\u0646\u0639\u064a\u0634 \u0641\u064a \u0639\u0635\u0631 \u0645\u0645\u064a\u0632. \u0644\u0645 \u064a\u0643\u0646 \u062a\u062d\u0642\u064a\u0642 \u062f\u062e\u0644 \u0643\u0627\u0641\u064d \u0648\u062a\u0635\u0645\u064a\u0645 \u062d\u064a\u0627\u0629 \u062a\u062d\u0628\u0647\u0627 \u0623\u0633\u0647\u0644 \u0645\u0646 \u0623\u064a \u0648\u0642\u062a \u0645\u0636\u0649 \u0641\u064a \u0627\u0644\u062a\u0627\u0631\u064a\u062e – \u0648\u0647\u0630\u0627 \u0647\u0648 \u062c\u0648\u0647\u0631 \u062d\u0631\u0643\u0629 FIRE. FIRE \u0647\u064a \u0627\u062e\u062a\u0635\u0627\u0631 \u0644\u0639\u0628\u0627\u0631\u0629 “\u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0628\u0643\u0631” (Financial Independence, Retire Early).<\/p>\n
\u062d\u062a\u0649 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0630\u064a\u0646 \u0639\u0627\u0634\u0648\u0627 \u0642\u0628\u0644 20 \u0639\u0627\u0645\u064b\u0627 \u0633\u064a\u062d\u0633\u062f\u0648\u0646\u0646\u0627 \u0639\u0644\u0649 \u0627\u0644\u0641\u0631\u0635 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0646\u0627 \u0627\u0644\u064a\u0648\u0645 \u0644\u0639\u064a\u0634 \u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u062a\u064a \u0646\u0631\u064a\u062f\u0647\u0627. \u064a\u0645\u0643\u0646\u0646\u0627 \u0627\u0644\u0639\u0645\u0644 \u0645\u0646 \u0623\u064a \u0645\u0643\u0627\u0646. \u0627\u0644\u0633\u0641\u0631 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645 \u0628\u062a\u0643\u0644\u0641\u0629 \u0623\u0642\u0644. \u0647\u0630\u0627 \u0647\u0648 \u062c\u0648\u0647\u0631 \u062d\u0631\u0643\u0629 FIRE.<\/p>\n
\u0648\u0647\u0646\u0627\u0643 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u062e\u0637\u0637 \u0627\u0644\u0631\u0627\u0626\u0639\u0629 \u0644\u0639\u064a\u0634 \u062d\u064a\u0627\u0629 \u063a\u064a\u0631 \u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u062d\u064a\u062b \u0644\u0627 \u062a\u0643\u0648\u0646 \u0639\u0627\u0644\u0642\u064b\u0627 \u0641\u064a \u0645\u0643\u062a\u0628 \u0637\u0648\u0627\u0644 \u0627\u0644\u064a\u0648\u0645 \u062a\u0642\u0648\u0645 \u0628\u0639\u0645\u0644 \u062a\u0643\u0631\u0647\u0647.<\/p>\n
\u0647\u0646\u0627\u0643 \u062d\u0631\u0643\u0629 \u0645\u062a\u0646\u0627\u0645\u064a\u0629 \u0645\u0646 \u0627\u0644\u0646\u0627\u0633 \u0627\u0644\u0630\u064a\u0646 \u064a\u062e\u062a\u0627\u0631\u0648\u0646 \u0639\u064a\u0634 \u0627\u0644\u062d\u064a\u0627\u0629 \u0628\u0634\u0631\u0648\u0637\u0647\u0645 \u0627\u0644\u062e\u0627\u0635\u0629. \u0648\u0623\u0646\u0627 \u062c\u0632\u0621 \u0645\u0646\u0647\u0627. \u0646\u062d\u0646 \u062d\u0631\u0643\u0629 FIRE.<\/p>\n
\u064a\u0645\u0643\u0646\u0647\u0627 \u0623\u0646 \u062a\u063a\u064a\u0631 \u062d\u064a\u0627\u062a\u0643 \u062d\u0642\u064b\u0627. \u0644\u0642\u062f \u063a\u064a\u0631\u062a FIRE \u062d\u064a\u0627\u062a\u064a \u0628\u0627\u0644\u062a\u0623\u0643\u064a\u062f. \u0648\u0644\u0643\u0646 \u0639\u0646\u062f\u0645\u0627 \u0628\u062f\u0623\u062a \u0631\u062d\u0644\u062a\u064a \u0646\u062d\u0648 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0641\u064a \u0639\u0627\u0645 2010\u060c \u0644\u0645 \u062a\u0643\u0646 \u0647\u0646\u0627\u0643 \u062d\u0631\u0643\u0629 \u0628\u0639\u062f.<\/p>\n
