{"id":47488,"date":"2023-12-16T18:21:02","date_gmt":"2023-12-16T18:21:02","guid":{"rendered":"https:\/\/masterskills.org\/blog\/trao-luu-nghi-huu-som-fire-doc-lap-tai-chinh-hay-tu-tuong-sai-lam-cua-gen-z.html"},"modified":"2023-12-16T18:21:02","modified_gmt":"2023-12-16T18:21:02","slug":"trao-luu-nghi-huu-som-fire-doc-lap-tai-chinh-hay-tu-tuong-sai-lam-cua-gen-z","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/trao-luu-nghi-huu-som-fire-doc-lap-tai-chinh-hay-tu-tuong-sai-lam-cua-gen-z.html","title":{"rendered":"Tr\u00e0o L\u01b0u Ngh\u1ec9 H\u01b0u S\u1edbm \u201cFIRE\u201d: \u0110\u1ed9c L\u1eadp T\u00e0i Ch\u00ednh Hay T\u01b0 T\u01b0\u1edfng Sai L\u1ea7m C\u1ee7a Gen Z?"},"content":{"rendered":"
\n

Gen Z, hay nh\u1eefng b\u1ea1n sinh ra trong giai \u0111o\u1ea1n 1997-2005, \u0111ang l\u00e0m vi\u1ec7c r\u1ea5t ch\u0103m ch\u1ec9 \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh b\u1ea3n th\u00e2n trong th\u1ebf gi\u1edbi di chuy\u1ec3n li\u00ean t\u1ee5c, v\u1ed9i v\u00e3 thay \u0111\u1ed5i theo t\u1eebng ph\u00fat. V\u00e0 m\u1ed9t phong tr\u00e0o m\u1edbi \u0111\u00e3 v\u00e0 \u0111ang \u201cn\u1edf r\u1ed9\u201d gi\u1eefa c\u1ed9ng \u0111\u1ed3ng Gen Z ch\u00ednh l\u00e0 ngh\u1ec9 h\u01b0u s\u1edbm \u2013 \u201cFIRE movement\u201d.\u00a0<\/p>\n

C\u00f3 g\u00ec \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi tr\u00e0o l\u01b0u n\u00e0y v\u00e0 gi\u1edbi tr\u1ebb n\u00ean l\u01b0u \u00fd nh\u1eefng g\u00ec n\u1ebfu mu\u1ed1n ngh\u1ec9 h\u01b0u s\u1edbm?<\/p>\n

Phong tr\u00e0o FIRE l\u00e0 g\u00ec?<\/strong><\/h2>\n

Phong tr\u00e0o FIRE l\u00e0 vi\u1ebft t\u1eaft c\u1ee7a Financial Independence, Retire Early<\/strong> \u2013 t\u1ea1m d\u1ecbch l\u00e0 \u201c\u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh, ngh\u1ec9 h\u01b0u s\u1edbm\u201d. M\u1ee5c ti\u00eau chung c\u1ee7a FIRE movement l\u00e0 ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh v\u1edbi 50-75% t\u1ed5ng thu nh\u1eadp, \u0111\u1ec3 sau \u0111\u00f3 b\u1ea1n c\u00f3 th\u1ec3 ngh\u1ec9 h\u01b0u khi b\u01b0\u1edbc v\u00e0o \u0111\u1ed9 tu\u1ed5i 30-40.<\/p>\n

Nh\u1eefng c\u00e1 nh\u00e2n theo \u0111u\u1ed5i tr\u00e0o l\u01b0u ngh\u1ec9 h\u01b0u s\u1edbm n\u00e0y s\u1ebd ki\u1ebfm ti\u1ec1n nhi\u1ec1u nh\u1ea5t\u00a0 c\u00f3 th\u1ec3, t\u00edch c\u00f3p nhi\u1ec1u h\u1ebft s\u1ee9c c\u00f3 th\u1ec3 v\u00e0 ti\u00eau x\u00e0i \u00edt nh\u1ea5t c\u00f3 th\u1ec3. Khi \u0111\u00e3 c\u00f3 \u0111\u01b0\u1ee3c kho\u1ea3n ti\u1ebft ki\u1ec7m t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi 30 l\u1ea7n chi ph\u00ed h\u00e0ng n\u0103m, h\u1ecd s\u1ebd b\u1ecf vi\u1ec7c ho\u1eb7c ngh\u1ec9 h\u01b0u ho\u00e0n to\u00e0n.<\/p>\n

