633 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0645\u0627\u0644\u064a\u0629 \u062c\u064a\u062f\u0629!<\/p>\n<p>\u0628\u0639\u062f \u0630\u0644\u0643 \u060c \u0639\u0646\u062f\u0645\u0627 \u0646\u0635\u0644 \u0625\u0644\u0649 \u0633\u0646 \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a \u060c \u064a\u0648\u0641\u0631 \u0644\u0646\u0627 \u0627\u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a &#8220;\u0645\u0643\u0627\u0641\u0623\u0629&#8221; \u0625\u0636\u0627\u0641\u064a\u0629.  \u0627\u0644 <a href=\"https:\/\/www.financialsamurai.com\/social-security-cost-of-living-adjustments\/\">\u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0645\u0646 \u0645\u062e\u0635\u0635\u0627\u062a \u0627\u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a<\/a> \u0623\u0643\u062b\u0631 \u0645\u0646 4200 \u062f\u0648\u0644\u0627\u0631 \u0634\u0647\u0631\u064a\u064b\u0627 \u0641\u064a \u0639\u0627\u0645 2023. \u0628\u0627\u0644\u062a\u0623\u0643\u064a\u062f \u060c \u064a\u0645\u0643\u0646 \u0644\u0645\u0639\u0638\u0645\u0646\u0627 \u0623\u0646 \u064a\u0639\u064a\u0634 \u0628\u063a\u0631\u0627\u0645\u0629 \u0642\u062f\u0631\u0647\u0627 50000 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u0627\u0644\u0633\u0646\u0629 \u0628\u0645\u062c\u0631\u062f \u0633\u062f\u0627\u062f \u0645\u0646\u0627\u0632\u0644\u0646\u0627. <\/p>\n<h2>\u0642\u062f \u0646\u0642\u0648\u0645 \u0628\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0643\u062b\u064a\u0631<\/h2>\n<p>\u0644\u0647\u0648\u0627\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u062e\u0635\u064a \u0645\u0639 <a href=\"https:\/\/www.financialsamurai.com\/the-average-net-worth-for-the-above-average-person\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0623\u0639\u0644\u0649 \u0645\u0646 \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0635\u0627\u0641\u064a \u0627\u0644\u062b\u0631\u0648\u0629<\/a>\u060c \u0645\u0646 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0646 \u0646\u0645\u0648\u062a \u0645\u0639 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0645\u0627\u0644.  \u0645\u0646 \u0627\u0644\u0635\u0639\u0628 \u062a\u063a\u064a\u064a\u0631 \u0639\u0645\u0631 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u0642\u062a\u0635\u062f \u0648\u0627\u0644\u0630\u0643\u0627\u0621.  \u0644\u0630\u0644\u0643 \u060c \u064a\u062c\u0628 \u0623\u0646 \u0646\u0639\u0645\u0644 \u0639\u0644\u0649 <a href=\"https:\/\/www.financialsamurai.com\/the-best-decumulation-age\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u062a\u062e\u0631\u064a\u0628 \u062b\u0631\u0648\u062a\u0646\u0627<\/a> \u062d\u062a\u0649 \u0644\u0627 \u0646\u0636\u064a\u0639 \u0634\u0628\u0627\u0628\u0646\u0627 \u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629. <\/p>\n<p>\u0628\u0627\u0644\u0637\u0628\u0639 \u060c \u0633\u064a\u0643\u0648\u0646 \u0647\u0646\u0627\u0643 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noopener\">\u0643\u062a\u0628 \u0645\u0627\u0644\u064a\u0629 \u0634\u062e\u0635\u064a\u0629 \u0645\u064a\u0633\u0648\u0631\u0629 \u0627\u0644\u062a\u0643\u0644\u0641\u0629<\/a> \u0644\u0644\u0642\u0631\u0627\u0621\u0629 \u060c \u064a\u062a\u062c\u0647 \u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u062e\u0635\u064a \u0625\u0644\u0649 \u0627\u0644\u064a\u0645\u064a\u0646!  \u0627\u0644\u0634\u062e\u0635 \u0627\u0644\u0639\u0627\u062f\u064a \u0633\u0648\u0641 \u064a\u062a\u062e\u0630 \u0628\u0634\u0643\u0644 \u0639\u0642\u0644\u0627\u0646\u064a \u0627\u0644\u062e\u0637\u0648\u0627\u062a \u0627\u0644\u0635\u062d\u064a\u062d\u0629 \u0644\u062a\u062d\u0633\u064a\u0646 \u0648\u0636\u0639 \u062f\u0648\u0646 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0623\u0645\u062b\u0644. <\/p>\n<p>\u062f\u0639\u0646\u0627 \u0646\u0623\u0645\u0644 \u0641\u0642\u0637 \u0623\u0644\u0627 \u064a\u062f\u062e\u0644 \u0627\u0644\u0634\u062e\u0635 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https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/IMG_9146-728x326.jpg?fit=1456,9999 728w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/IMG_9146-768x344.jpg?fit=1456,9999 768w\" data-lazy-sizes=\"(max-width: 1357px) 100vw, 1357px\" src=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/IMG_9146.jpg?fit=1456,9999\"\/><noscript><img decoding=\"async\" src=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/IMG_9146.jpg\" alt=\"\u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0634\u062e\u0635\u064a \u0645\u0642\u0627\u0628\u0644 \u062f\u064a\u0648\u0646 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\" class=\"wp-image-210594\" width=\"720\" srcset=\"https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/IMG_9146.jpg?fit=1456,9999 1357w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/IMG_9146-350x157.jpg?fit=1456,9999 350w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/IMG_9146-728x326.jpg?fit=1456,9999 728w, https:\/\/i2.wp.com\/financialsamurai.com\/wp-content\/uploads\/2022\/11\/IMG_9146-768x344.jpg?fit=1456,9999 768w\" sizes=\"(max-width: 1357px) 100vw, 1357px\"\/><\/noscript><\/figure>\n<h2>\u0623\u0633\u0626\u0644\u0629 \u0648\u062a\u0648\u0635\u064a\u0627\u062a \u0627\u0644\u0642\u0627\u0631\u0626<\/h2>\n<p>\u0627\u0644\u0642\u0631\u0627\u0621 \u060c \u0647\u0644 \u062a\u0639\u062a\u0642\u062f \u0623\u0646 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u064a\u0646 \u064a\u0645\u0643\u0646\u0647\u0645 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0625\u0630\u0627 \u0623\u0631\u062f\u0646\u0627 \u0630\u0644\u0643\u061f  \u0644\u0645\u0627\u0630\u0627 \u062a\u0639\u062a\u0642\u062f \u0623\u0646 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u064a\u0646 \u0644\u0627 \u064a\u062f\u062e\u0631\u0648\u0646 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0643\u0645\u0627 \u064a\u0641\u0639\u0644 \u0645\u0648\u0627\u0637\u0646\u0648 \u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u0623\u062e\u0631\u0649\u061f  \u0647\u0644 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0645\u0646\u062e\u0641\u0636 \u0644\u062f\u064a\u0646\u0627 \u0639\u0644\u0627\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0635\u062d\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u061f  \u0645\u0627 \u0647\u0648 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0634\u062e\u0635\u064a \u0627\u0644\u062e\u0627\u0635 \u0628\u0643\u061f <\/p>\n<p>\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0634\u0631\u0627\u0621 <a href=\"https:\/\/www.financialsamurai.com\/treasury-bonds\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062e\u0632\u064a\u0646\u0629<\/a> \u0645\u0639 \u0645\u062f\u062e\u0631\u0627\u062a\u0643 \u060c \u064a\u0642\u062f\u0645 CIT Financial institution \u0623\u064a\u0636\u064b\u0627 \u0645\u0639\u062f\u0644 CD \u062c\u0630\u0627\u0628 \u0644\u0645\u062f\u0629 18 \u0634\u0647\u0631\u064b\u0627 \u0628\u0646\u0633\u0628\u0629 4.25\u066a.  \u0642\u0628\u0644 \u0623\u0646 \u064a\u0628\u062f\u0623 \u0628\u0646\u0643 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a \u0641\u064a \u0631\u0641\u0639 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0628\u0642\u0648\u0629 \u060c \u0643\u0627\u0646\u062a \u0639\u0648\u0627\u0626\u062f \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062e\u0632\u0627\u0646\u0629 \u0648\u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u0646\u0642\u062f\u064a \u0623\u0642\u0644 \u0645\u0646 1\u066a.  \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 <a href=\"https:\/\/www.financialsamurai.com\/CITCD18Month\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u0642\u0631\u0635 \u0645\u0636\u063a\u0648\u0637 \u0644\u0645\u062f\u0629 18 \u0634\u0647\u0631\u064b\u0627 \u0647\u0646\u0627<\/a> \u0644\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0639\u0648\u0627\u0626\u062f \u0645\u0636\u0645\u0648\u0646\u0629 \u0623\u0639\u0644\u0649. <\/p>\n<p>\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0645\u062d\u062a\u0648\u0649 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u062e\u0635\u064a \u0627\u0644\u062f\u0642\u064a\u0642 \u060c \u0627\u0646\u0636\u0645 \u0625\u0644\u0649 \u0623\u0643\u062b\u0631 \u0645\u0646 55000 \u0622\u062e\u0631\u064a\u0646 \u0648\u0627\u0634\u062a\u0631\u0643 \u0641\u064a <a href=\"https:\/\/www.financialsamurai.com\/newsletter\" target=\"_blank\" rel=\"noreferrer noopener\">\u0646\u0634\u0631\u0629 \u0623\u062e\u0628\u0627\u0631 \u0627\u0644\u0633\u0627\u0645\u0648\u0631\u0627\u064a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062c\u0627\u0646\u064a\u0629<\/a> \u0648 <a href=\"https:\/\/www.financialsamurai.com\/email\" target=\"_blank\" rel=\"noreferrer noopener\">\u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a<\/a>.  Monetary Samurai \u0647\u064a \u0648\u0627\u062d\u062f\u0629 \u0645\u0646 \u0623\u0643\u0628\u0631 \u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u062e\u0635\u064a \u0627\u0644\u0645\u0645\u0644\u0648\u0643\u0629 \u0628\u0634\u0643\u0644 \u0645\u0633\u062a\u0642\u0644 \u0648\u0627\u0644\u062a\u064a \u0628\u062f\u0623\u062a \u0641\u064a \u0639\u0627\u0645 2009. <\/p>\n<p><!--<rdf:RDF xmlns:rdf=\"http:\/\/www.w3.org\/1999\/02\/22-rdf-syntax-ns#\"\n\t\t\txmlns:dc=\"http:\/\/purl.org\/dc\/elements\/1.1\/\"\n\t\t\txmlns:trackback=\"http:\/\/madskills.com\/public\/xml\/rss\/module\/trackback\/\">\n\t\t<rdf:Description rdf:about=\"https:\/\/www.financialsamurai.com\/americans-can-save-a-lot-of-money-if-we-want-to\/\"\n    dc:identifier=\"https:\/\/www.financialsamurai.com\/americans-can-save-a-lot-of-money-if-we-want-to\/\"\n    dc:title=\"Americans Can Save A Lot Of Money If We Want To, Don&#8217;t Worry!\"\n    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\u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a \u0648 \u0633\u0627\u0646\u062a \u0644\u0648\u064a\u0633 \u0641\u064a\u062f. \u0628\u0639\u062f \u0628\u062f\u0621 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0625\u063a\u0644\u0627\u0642 \u0641\u064a 18 \u0645\u0627\u0631\u0633 2020 \u060c \u0642\u0641\u0632 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0634\u062e\u0635\u064a \u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0645\u0646 9.3\u066a \u0645\u062d\u062a\u0631\u0645\u0629 \u0641\u064a \u0641\u062a\u0631\u0629 \u0645\u0627 \u0642\u0628\u0644 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