\u0643\u0646\u0627 \u0645\u062c\u0645\u0648\u0639\u0629 \u0635\u063a\u064a\u0631\u0629 \u0646\u0633\u0628\u064a\u064b\u0627 \u0645\u0646 \u0627\u0644\u0646\u0627\u0633 \u0641\u064a \u062c\u0645\u064a\u0639 \u0623\u0646\u062d\u0627\u0621 \u0627\u0644\u0639\u0627\u0644\u0645 \u0646\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0645\u0627\u0644 \u0643\u0623\u062f\u0627\u0629 \u0644\u062e\u0644\u0642 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0629 \u0641\u064a \u062d\u064a\u0627\u062a\u0646\u0627. \u0627\u0643\u062a\u0634\u0641\u0646\u0627 \u0623\u0646\u0647 \u0643\u0644\u0645\u0627 \u0627\u0631\u062a\u0641\u0639 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631\u060c \u0632\u0627\u062f\u062a \u0633\u0631\u0639\u0629 \u062a\u0642\u0627\u0639\u062f\u0643 \u0627\u0644\u0645\u0628\u0643\u0631.<\/p>\n
\u0628\u064a\u0646 \u0639\u0627\u0645\u064a 2010 \u06482015\u060c \u0623\u0637\u0644\u0642\u062a\u064f \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062c\u0627\u0646\u0628\u064a\u0629\u060c \u0648\u0648\u0641\u0631\u062a\u064f \u0645\u0627 \u064a\u0632\u064a\u062f \u0639\u0646 82% \u0645\u0646 \u062f\u062e\u0644\u064a\u060c \u0648\u0627\u0633\u062a\u062b\u0645\u0631\u062a \u0623\u0645\u0648\u0627\u0644\u064a \u062d\u062a\u0649 \u062a\u0646\u0645\u0648.<\/p>\n
\u0633\u0627\u0639\u062f\u0646\u064a \u0647\u0630\u0627 \u0641\u064a \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648”\u0627\u0644\u062a\u0642\u0627\u0639\u062f” \u0641\u064a \u0633\u0646 30. \u0643\u062a\u0628\u062a \u0643\u062a\u0627\u0628\u064b\u0627 \u0643\u0627\u0645\u0644\u0627\u064b \u0639\u0646 \u0631\u062d\u0644\u062a\u064a \u0648\u062e\u0637\u0629 \u062e\u0637\u0648\u0629 \u0628\u062e\u0637\u0648\u0629 \u064a\u0645\u0643\u0646 \u0644\u0623\u064a \u0634\u062e\u0635 \u0627\u062a\u0628\u0627\u0639\u0647\u0627 \u0628\u0639\u0646\u0648\u0627\u0646 Financial Freedom: A Proven Path to All The Money You Will Ever Need<\/em>\u00a0(\u062f\u0627\u0631 \u0646\u0634\u0631 Penguin Random House) \u0648\u062d\u062a\u0649 \u0623\u0637\u0644\u0642\u062a\u064f \u062a\u0637\u0628\u064a\u0642\u064b\u0627 \u0644\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\n \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0647\u0648 \u062d\u0627\u0644\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0645\u0646 \u0627\u0644\u062b\u0631\u0648\u0629 \u064a\u064f\u0645\u0643\u0651\u0646\u0643 \u0645\u0646 \u0639\u064a\u0634 \u062d\u064a\u0627\u0629 \u0645\u064f\u0631\u064a\u062d\u0629 \u062f\u0648\u0646 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0627\u0644\u0639\u0645\u0644 \u0644\u0643\u0633\u0628 \u0627\u0644\u0645\u0627\u0644\u060c \u0648\u064a\u064f\u0639\u0631\u0641 \u0627\u062e\u062a\u0635\u0627\u0631\u0627\u064b \u0628\u0640 FI. \u0648\u064a\u062a\u062d\u0642\u0642 \u0630\u0644\u0643 \u0639\u0627\u062f\u0629\u064b \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0635\u0627\u062f\u0631 \u062f\u062e\u0644 \u0633\u0644\u0628\u064a\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0645\u062b\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629 \u0623\u0648 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0623\u0633\u0647\u0645 \u0648\u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0623\u0648 \u063a\u064a\u0631\u0647\u0627 \u0645\u0646 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u062f\u0631\u0629 \u0644\u0644\u062f\u062e\u0644.