M\u1ed9t nghi\u00ean c\u1ee9u \u0111\u00e3 cho th\u1ea5y 53% th\u1ebf h\u1ec7 Gen Z ch\u1ecdn s\u1ed1ng theo phong tr\u00e0o FIRE. Tuy v\u1eady, ph\u1ea3i \u0111\u1ebfn m\u1ed9t ph\u1ea7n ba c\u00e1c b\u1ea1n \u0111\u00f3 th\u00fa nh\u1eadn r\u1eb1ng d\u00f9 mu\u1ed1n ngh\u1ec9 h\u01b0u s\u1edbm, h\u1ecd c\u0169ng ch\u01b0a th\u1eadt s\u1ef1 c\u00f3 m\u1ed9t kho\u1ea3n ti\u1ebft ki\u1ec7m n\u00e0o.<\/p>\n

\"phong\"phong
Phong tr\u00e0o \u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh v\u00e0 ngh\u1ec9 h\u01b0u s\u1edbm \u0111ang b\u00f9ng n\u1ed5 v\u1edbi gi\u1edbi tr\u1ebb, \u0111\u1eb7c bi\u1ec7t l\u00e0 Gen Z.<\/figcaption><\/figure>\n

\u0110\u1ec3 ngh\u1ec9 h\u01b0u s\u1edbm li\u1ec7u c\u00f3 d\u1ec5 d\u00e0ng?<\/strong><\/h2>\n

\u201c<\/strong>Ch\u01b0a c\u1ed1ng hi\u1ebfn th\u00ec \u0111\u1eebng mong h\u01b0\u1edfng th\u1ee5\u201d<\/em><\/strong><\/h3>\n

\u00a0\u0110\u00e2y l\u00e0 g\u00f3c nh\u00ecn c\u1ee7a m\u1ed9t ph\u1ea7n c\u00e1c th\u1ebf h\u1ec7 tr\u01b0\u1edbc d\u00e0nh cho phong tr\u00e0o ngh\u1ec9 h\u01b0u s\u1edbm c\u1ee7a th\u1ebf h\u1ec7 tr\u1ebb ng\u00e0y nay. Nhi\u1ec1u ng\u01b0\u1eddi cho r\u1eb1ng \u201c\u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh, ngh\u1ec9 h\u01b0u s\u1edbm\u201d l\u00e0 tr\u00e0o l\u01b0u thi\u1ebfu th\u1ef1c t\u1ebf v\u00e0 c\u00f3 ph\u1ea7n ng\u00f4ng cu\u1ed3ng.<\/p>\n

\u1ede H\u00e0n Qu\u1ed1c, mu\u1ed1n ngh\u1ec9 h\u01b0u s\u1edbm khi \u0111\u1ea1t ng\u01b0\u1ee1ng 40 tu\u1ed5i th\u00ec b\u1ea1n s\u1ebd ph\u1ea3i n\u1eafm trong tay 2 t\u1ef7 won (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 20 t\u1ef7 VND) ho\u1eb7c t\u00e0i s\u1ea3n g\u1ea5p 25 l\u1ea7n s\u1ed1 ti\u1ec1n chi ti\u00eau h\u00e0ng n\u0103m. Do \u0111\u00f3, \u0111\u1ec3 c\u00f3 th\u1ec3 tham gia v\u00e0 ho\u00e0n th\u00e0nh FIRE movement, b\u1ea1n s\u1ebd c\u1ea7n s\u1edf h\u1eefu thu nh\u1eadp 70 tri\u1ec7u won\/n\u0103m, hay 1,4 t\u1ef7 \u0111\u1ed3ng.\u00a0<\/p>\n

