Asset vs Liability: Asal Khail
Ameer log mehangai se kyun nahi dartay? Kyunkay wo paise ka aek basic usool jaantay hain jis se gareeb bilkul un-jaan (unaware) hota hai.
Duniya mein sirf dou (2) financial concept hain jo aapka future tey kartay hain: Asset (Wo cheez jo aapki jaib mein paisa dalay) aur Liability (Wo cheez jo aapki jaib se paisa nikaal laye).
Ghareeb aur middle class log Liability ko Asset samajhtay hain. For example: Loan par li hui luxury gaari ya mehnnga I-phone, jin ki value daily girti hai aur extra sood dena parta hai 'Liability' hai. Lekin zameen, Gold (Sona), ya apna business jo aapke liye paisa kamaye 'Asset' hai.
Mehangaai (Inflation) sirf 'Cash' aur 'Liability' wali cheezon par nuqsaan deh hoti hai. Jab inflation barhti hai, toh 'Asset' (Jese Property ya Gold) ki qematein bhi unke sath ooper jaati hain. Issiliye ameer aadmi mehangai mein mazeed ameer banta hai.
Sochiye: Apni mahana kamai ka kitna hissa aap un cheezon par urratay hain (liabilities) aur kitna hissa Assets bananay par lagatay hain?
Key Takeaway
Nizam ke ander bachne ka rasta yeh hai ke Consumer/kharch-karne-walay ke bajaye Investor/Sarmaya-kar ban-na hoga.