<\/p>\n \u064a\u062e\u062a\u0644\u0641 \u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0628\u0643\u0631 \u0645\u0646 \u0634\u062e\u0635 \u0644\u0622\u062e\u0631\u060c \u0641\u0640 “\u0627\u0644\u062a\u0642\u0627\u0639\u062f” \u0646\u0641\u0633\u0647 \u064a\u062a\u062e\u0630 \u0623\u0634\u0643\u0627\u0644\u0627\u064b \u0645\u062a\u0639\u062f\u062f\u0629\u060c \u0648\u0643\u0644\u0645\u0629 “\u0645\u0628\u0643\u0631” \u0646\u0633\u0628\u064a\u0629.<\/p>\n \u0641\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0628\u0639\u0636\u060c \u064a\u0639\u0646\u064a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0628\u0643\u0631 \u062a\u0631\u0643 \u0627\u0644\u0639\u0645\u0644 \u0641\u064a \u0633\u0646 35 \u0648\u0639\u062f\u0645 \u0627\u0644\u0639\u0648\u062f\u0629 \u0625\u0644\u064a\u0647 \u0623\u0628\u062f\u0627\u064b.<\/p>\n \u0628\u064a\u0646\u0645\u0627 \u0642\u062f \u064a\u0639\u0646\u064a \u0644\u0644\u0622\u062e\u0631\u064a\u0646\u060c \u062a\u0631\u0643 \u0627\u0644\u0639\u0645\u0644 \u0641\u064a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0641\u064a \u0633\u0646 55 (\u0642\u0628\u0644 10 \u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u0633\u0646 \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0639\u062a\u0627\u062f) \u0648\u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0625\u0644\u0649 \u0639\u0645\u0644 \u062a\u0637\u0648\u0639\u064a \u064a\u0634\u0639\u0631\u0648\u0646 \u0646\u062d\u0648\u0647 \u0628\u0634\u063a\u0641 \u0623\u0643\u0628\u0631.<\/p>\n \u0644\u0643\u0646 FIRE \u0644\u0627 \u064a\u0642\u062a\u0635\u0631 \u0641\u0642\u0637 \u0639\u0644\u0649 \u0627\u0644\u0645\u0627\u0644 \u0623\u0648 \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0623\u0645\u0648\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629\u060c \u0628\u0644 \u064a\u062a\u0639\u0644\u0642 \u0628\u062a\u062d\u0633\u064a\u0646 \u0646\u0645\u0637 \u0627\u0644\u062d\u064a\u0627\u0629. \u0627\u0644\u0633\u0624\u0627\u0644 \u0627\u0644\u0645\u062d\u0648\u0631\u064a \u0647\u0648 “\u0645\u0627 \u0627\u0644\u0630\u064a \u064a\u062c\u0639\u0644\u0643 \u0633\u0639\u064a\u062f\u064b\u0627\u061f” \u0648\u0645\u0646 \u062b\u0645 \u0645\u0648\u0627\u0621\u0645\u0629 \u0625\u0646\u0641\u0627\u0642\u0643 \u0648\u0627\u062f\u062e\u0627\u0631\u0643 \u0648\u062d\u064a\u0627\u062a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u0623\u0642\u0635\u0649 \u0642\u062f\u0631 \u0645\u0646 \u0633\u0639\u0627\u062f\u062a\u0643.<\/p>\n \u0628\u0647\u062f\u0641 \u062a\u062d\u0642\u064a\u0642 \u0647\u0630\u0647 \u0627\u0644\u063a\u0627\u064a\u0629\u060c \u062a\u062a\u0628\u0646\u0649 \u062d\u0631\u0643\u0629 FIRE \u0645\u0641\u0627\u0647\u064a\u0645 \u0646\u0641\u0633\u064a\u0629 \u0648\u0641\u0644\u0633\u0641\u064a\u0629 \u0645\u0646 \u062d\u0631\u0643\u0627\u062a \u0623\u062e\u0631\u0649 \u0645\u062b\u0644 \u0627\u0644\u0631\u0648\u0627\u0642\u064a\u0629 \u0648\u062d\u062a\u0649 \u0627\u0644\u0628\u0648\u0630\u064a\u0629.