{"id":6657,"date":"2023-06-13T02:01:28","date_gmt":"2023-06-13T02:01:28","guid":{"rendered":"https:\/\/massey.edu.vn\/en\/?p=6657"},"modified":"2023-06-13T02:06:20","modified_gmt":"2023-06-13T02:06:20","slug":"5-sai-lam-ve-tai-chinh-cua-the-he-gen-z","status":"publish","type":"post","link":"https:\/\/massey.edu.vn\/en\/5-sai-lam-ve-tai-chinh-cua-the-he-gen-z\/","title":{"rendered":"5 Sai L\u1ea7m V\u1ec1 T\u00e0i Ch\u00ednh C\u1ee7a Th\u1ebf H\u1ec7 Gen Z"},"content":{"rendered":"\t\t
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Th\u1ebf h\u1ec7 Gen Z, c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 “Generation Z” ho\u1eb7c “Gen Z”, \u0111\u1ec1 c\u1eadp \u0111\u1ebfn nh\u00f3m ng\u01b0\u1eddi sinh s\u1ed1ng trong kho\u1ea3ng th\u1eddi gian t\u1eeb cu\u1ed1i nh\u1eefng n\u0103m 1990 \u0111\u1ebfn gi\u1eefa nh\u1eefng n\u0103m 2010.<\/div>
Sau \u0111\u00e2y l\u00e0 5 sai l\u1ea7m v\u1ec1 t\u00e0i ch\u00ednh m\u00e0 \u0111a s\u1ed1 GenZ r\u1ea5t d\u1ec5 m\u1eafc ph\u1ea3i :<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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1. Kh\u00f4ng ti\u1ebft ki\u1ec7m \u0111\u1ee7<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Theo m\u1ed9t kh\u1ea3o s\u00e1t g\u1ea7n \u0111\u00e2y do GoBankingRates ti\u1ebfn h\u00e0nh, 61% Gen-Zers c\u00f3 \u00edt h\u01a1n 1.000 \u0111\u00f4 la ti\u1ebft ki\u1ec7m. S\u1ef1 thi\u1ebfu h\u1ee5t ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 g\u00e2y kh\u00f3 kh\u0103n trong vi\u1ec7c \u0111\u1ed1i ph\u00f3 v\u1edbi nh\u1eefng chi ph\u00ed b\u1ea5t ng\u1edd nh\u01b0 h\u00f3a \u0111\u01a1n y t\u1ebf ho\u1eb7c s\u1eeda ch\u1eefa xe, ch\u01b0a k\u1ec3 vi\u1ec7c ti\u1ebft ki\u1ec7m cho nh\u1eefng m\u1ee5c ti\u00eau l\u1edbn h\u01a1n nh\u01b0 mua nh\u00e0. \u0110\u1ec3 tr\u00e1nh sai l\u1ea7m n\u00e0y, Gen-Zers n\u00ean \u01b0u ti\u00ean ti\u1ebft ki\u1ec7m ti\u1ec1n th\u01b0\u1eddng xuy\u00ean, ngay c\u1ea3 khi s\u1ed1 ti\u1ec1n \u0111\u00f3 ch\u1ec9 l\u00e0 m\u1ed9t s\u1ed1 nh\u1ecf. L\u00fd t\u01b0\u1edfng nh\u1ea5t l\u00e0 10% c\u1ee7a ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a b\u1ea1n n\u00ean \u0111\u01b0\u1ee3c g\u1eedi v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m, v\u00e0 10% c\u00f2n l\u1ea1i n\u00ean \u0111\u01b0\u1ee3c g\u1eedi v\u00e0o qu\u1ef9 kh\u1ea9n c\u1ea5p. Khi b\u1ea1n \u0111\u00e3 ti\u1ebft ki\u1ec7m \u0111\u1ee7 s\u00e1u th\u00e1ng chi ph\u00ed sinh ho\u1ea1t trong qu\u1ef9 kh\u1ea9n c\u1ea5p, 10% n\u00e0y n\u00ean \u0111\u01b0\u1ee3c chuy\u1ec3n th\u1eb3ng v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n. \u0110\u1ec3 \u0111\u1ea3m b\u1ea3o b\u1ea1n kh\u00f4ng ti\u00eau ti\u1ec1n n\u00e0y, b\u1ea1n n\u00ean t\u1ef1 \u0111\u1ed9ng ho\u00e1 vi\u1ec7c \u0111\u00f3ng g\u00f3p 10% v\u00e0 kh\u00f4ng k\u1ebft n\u1ed1i th\u1ebb ghi n\u1ee3 v\u1edbi t\u00e0i kho\u1ea3n \u0111\u00f3.