T\u1ea1i Vi\u1ec7t Nam hi\u1ec7n nay, c\u00e1c b\u1ea1n tr\u1ebb \u0111ang s\u1ed1ng trong th\u1eddi \u0111i\u1ec3m l\u1ea1m ph\u00e1t v\u00e0 s\u1ef1 b\u1ea5t \u1ed5n trong n\u1ec1n kinh t\u1ebf chung c\u0169ng nh\u01b0 s\u1ef1 nghi\u1ec7p ri\u00eang. Song song v\u1edbi \u0111\u00f3, tr\u00e0o l\u01b0u ngh\u1ec9 h\u01b0u s\u1edbm<\/strong> \u1edf ng\u01b0\u1eddi tr\u1ebb thu h\u00fat r\u1ea5t nhi\u1ec1u s\u1ef1 ch\u00fa \u00fd, c\u00e1c m\u1eb9o ki\u1ebfm ti\u1ec1n, \u0111\u1ea7u t\u01b0, c\u00e1c b\u00ed quy\u1ebft \u0111\u1ec3 ngh\u1ec9 h\u01b0u tr\u01b0\u1edbc 65 tu\u1ed5i \u0111\u01b0\u1ee3c truy\u1ec1n mi\u1ec7ng r\u1ed9ng r\u00e3i. Kh\u00f4ng \u00edt b\u1ea1n s\u1eb5n s\u00e0ng th\u1ef1c hi\u1ec7n ho\u00e1 \u01b0\u1edbc m\u01a1 ngh\u1ec9 h\u01b0u s\u1edbm m\u00e0 v\u00f4 t\u00ecnh qu\u00ean \u0111i c\u00e1ch t\u00ednh to\u00e1n, d\u1ef1 tr\u00f9 ch\u1eafc ch\u1eafn cho t\u01b0\u01a1ng lai l\u00e2u d\u00e0i.<\/p>\n

\u0110\u1ed9c l\u1eadp t\u00e0i ch\u00ednh l\u00e0 m\u1ed9t t\u01b0 duy ti\u1ebfn b\u1ed9, gi\u00fap ch\u00fang ta kh\u00f4ng d\u1ef1a d\u1eabm v\u00e0o ai kh\u00e1c. Tuy nhi\u00ean \u0111\u1ec3 th\u1eadt s\u1ef1 c\u00f3 th\u1ec3 v\u1ec1 h\u01b0u s\u1edbm, c\u00f3 l\u1ebd b\u1ea1n s\u1ebd c\u1ea7n nhi\u1ec1u h\u01a1n l\u00e0 \u0111\u00e2m \u0111\u1ea7u ki\u1ebfm ti\u1ec1n v\u00e0 chi ti\u00eau qu\u00e1 d\u00e8 x\u1ebbn.<\/p>\n

Phong tr\u00e0o FIRE c\u00f3 kh\u1ea3 thi kh\u00f4ng?<\/strong><\/h3>\n

Tr\u00e0o l\u01b0u ngh\u1ec9 h\u01b0u s\u1edbm c\u00f3 kh\u1ea3 thi<\/strong>, nh\u01b0ng kh\u00f4ng d\u00e0nh cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi<\/strong>.\u00a0<\/p>\n

\u0110\u00f3 l\u00e0 b\u1edfi \u00fd t\u01b0\u1edfng FIRE kh\u00e1 v\u0129 m\u00f4 v\u00e0 c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh, k\u1ebf ho\u1ea1ch ph\u00e1t tri\u1ec3n c\u1ee7a t\u1eebng ng\u01b0\u1eddi. Kh\u00f4ng ph\u1ea3i b\u1ea1n n\u00e0o c\u0169ng c\u00f3 th\u1ec3 m\u1ed9t l\u00fac \u0111\u1ea7u t\u01b0 50-70% thu nh\u1eadp c\u1ee7a m\u00ecnh, n\u1ebfu c\u00f3 th\u00ec \u0111i\u1ec1u n\u00e0y c\u0169ng y\u00eau c\u1ea7u kh\u1ea3 n\u0103ng ti\u1ebft ki\u1ec7m c\u1ef1c l\u1edbn.\u00a0Nh\u00ecn chung, b\u1ea1n s\u1ebd ph\u1ea3i c\u1ef1c k\u1ef3 quy\u1ebft t\u00e2m v\u00e0 gi\u1eef v\u1eefng \u00fd ch\u00ed. Ng\u01b0\u1eddi ch\u1ec9 l\u00e0m n\u1eeda v\u1eddi ho\u1eb7c kh\u00f4ng bi\u1ebft c\u00e1ch c\u00e2n \u0111\u1ed1i chi ti\u00eau s\u1ebd kh\u00f4ng th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, s\u1ebd c\u00f3 nh\u1eefng b\u1ea1n \u01b0a chu\u1ed9ng phong c\u00e1ch s\u1ed1ng \u0111\u1ed1i l\u1eadp \u2013 ki\u1ebfm \u0111\u01b0\u1ee3c bao nhi\u00eau hay b\u1ea5y nhi\u00eau. H\u1ecd s\u1ebd kh\u00f4ng c\u00f3 nhu c\u1ea7u hay mong mu\u1ed1n ch\u1ea1y \u0111ua v\u1edbi phong tr\u00e0o FIRE.\u00a0<\/p>\n