<\/p>\n \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0628\u0643\u0631 (FIRE) \u0647\u0648 \u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629 \u0631\u062d\u0644\u0629 \u0634\u062e\u0635\u064a\u0629.<\/p>\n \u0638\u0647\u0631\u062a \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u062c\u0648\u0627\u0646\u0628 \u062d\u0631\u0643\u0629 FIRE \u0639\u0644\u0649 \u0645\u0631 \u0627\u0644\u0633\u0646\u064a\u0646:<\/p>\n \u062a\u0638\u0647\u0631 \u0627\u062a\u062c\u0627\u0647\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u0644\u062d\u0631\u0643\u0629 FIRE \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631.<\/p>\n \u0643\u0645\u0627 \u062a\u0631\u0649\u060c \u0641\u0625\u0646 \u0645\u0639\u0646\u0649 FIRE \u064a\u0639\u062a\u0645\u062f \u0639\u0644\u064a\u0643 \u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629. \u0647\u0630\u0627 \u0647\u0648 \u062c\u0645\u0627\u0644\u0647\u0627 – \u064a\u0645\u0643\u0646\u0643 \u062d\u0642\u064b\u0627 \u0625\u0646\u0634\u0627\u0621 \u0645\u0633\u0627\u0631\u0643 \u0627\u0644\u062e\u0627\u0635 \u0648\u062a\u0635\u0645\u064a\u0645 \u062d\u064a\u0627\u062a\u0643 \u0643\u0645\u0627 \u062a\u064f\u0631\u064a\u062f.<\/p>\n \u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0623\u0646 \u0623\u0635\u0648\u0644 \u062d\u0631\u0643\u0629 FIRE \u0645\u062d\u0644 \u0646\u0642\u0627\u0634 \u0633\u0627\u062e\u0646\u060c \u0648\u0645\u0646 \u0627\u0644\u0648\u0627\u0636\u062d \u0623\u0646 \u0645\u0635\u0637\u0644\u062d FIRE \u0635\u064a\u063a \u0644\u0623\u0648\u0644 \u0645\u0631\u0629 \u0641\u064a \u0645\u0646\u062a\u062f\u0649 Motley Fool \u0627\u0644\u0642\u062f\u064a\u0645 \u0641\u064a \u0648\u0642\u062a \u0645\u0627 \u0641\u064a \u0623\u0648\u0627\u0626\u0644 \u0627\u0644\u062a\u0633\u0639\u064a\u0646\u064a\u0627\u062a\u060c \u0625\u0644\u0627 \u0623\u0646 \u0627\u0644\u062d\u0631\u0643\u0629 \u0628\u062f\u0623\u062a \u0625\u0644\u0649 \u062d\u062f \u0643\u0628\u064a\u0631 \u0641\u064a \u0639\u0627\u0645 1992 \u0645\u0639 \u0646\u0634\u0631 \u0623\u062d\u062f \u0643\u062a\u0628\u064a \u0627\u0644\u0645\u0641\u0636\u0644\u0629 \u0639\u0644\u0649 \u0627\u0644\u0625\u0637\u0644\u0627\u0642\u060c Your Money or Your Life\u00a0<\/em> 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\u0644\u0630\u0627 \u0628\u0628\u0633\u0627\u0637\u0629 \u0628\u0636\u0631\u0628 25 \u0641\u064a 50,000 \u062f\u0648\u0644\u0627\u0631\u060c \u062d\u062f\u062f\u062a \u0623\u0646\u0646\u064a \u0633\u0623\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u062a\u0648\u0641\u064a\u0631 1,250,000 \u062f\u0648\u0644\u0627\u0631. \u0625\u0646\u0647 \u0631\u0642\u0645 \u0643\u0628\u064a\u0631\u060c \u0644\u0643\u0646\u0647 \u0643\u0627\u0646 \u0647\u062f\u0641\u064a.<\/p>\n \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0647\u0648 \u0641\u0631\u0635\u0629 \u0644\u0639\u064a\u0634 \u062d\u064a\u0627\u0629 \u062a\u062d\u0628\u0647\u0627\u060c \u0648\u0644\u064a\u0633 \u062a\u0636\u062d\u064a\u0629. \u0637\u0627\u0644\u0645\u0627 \u0623\u0646\u0643 \u062a\u0646\u0638\u0631 \u0625\u0644\u064a\u0647 \u0639\u0644\u0649 \u0623\u0646\u0647 \u062a\u0636\u062d\u064a\u0629\u060c \u0641\u0633\u062a\u0638\u0644 \u062f\u0627\u0626\u0645\u064b\u0627 \u0641\u064a \u0639\u0642\u0644\u064a\u0629 \u0627\u0644\u0646\u0642\u0635.