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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2. Kh\u00f4ng \u0111\u1ea7u t\u01b0 cho t\u01b0\u01a1ng lai c\u1ee7a m\u00ecnh<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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D\u00f9 vi\u1ec7c v\u1ec1 h\u01b0u c\u00f3 v\u1ebb nh\u01b0 c\u00f2n r\u1ea5t xa, nh\u01b0ng kh\u00f4ng bao gi\u1edd l\u00e0 qu\u00e1 s\u1edbm \u0111\u1ec3 b\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m cho n\u00f3. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 h\u00e3y th\u1ef1c hi\u1ec7n vi\u1ec7c n\u00e0y ngay t\u1eeb b\u00e2y gi\u1edd. T\u00ecm hi\u1ec3u v\u1ec1 \u0111\u1ea7u t\u01b0 v\u00e0 \u0111\u1eb7t ti\u1ec1n v\u00e0o c\u00e1c c\u1ed5 phi\u1ebfu, qu\u1ef9 h\u1ed7n h\u1ee3p ho\u1eb7c c\u00e1c c\u00f4ng c\u1ee5 \u0111\u1ea7u t\u01b0 kh\u00e1c ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n l\u00e0 \u0111i\u1ec1u c\u1ef1c k\u1ef3 quan tr\u1ecdng.
Thay v\u00ec b\u1ecf qua v\u00e0 \u0111\u00e1nh m\u1ea5t c\u01a1 h\u1ed9i, h\u00e3y \u0111\u1eb7t m\u1ed9t n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc cho t\u01b0\u01a1ng lai c\u1ee7a b\u1ea1n b\u1eb1ng c\u00e1ch t\u00ecm hi\u1ec3u v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 th\u00f4ng minh. Vi\u1ec7c n\u00e0y c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n x\u00e2y d\u1ef1ng m\u1ed9t ngu\u1ed3n thu nh\u1eadp b\u1ed5 sung, t\u1ea1o ra l\u1ee3i nhu\u1eadn l\u1edbn v\u00e0 b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh trong th\u1eddi gian t\u1edbi.
\u0110\u1eebng \u0111\u1ec3 ng\u00e0y mai tr\u1edf th\u00e0nh ng\u00e0y h\u1ed1i ti\u1ebfc. B\u1eaft \u0111\u1ea7u \u0111\u1ea7u t\u01b0 ngay h\u00f4m nay v\u00e0 h\u00e3y tin r\u1eb1ng \u0111\u1ea7u t\u01b0 cho t\u01b0\u01a1ng lai c\u1ee7a m\u00ecnh s\u1ebd mang l\u1ea1i nh\u1eefng k\u1ebft qu\u1ea3 \u0111\u00e1ng kinh ng\u1ea1c.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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3. Chi ti\u00eau qu\u00e1 \u0111\u00e0 v\u00e0 vay n\u1ee3 qu\u00e1 nhi\u1ec1u<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Th\u1ebf h\u1ec7 n\u00e0y \u0111\u01b0\u1ee3c bi\u1ebft \u0111\u1ebfn v\u1edbi nhu c\u1ea7u t\u1ee9c th\u1eddi. H\u1ecd kh\u00f4ng ng\u1ea1i ch\u1ecbu \u0111au kh\u1ed5 trong th\u1eddi gian ng\u1eafn \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 h\u00e0i l\u00f2ng v\u00e0 an ninh t\u00e0i ch\u00ednh l\u00e2u d\u00e0i. H\u1ecd kh\u00f4ng t\u1eeb b\u1ecf vi\u1ec7c \u0103n ngo\u00e0i v\u00e0 b\u1ecf b\u1eefa, \u0111i du l\u1ecbch v\u00e0 mua nh\u1eefng thi\u1ebft b\u1ecb c\u00f4ng ngh\u1ec7 m\u1edbi nh\u1ea5t, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn chi ti\u00eau qu\u00e1 \u0111\u00e0 v\u00e0o nh\u1eefng th\u1ee9 h\u1ecd kh\u00f4ng c\u1ea7n v\u00e0 t\u00edch l\u0169y n\u1ee3.