\n
\"fire-movement\"\"fire-movement\"
FIRE movement kh\u1ea3 thi nh\u01b0ng kh\u00f4ng ph\u1ea3i ai c\u0169ng h\u1ee3p.<\/figcaption><\/figure>\n<\/div>\n

L\u00e0m g\u00ec n\u1ebfu mu\u1ed1n ngh\u1ec9 h\u01b0u s\u1edbm?<\/strong><\/h2>\n

Phong tr\u00e0o ngh\u1ec9 h\u01b0u s\u1edbm \u1edf ng\u01b0\u1eddi tr\u1ebb thu h\u00fat nhi\u1ec1u lu\u1ed3ng \u00fd ki\u1ebfn tr\u00e1i chi\u1ec1u, nh\u01b0ng \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau n\u00e0y ho\u00e0n to\u00e0n kh\u1ea3 thi. \u0110\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c \u0111i\u1ec1u n\u00e0y, c\u00f3 m\u1ed9t s\u1ed1 b\u00e0i h\u1ecdc v\u00e0 l\u01b0u \u00fd m\u00e0 b\u1ea1n c\u1ea7n ch\u00fa \u00fd nh\u01b0 sau:<\/p>\n

T\u00ednh to\u00e1n con s\u1ed1 FI<\/strong><\/h3>\n

N\u1eeda \u0111\u1ea7u c\u1ee7a c\u00e1i t\u00ean \u201cF.I.R.E\u201d l\u00e0 financial independence \u2013 \u0111\u1ed9c l\u1eadp t\u1ef1 do t\u00e0i ch\u00ednh. FI c\u00f3 th\u1ec3 hi\u1ec3u l\u00e0 \u0111\u1ea1i di\u1ec7n cho c\u00e2u h\u1ecfi \u201cc\u1ea7n bao nhi\u00eau ti\u1ec1n \u0111\u1ec3 ngh\u1ec9 h\u01b0u s\u1edbm?\u201d.\u00a0<\/p>\n

B\u1ea1n c\u00f3 bi\u1ebft m\u1ed7i th\u00e1ng b\u1ea1n chi ti\u00eau bao nhi\u00eau, ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c bao nhi\u00eau kh\u00f4ng? Tr\u00ean th\u1ef1c t\u1ebf, c\u00e2u h\u1ecfi n\u00e0y kh\u00f4ng ch\u1ec9 d\u00e0nh cho ng\u01b0\u1eddi theo \u0111u\u1ed5i tr\u00e0o l\u01b0u FIRE m\u00e0 d\u00e0nh cho t\u1ea5t c\u1ea3 nh\u1eefng ai \u0111ang s\u1eed d\u1ee5ng \u0111\u1ed3ng ti\u1ec1n h\u1ecd t\u1ef1 ki\u1ebfm \u0111\u01b0\u1ee3c. C\u00f4ng th\u1ee9c l\u00e0:<\/p>\n

X\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c con s\u1ed1 ch\u00ednh x\u00e1c cho m\u1ed7i n\u0103m th\u00ec b\u1ea1n m\u1edbi c\u00f3 th\u1ec3 l\u1eadp ra \u0111\u01b0\u1ee3c k\u1ebf ho\u1ea1ch \u0111\u1ec3 ti\u1ebfn t\u1edbi c\u00e1i \u0111\u00edch ngh\u1ec9 h\u01b0u s\u1edbm \u1edf \u0111\u1ed9 tu\u1ed5i 40.<\/p>\n

T\u00ecm ra c\u00e1ch t\u0103ng thu nh\u1eadp h\u1ee3p l\u00fd<\/strong><\/h3>\n

Thu nh\u1eadp c\u1ee7a b\u1ea1n l\u00e0 c\u00f4ng c\u1ee5 ch\u00ednh v\u00e0 quan tr\u1ecdng nh\u1ea5t \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh v\u00e0 d\u1ea7n b\u01b0\u1edbc ch\u00e2n ra kh\u1ecfi v\u00f2ng l\u1eb7p \u0111i l\u00e0m 8 ti\u1ebfng m\u1ed7i ng\u00e0y.\u00a0<\/p>\n