<\/p>\n \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0648\u062d\u064a\u062f\u0629 \u0627\u0644\u062a\u064a \u0633\u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u062e\u0644\u0627\u0644\u0647\u0627 \u0645\u0646 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062d\u0631\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648 FIRE (\u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0628\u0643\u0631) \u0647\u064a \u062a\u0648\u0641\u064a\u0631 \u0623\u0643\u0628\u0631 \u0642\u062f\u0631 \u0645\u0645\u0643\u0646 \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0648\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0647 \u0644\u0644\u0646\u0645\u0648.<\/p>\n \u062a\u0630\u0643\u0631 \u0645\u0627 \u0642\u0644\u062a\u0647 \u0639\u0646 \u0627\u0644\u0639\u064a\u0634 \u0628\u0634\u0643\u0644 \u0645\u062e\u062a\u0644\u0641\u061f \u0625\u0646 \u0645\u0639\u062f\u0644 \u0627\u062f\u062e\u0627\u0631\/\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0628\u0646\u0633\u0628\u0629 50% \u0647\u0648 \u0623\u0643\u062b\u0631 \u0634\u064a\u0648\u0639\u064b\u0627 \u0645\u0645\u0627 \u062a\u0639\u062a\u0642\u062f \u0628\u064a\u0646 \u0645\u062c\u062a\u0645\u0639 FIRE. \u0623\u0639\u0631\u0641 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0646\u0627\u0633 \u0627\u0644\u0630\u064a\u0646 \u064a\u062f\u062e\u0631\u0648\u0646 \u0647\u0630\u0627 \u0627\u0644\u0642\u062f\u0631 \u0643\u0644 \u0634\u0647\u0631 \u0644\u0623\u0646\u0647\u0645 \u064a\u0641\u0647\u0645\u0648\u0646 \u0623\u0647\u0645\u064a\u062a\u0647.<\/p>\n \u0625\u0646 \u062a\u0648\u0641\u064a\u0631 50% \u0623\u0648 \u0623\u0643\u062b\u0631 \u0645\u0646 \u062f\u062e\u0644\u0643 \u0647\u0648 \u0628\u0627\u0644\u062a\u0623\u0643\u064a\u062f \u0645\u062e\u0627\u0644\u0641 \u0644\u0644\u0648\u0636\u0639 \u0627\u0644\u0631\u0627\u0647\u0646\u060c \u0648\u0644\u0643\u0646 \u0647\u0630\u0647 \u0647\u064a \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062a\u064a \u062a\u064f\u0633\u0631\u0651\u0639 \u0628\u0647\u0627 \u062b\u0631\u0648\u062a\u0643. \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0631\u063a\u0628 \u0641\u064a \u0627\u0644\u062a\u0639\u0645\u0642 \u0623\u0643\u062b\u0631\u060c \u0641\u0625\u0644\u064a\u0643 \u0645\u0646\u0634\u0648\u0631\u064a\u0646 \u062d\u0648\u0644 \u0645\u0642\u062f\u0627\u0631 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u062a\u0648\u0641\u064a\u0631\u0647 \u0648\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u064a.<\/p>\n \u0623\u0633\u0647\u0644 \u0637\u0631\u064a\u0642\u0629 \u0644\u0645\u0631\u0627\u0642\u0628\u0629 \u0645\u0642\u062f\u0627\u0631 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0630\u064a \u062a\u062f\u062e\u0631\u0647 \u0647\u064a \u062a\u062a\u0628\u0639 \u0645\u0627 \u064a\u064f\u0639\u0631\u0641 \u0628\u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643. \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0647\u0648 \u0628\u0628\u0633\u0627\u0637\u0629 \u0627\u0644\u0646\u0633\u0628\u0629 \u0627\u0644\u0645\u0626\u0648\u064a\u0629 \u0645\u0646 \u062f\u062e\u0644\u0643 (\u062f\u062e\u0648\u0644\u0643) \u0627\u0644\u062a\u064a \u062a\u062f\u062e\u0631\u0647\u0627.