拖延症的代价
我们中的一些人有着共同的经历. You're driving along when a police cruiser pulls up behind you with its lights flashing. You pull over, the officer gets out, and your heart drops.
“Are you aware the registration on your car has expired?”
You've experienced one of the costs of procrastination.
Procrastination can cause missed deadlines, missed opportunities, and just plain missing out."
Procrastination is avoiding a task that needs to be done—postponing until tomorrow what could be done today. 拖延者会破坏自己. 他们经常在自己的道路上设置障碍. 他们可能会选择不利于自己表现的道路.
尽管马克·吐温有一句著名的俏皮话, “Never put off until tomorrow what you can do the day after tomorrow,“我们知道拖延症是有害的, 无论是个人生活还是职业生涯. Problems with procrastination in the business world have led to a sizable industry in books, 文章, 研讨会, 视频, 以及其他解决这个问题的产品. There are a number of theories about why people procrastinate, 但不管背后的心理是什么, procrastination may cost money—particularly when investments and financial decisions are put off.
As the illustration below shows, putting off investing may put off potential returns.
If you have been meaning to get around to addressing some part of your financial future, 也许是时候制定一个策略了. Don't let procrastination keep you from pursuing your financial goals.
早起者
Let's look at the case of Cindy and Charlie, who each invest $100,000.
Charlie immediately begins depositing $10,000 a year in an account that earns a 6% rate of return. 10年后，他不再存钱了.
辛迪等了十年才开始. 然后她开始AG捕鱼王新版app下载10美元,000 a year for 10 years into an account that also earns a 6% rate of return.
Cindy and Charlie have both invested the same $100,000. 然而, Charlie's balance is higher at the end of 20 years because his account has more time for the investment returns to compound.
This is a hypothetical example of mathematical compounding. It’s used for comparison purposes only and is not intended to represent the past or future performance of any investment. 税es and investment costs were not considered in this example. The results are not a guarantee of performance or specific investment advice. The rate of return on investments will vary over time, particularly for long-term investments. AG捕鱼王新版app下载s that offer the potential for high returns also carry a high degree of risk. 实际回报会波动. The type of strategies illustrated may not be suitable for everyone.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, 国家或证券交易委员会注册的AG捕鱼王新版app下载咨询公司. 所表达的意见和 所提供的资料仅供一般参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 消费品套件.