C\u00f3 r\u1ea5t nhi\u1ec1u c\u00e1ch \u0111\u1ec3 b\u1ea1n t\u0103ng thu nh\u1eadp nh\u01b0 l\u00e0m c\u1ed9ng t\u00e1c vi\u00ean, freelancer, c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u0103ng thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng, v.v. Ngo\u00e0i c\u00f4ng vi\u1ec7c l\u00e0m ch\u00ednh tr\u00ean v\u0103n ph\u00f2ng, c\u00e1c side hustle ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng s\u1ebd gi\u00fap b\u1ea1n \u0111\u1ec3 ra kho\u1ea3n ti\u1ec1n h\u1ee3p l\u00fd, v\u1eeba ti\u1ebfn g\u1ea7n t\u1edbi m\u1ee5c ti\u00eau FIRE v\u1eeba kh\u00f4ng lo \u201ctr\u1eafng tay\u201d khi c\u00f3 bi\u1ebfn c\u1ed1.<\/p>\n

Ph\u1ea7n l\u1edbn nh\u1eefng ng\u01b0\u1eddi l\u1ef1a ch\u1ecdn v\u1ec1 h\u01b0u \u201cnon\u201d th\u1ef1c ch\u1ea5t kh\u00f4ng ngh\u1ec9 vi\u1ec7c ho\u00e0n to\u00e0n. H\u1ecd s\u1ebd c\u00f3 c\u00f4ng vi\u1ec7c b\u00e1n th\u1eddi gian ho\u1eb7c kinh doanh t\u1ef1 do, th\u01b0\u1eddng c\u00f3 t\u00ednh ch\u1ea5t \u00edt r\u00e0ng bu\u1ed9c h\u01a1n m\u00f4i tr\u01b0\u1eddng v\u0103n ph\u00f2ng m\u00e0 v\u1eabn \u0111\u1ea3m b\u1ea3o h\u1ecd c\u00f3 kho\u1ea3n thu nh\u1eadp d\u1ef1 ph\u00f2ng.<\/p>\n

\"c\u1ea7n\"c\u1ea7n
C\u1ea7n bao nhi\u00eau ti\u1ec1n \u0111\u1ec3 ngh\u1ec9 h\u01b0u s\u1edbm? B\u1ea1n c\u1ea7n \u0111\u1ea3m b\u1ea3o c\u00f3 thu nh\u1eadp t\u1ed1t v\u00e0 b\u1ec1n v\u1eefng.<\/figcaption><\/figure>\n

Tr\u1ea3 to\u00e0n b\u1ed9 n\u1ee3<\/strong><\/h3>\n

Nh\u1edb tr\u1ea3 n\u1ee3, nh\u1edb tr\u1ea3 n\u1ee3, tr\u1ea3 h\u1ebft n\u1ee3! Nh\u1eefng ai \u0111\u00e3 t\u1eebng vay m\u01b0\u1ee3n s\u1ebd hi\u1ec3u n\u1ee3 n\u1ea7n c\u00f3 \u1ea3nh h\u01b0\u1edfng kh\u00f4ng t\u1ed1t th\u1ebf n\u00e0o t\u1edbi t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.\u00a0<\/p>\n

V\u00ed d\u1ee5, l\u01b0\u01a1ng th\u1ef1c nh\u1eadn c\u1ee7a b\u1ea1n m\u1ed7i th\u00e1ng l\u00e0 10 tri\u1ec7u \u0111\u1ed3ng, b\u1ea1n g\u1eedi ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng 7 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i th\u00e1ng. B\u1ea1n c\u00f2n 3 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ec3 chi ti\u00eau, nh\u01b0ng thay v\u00ec ti\u1ebft ki\u1ec7m, b\u1ea1n l\u1ea1i s\u1eed d\u1ee5ng th\u1ebb ghi n\u1ee3 ng\u00e2n h\u00e0ng ho\u1eb7c vay b\u1ea1n b\u00e8 5-6 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ec3 trang tr\u1ea3i cu\u1ed9c s\u1ed1ng. Sang th\u00e1ng ti\u1ebfp theo, b\u1ea1n nh\u1eadn l\u01b0\u01a1ng nh\u01b0ng l\u00e0 \u0111\u1ec3 tr\u1ea3 n\u1ee3, v\u00e0 v\u00f2ng l\u1eb7p vay-tr\u1ea3 n\u1ee3-vay l\u1ea1i ti\u1ebfp di\u1ec5n kh\u00f4ng c\u00f3 h\u1ed3i k\u1ebft. V\u1eady r\u1ed1t cu\u1ed9c c\u00e1ch ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n c\u00f3 m\u1ee5c \u0111\u00edch g\u00ec?<\/p>\n