N\u1ebfu Gen-Zers kh\u00f4ng c\u00f3 ti\u1ec1n, h\u1ecd s\u1eed d\u1ee5ng c\u00e1c t\u00f9y ch\u1ecdn “mua ngay, tr\u1ea3 sau”, tin r\u1eb1ng \u0111\u00f3 l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn t\u00e0i ch\u00ednh t\u1ed1t. Nh\u01b0ng h\u1ecd kh\u00f4ng hi\u1ec3u r\u00f5 h\u1eadu qu\u1ea3 c\u1ee7a vi\u1ec7c kh\u00f4ng tr\u1ea3 “sau”, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c \u0111\u1ebfn \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a h\u1ecd v\u00e0 kh\u1ea3 n\u0103ng vay ti\u1ec1n trong t\u01b0\u01a1ng lai.

\u0110\u1ec3 tr\u00e1nh sai l\u1ea7m n\u00e0y, Gen-Zers n\u00ean t\u1ea1o ng\u00e2n s\u00e1ch v\u00e0 tu\u00e2n th\u1ee7 n\u00f3. Nhi\u1ec1u c\u00f4ng c\u1ee5 ng\u00e2n s\u00e1ch tr\u1ef1c tuy\u1ebfn gi\u00fap d\u1ec5 d\u00e0ng t\u1ea1o ng\u00e2n s\u00e1ch \u0111\u1ec3 tr\u00e1nh vay n\u1ee3 kh\u00f4ng c\u1ea7n thi\u1ebft v\u00e0 \u0111\u1ea3m b\u1ea3o b\u1ea1n ch\u1ec9 mua nh\u1eefng th\u1ee9 m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 mua \u0111\u01b0\u1ee3c.

M\u1ed9t s\u1ed1 m\u1eb9o kh\u00e1c bao g\u1ed3m vi\u1ec7c theo d\u00f5i t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n chi ti\u00eau c\u1ee7a b\u1ea1n trong m\u1ed9t tu\u1ea7n. Cu\u1ed1i tu\u1ea7n, xem l\u1ea1i danh s\u00e1ch, x\u00e1c \u0111\u1ecbnh c\u00e1c m\u1eb7t h\u00e0ng kh\u00f4ng c\u1ea7n thi\u1ebft b\u1ea1n \u0111\u00e3 mua v\u00e0 lo\u1ea1i b\u1ecf ch\u00fang trong t\u01b0\u01a1ng lai. B\u1ea1n s\u1ebd ng\u1ea1c nhi\u00ean khi bi\u1ebft m\u00ecnh \u0111\u00e3 chi ti\u00eau bao nhi\u00eau ti\u1ec1n cho c\u00e1c m\u1eb7t h\u00e0ng kh\u00f4ng c\u1ea7n thi\u1ebft.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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4. Kh\u00f4ng c\u00f3 vi\u1ec7c l\u00e0m ph\u1ee5<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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V\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c d\u1ecbch v\u1ee5 v\u00e0 c\u00e1c n\u1ec1n t\u1ea3ng nh\u01b0 Uber, Lyft v\u00e0 Fiverr, c\u00f3 nhi\u1ec1u c\u01a1 h\u1ed9i \u0111\u1ec3 ki\u1ebfm th\u00eam ti\u1ec1n. C\u00f4ng vi\u1ec7c ph\u1ee5 trung b\u00ecnh mang l\u1ea1i 483 \u0111\u00f4 la m\u1ed7i th\u00e1ng v\u00e0 15% “ng\u01b0\u1eddi l\u00e0m vi\u1ec7c ph\u1ee5” ki\u1ebfm \u0111\u01b0\u1ee3c h\u01a1n 1.500 \u0111\u00f4 la m\u1ed7i th\u00e1ng. \u0110\u00f3 l\u00e0 ti\u1ec1n th\u1eadt c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 tr\u1ea3 n\u1ee3, ti\u1ebft ki\u1ec7m v\u00e0 b\u1eaft \u0111\u1ea7u m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0. B\u1eb1ng c\u00e1ch t\u1eadn d\u1ee5ng nh\u1eefng c\u01a1 h\u1ed9i n\u00e0y, Gen-Zers c\u00f3 th\u1ec3 t\u0103ng thu nh\u1eadp c\u1ee7a h\u1ecd v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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5. Theo xu h\u01b0\u1edbng m\u1edbi tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Nh\u1eefng