<\/p>\n \u0644\u062d\u0633\u0627\u0628 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643\u060c \u062a\u0631\u064a\u062f \u062c\u0645\u0639 \u0643\u0644 \u0627\u0644\u062f\u0648\u0644\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062f\u062e\u0631\u0647\u0627\u060c \u0633\u0648\u0627\u0621 \u0641\u064a \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0642\u0628\u0644 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 (\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c 401(k)s \u0648 IRAs) \u0648\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0628\u0639\u062f \u0627\u0644\u0636\u0631\u0627\u0626\u0628 (\u0627\u0644\u0648\u0633\u0627\u0637\u0629) \u0648\u0642\u0633\u0645\u0647\u0627 \u0639\u0644\u0649 \u062f\u062e\u0644\u0643.<\/p>\n \u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0645\u062b\u0627\u0644 \u0639\u0644\u0649 \u0643\u064a\u0641\u064a\u0629 \u0638\u0647\u0648\u0631\u0647 \u0625\u0630\u0627 \u0643\u0627\u0646 \u062f\u062e\u0644\u0643 100,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0648\u062a\u0648\u0641\u0631 40%.<\/p>\n \u0627\u0644\u0623\u0645\u0631 \u0628\u0633\u064a\u0637 \u0644\u0644\u063a\u0627\u064a\u0629. \u0643\u0644\u0645\u0627 \u0632\u0627\u062f \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0630\u064a \u064a\u0645\u0643\u0646\u0643 \u062a\u0648\u0641\u064a\u0631\u0647\u060c \u0632\u0627\u062f\u062a \u0633\u0631\u0639\u0629 \u0646\u0645\u0648\u0647 \u0648\u062d\u062c\u0645\u0647. \u064a\u0628\u0644\u063a \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u062d\u0627\u0644\u064a\u064b\u0627 \u062d\u0648\u0627\u0644\u064a 3.2%\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0639\u0646\u064a\u060c \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u062d\u0633\u0627\u0628\u0627\u062a \u0628\u0633\u064a\u0637\u0629\u060c \u0623\u0646 \u063a\u0627\u0644\u0628\u064a\u0629 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u064a\u0646 \u0644\u0646 \u064a\u062a\u0645\u0643\u0646\u0648\u0627 \u0623\u0628\u062f\u064b\u0627 \u0645\u0646 \u0627\u0644\u062a\u0642\u0627\u0639\u062f.<\/p>\n \u0648\u0644\u0643\u0646 \u0625\u0630\u0627 \u062a\u0645\u0643\u0646\u062a \u0645\u0646 \u0631\u0641\u0639 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0647\u0630\u0627 \u0625\u0644\u0649 20% \u0623\u0648 30% \u0623\u0648 \u062d\u062a\u0649 50%\u060c \u0641\u0633\u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u062a\u0642\u0644\u064a\u0644 \u0633\u0646\u0648\u0627\u062a \u0648\u062d\u062a\u0649 \u0639\u0642\u0648\u062f \u0645\u0646 \u062a\u0642\u0627\u0639\u062f\u0643.