T\u1eeb \u0111\u00e2y ch\u00fang ta th\u1ea5y \u0111\u01b0\u1ee3c \u0111i\u1ec1u ki\u1ec7n ti\u00ean quy\u1ebft khi th\u1ef1c hi\u1ec7n m\u1ee5c ti\u00eau F.I.R.E: kh\u00f4ng vay n\u1ee3<\/strong>. D\u00f9 l\u00e0 n\u1ee3 t\u00edn d\u1ee5ng, n\u1ee3 tr\u1ea3 g\u00f3p, n\u1ee3 b\u1ea1n b\u00e8, v.v, b\u1ea1n \u0111\u1ec1u ph\u1ea3i \u0111\u1ea3m b\u1ea3o tr\u1ea3 xong s\u1edbm. C\u00f3 v\u1eady b\u1ea1n m\u1edbi c\u00f3 th\u1ec3 chuy\u00ean t\u00e2m x\u00e2y d\u1ef1ng kh\u1ea3 n\u0103ng \u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh, ngh\u1ec9 h\u01b0u s\u1edbm cho b\u1ea3n th\u00e2n.<\/p>\n

T\u00ecm c\u00e1ch ti\u1ebft ki\u1ec7m chi ti\u00eau<\/strong><\/h3>\n

L\u00e0 ng\u01b0\u1eddi theo ch\u1ee7 ngh\u0129a FIRE hay kh\u00f4ng, ch\u00fang ta \u0111\u1ec1u n\u00ean bi\u1ebft c\u00e1ch qu\u1ea3n l\u00fd c\u00e1c ho\u1ea1t \u0111\u1ed9ng chi ti\u00eau c\u1ee7a m\u00ecnh. Ch\u1eb3ng h\u1ea1n m\u1ed7i th\u00e1ng, b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng b\u1ea3ng qu\u1ea3n l\u00fd chi ti\u00eau \u0111\u1ec3 bi\u1ebft r\u00f5 b\u1ea1n \u0111\u00e3 ti\u00eau nh\u1eefng g\u00ec, thu \u0111\u01b0\u1ee3c nh\u1eefng g\u00ec, c\u00f3 g\u00ec ch\u00eanh l\u1ec7ch so v\u1edbi c\u00e1c th\u00e1ng kh\u00e1c, v.v.\u00a0<\/p>\n

Khi bi\u1ebft \u0111\u01b0\u1ee3c \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd trong phong c\u00e1ch chi ti\u00eau, b\u1ea1n s\u1ebd bi\u1ebft c\u00e1ch ti\u1ebft ki\u1ec7m h\u1ee3p l\u00fd h\u01a1n v\u00e0 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u1ebf n\u00e0o l\u00e0 v\u1eeba \u0111\u1ee7 v\u00e0 khi n\u00e0o c\u1ea7n \u201ct\u00e9m l\u1ea1i\u201d khi ti\u00eau ti\u1ec1n.\u00a0<\/p>\n

Ki\u00ean tr\u00ec h\u1ebft s\u1ee9c c\u00f3 th\u1ec3<\/strong><\/h3>\n

Nhi\u1ec1u ng\u01b0\u1eddi cho r\u1eb1ng ch\u1ec9 nh\u1eefng ng\u01b0\u1eddi c\u00f3 l\u01b0\u01a1ng c\u1ef1c cao m\u1edbi c\u00f3 th\u1ec3 h\u01b0\u1edfng th\u1ee5 cu\u1ed9c s\u1ed1ng b\u1eb1ng c\u00e1ch ngh\u1ec9 h\u01b0u s\u1edbm. Nh\u1eadn \u0111\u1ecbnh n\u00e0y kh\u00f4ng sai nh\u01b0ng c\u0169ng kh\u00f4ng \u0111\u00fang. D\u00f9 ch\u01b0a c\u00f3 \u0111\u1ee7 s\u1ed1 ti\u1ec1n b\u1ea1n c\u1ea7n \u0111\u1ec3 \u201cngh\u1ec9 kho\u1ebb\u201d kh\u1ecfi cu\u1ed9c s\u1ed1ng v\u0103n ph\u00f2ng, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c n\u1ebfu c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng ho\u1ea1ch \u0111\u1ecbnh v\u00e0 s\u1ef1 ki\u00ean tr\u00ec ti\u1ebfn t\u1edbi m\u1ee5c ti\u00eau c\u1ee7a m\u00ecnh.<\/p>\n