xu h\u01b0\u1edbng n\u00e0y d\u01b0\u1eddng nh\u01b0 r\u1ea5t d\u1ec5 d\u00e0ng, nh\u01b0ng kh\u00f4ng c\u00f3 qu\u00e1 nhi\u1ec1u b\u1eb1ng ch\u1ee9ng cho th\u1ea5y ch\u00fang ho\u1ea1t \u0111\u1ed9ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong th\u1eddi gian d\u00e0i. Trong khi r\u1ea5t h\u1ea5p d\u1eabn \u0111\u1ec3 theo xu h\u01b0\u1edbng tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i nh\u01b0 “cash stuffing”, trong \u0111\u00f3 b\u1ea1n ph\u00e2n b\u1ed5 ti\u1ec1n m\u1eb7t v\u00e0o c\u00e1c phong b\u00ec \u0111\u1ec3 ch\u1ec9 ra c\u00e1c kho\u1ea3n chi ti\u00eau \u0111\u01b0\u1ee3c ph\u00e9p, nh\u01b0ng kh\u00f4ng c\u00f3 g\u00ec thay th\u1ebf cho c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh l\u00e0 hi\u1ec7u qu\u1ea3 nh\u01b0 \u0111\u00e3 n\u00eau \u1edf tr\u00ean.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Tham kh\u1ea3o: Gen Z\u2019s 5 Big Money Mistakes – Forbes<\/div>
———————————–<\/div>
Hotline: 0971891408 (Ms. Vi)<\/div>
Website: https:\/\/massey.edu.vn\/en\/en\/<\/a><\/div>
\u0110\u1ecba ch\u1ec9: 79 Nguy\u1ec5n \u0110\u00ecnh Chi\u1ec3u, ph\u01b0\u1eddng V\u00f5 Th\u1ecb S\u00e1u, qu\u1eadn 3,TPHCM<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Th\u1ebf h\u1ec7 Gen Z, c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 “Generation Z” ho\u1eb7c “Gen Z”, \u0111\u1ec1 c\u1eadp \u0111\u1ebfn nh\u00f3m ng\u01b0\u1eddi sinh s\u1ed1ng trong kho\u1ea3ng th\u1eddi gian t\u1eeb cu\u1ed1i nh\u1eefng n\u0103m 1990 \u0111\u1ebfn gi\u1eefa nh\u1eefng n\u0103m 2010.Sau \u0111\u00e2y l\u00e0 5 sai l\u1ea7m v\u1ec1 t\u00e0i ch\u00ednh m\u00e0 \u0111a s\u1ed1 GenZ r\u1ea5t d\u1ec5 m\u1eafc ph\u1ea3i : 1. Kh\u00f4ng ti\u1ebft ki\u1ec7m […]<\/p>\n","protected":false},"author":1,"featured_media":6664,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31],"tags":[],"class_list":["post-6657","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin"],"_links":{"self":[{"href":"https:\/\/massey.edu.vn\/en\/wp-json\/wp\/v2\/posts\/6657","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/massey.edu.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/massey.edu.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/massey.edu.vn\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/massey.edu.vn\/en\/wp-json\/wp\/v2\/comments?post=6657"}],"version-history":[{"count":0,"href":"https:\/\/massey.edu.vn\/en\/wp-json\/wp\/v2\/posts\/6657\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/massey.edu.vn\/en\/wp-json\/wp\/v2\/media\/6664"}],"wp:attachment":[{"href":"https:\/\/massey.edu.vn\/en\/wp-json\/wp\/v2\/media?parent=6657"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/massey.edu.vn\/en\/wp-json\/wp\/v2\/categories?post=6657"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/massey.edu.vn\/en\/wp-json\/wp\/v2\/tags?post=6657"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}