Th\u1eddi gian \u0111\u1ec3 b\u1ea1n th\u1eadt s\u1ef1 ngh\u1ec9 h\u01b0u s\u1edbm c\u00f3 th\u1ec3 d\u00e0i h\u01a1n nh\u1eefng ng\u01b0\u1eddi \u201csinh ra \u1edf v\u1ea1ch \u0111\u00edch\u201d, nh\u01b0ng n\u1ebfu b\u1ea1n th\u1eadt s\u1ef1 nghi\u00eam t\u00fac theo \u0111u\u1ed5i phong tr\u00e0o FIRE, kh\u00f4ng c\u00f3 l\u00fd g\u00ec b\u1ea1n l\u1ea1i kh\u00f4ng l\u00e0m \u0111\u01b0\u1ee3c.<\/p>\n

\n
\"ki\u00ean\"ki\u00ean
Kh\u00f4ng ki\u00ean tr\u00ec, b\u1ea1n s\u1ebd kh\u00f4ng th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c b\u1ea5t c\u1ee9 \u0111i\u1ec1u g\u00ec, hu\u1ed1ng chi chuy\u1ec7n ngh\u1ec9 h\u01b0u s\u1edbm.<\/figcaption><\/figure>\n<\/div>\n

T\u1ea1m k\u1ebft<\/strong><\/h2>\n

D\u00f9 th\u1eadt s\u1ef1 g\u00e2y ra nhi\u1ec1u tranh c\u00e3i v\u00e0 b\u1ecb n\u00f3i l\u00e0 \u201cm\u1ed9t nh\u1eadn \u0111\u1ecbnh sai l\u1ea7m c\u1ee7a gi\u1edbi tr\u1ebb\u201d, phong tr\u00e0o ngh\u1ec9 h\u01b0u s\u1edbm<\/strong> kh\u00f4ng h\u1eb3n l\u00e0 m\u1ed9t m\u1ee5c ti\u00eau h\u00e3o huy\u1ec1n hay s\u1ef1 ng\u00f4ng cu\u1ed3ng trong t\u01b0 duy c\u1ee7a th\u1ebf h\u1ec7 Gen Z. \u0110\u1ed1i v\u1edbi tr\u00e0o l\u01b0u n\u00e0y, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u00fang hay sai, m\u00e0 l\u00e0 kh\u1ea3 n\u0103ng l\u1eadp k\u1ebf ho\u1ea1ch, k\u1ef7 lu\u1eadt kinh t\u1ebf v\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4n ngoan c\u1ee7a nh\u1eefng c\u00e1 nh\u00e2n th\u1eadt s\u1ef1 mu\u1ed1n theo \u0111u\u1ed5i n\u00f3.\u00a0<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Gen Z, hay nh\u1eefng b\u1ea1n sinh ra trong giai \u0111o\u1ea1n 1997-2005, \u0111ang l\u00e0m vi\u1ec7c r\u1ea5t ch\u0103m ch\u1ec9 \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh b\u1ea3n th\u00e2n trong th\u1ebf gi\u1edbi di chuy\u1ec3n li\u00ean t\u1ee5c, v\u1ed9i v\u00e3 thay \u0111\u1ed5i theo t\u1eebng ph\u00fat. V\u00e0 m\u1ed9t phong tr\u00e0o m\u1edbi \u0111\u00e3 v\u00e0 \u0111ang \u201cn\u1edf r\u1ed9\u201d gi\u1eefa c\u1ed9ng \u0111\u1ed3ng Gen Z ch\u00ednh l\u00e0 ngh\u1ec9 h\u01b0u […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[427],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/47488"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=47488"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/47488\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=47488"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=47488"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=47488"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}