<\/p>\n \u064a\u064f\u0639\u062a\u0628\u0631 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0623\u0645\u0631\u064b\u0627 \u0635\u0639\u0628\u064b\u0627\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0645\u0646\u0639 \u0645\u0639\u0638\u0645 \u0627\u0644\u0646\u0627\u0633 \u0645\u0646 \u062a\u0633\u0631\u064a\u0639 \u0631\u062d\u0644\u062a\u0647\u0645 \u0646\u062d\u0648 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\n \u0644\u0646 \u0623\u0646\u0635\u062d\u0643 \u0628\u0648\u0636\u0639 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0623\u0648 \u062a\u0642\u0644\u064a\u0635 \u062c\u0645\u064a\u0639 \u0646\u0641\u0642\u0627\u062a\u0643. \u0645\u0627 \u062a\u062d\u062a\u0627\u062c\u0647 \u0647\u0648 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0648\u0627\u0632\u0646 \u0628\u064a\u0646 \u062f\u062e\u0644\u0643 \u0648\u0646\u0641\u0642\u0627\u062a\u0643. \u0644\u0637\u0627\u0644\u0645\u0627 \u0627\u0639\u062a\u0628\u0631\u062a\u064f \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0641\u0631\u0635\u0629\u064b\u060c \u0648\u0644\u064a\u0633 \u062a\u0636\u062d\u064a\u0629\u064b.<\/p>\n \u0648\u0644\u0643\u0646 \u0639\u0644\u064a\u0643 \u0625\u064a\u062c\u0627\u062f \u0637\u0631\u064a\u0642\u0629 \u0644\u062a\u0642\u0644\u064a\u0644 \u0625\u0646\u0641\u0627\u0642\u0643 \u062d\u062a\u0649 \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u0632\u064a\u0627\u062f\u0629 \u0645\u062f\u062e\u0631\u0627\u062a\u0643.<\/p>\n \u0623\u0633\u0647\u0644 \u0637\u0631\u064a\u0642\u0629 \u0644\u0644\u0642\u064a\u0627\u0645 \u0628\u0630\u0644\u0643 \u0647\u064a \u062a\u0642\u0644\u064a\u0635 \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0633\u0643\u0646 \u0648\u0627\u0644\u0646\u0642\u0644 \u0648\u0627\u0644\u0637\u0639\u0627\u0645. \u064a\u0646\u0641\u0642 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a \u0627\u0644\u0639\u0627\u062f\u064a 70% \u0645\u0646 \u062f\u062e\u0644\u0647 \u0639\u0644\u0649 \u0627\u0644\u0633\u0643\u0646 \u0648\u0627\u0644\u0646\u0642\u0644 \u0648\u0627\u0644\u0637\u0639\u0627\u0645<\/a>\u060c \u0644\u0630\u0627 \u0625\u0630\u0627 \u062a\u0645\u0643\u0646\u062a \u0645\u0646 \u062a\u0642\u0644\u064a\u0644 \u0625\u0646\u0641\u0627\u0642\u0643 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0628\u0646\u0648\u062f (\u0644\u0646\u0642\u0644 25% \u0623\u0648 \u0646\u062d\u0648 \u0630\u0644\u0643)\u060c \u064a\u0645\u0643\u0646\u0643 \u062a\u0648\u0641\u064a\u0631 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\u0648\u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0641\u064a \u0633\u0646 \u0645\u0628\u0643\u0631\u0629\u060c \u062d\u064a\u062b \u062a\u0642\u062f\u0645 \u0646\u0635\u0627\u0626\u062d \u0648\u0625\u0631\u0634\u0627\u062f\u0627\u062a \u0639\u0645\u0644\u064a\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u0647\u0630\u0627 \u0627\u0644\u0647\u062f\u0641.<\/p>\n \u064a\u0648\u062c\u062f \u0627\u0644\u0622\u0646 \u0627\u0644\u0622\u0644\u0627\u0641 \u0645\u0646 \u0645\u062f\u0648\u0646\u0627\u062a FIRE\u060c \u0648\u0644\u0643\u0646 \u0625\u0644\u064a\u0643 \u0628\u0639\u0636 \u0627\u0644\u0645\u062f\u0648\u0646\u0627\u062a \u0627\u0644\u0631\u0627\u0626\u062f\u0629 \u0648\u0627\u0644\u0623\u0643\u062b\u0631 \u0634\u0647\u0631\u0629\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u064f\u0639\u062f\u0651 \u0645\u0646 \u0627\u0644\u0645\u0641\u0636\u0644\u0629 \u0644\u062f\u064a\u060c \u062f\u0648\u0646 \u062a\u0631\u062a\u064a\u0628 \u0645\u064f\u062d\u062f\u062f:<\/p>\n \u0628\u0627\u0644\u062a\u0623\u0643\u064a\u062f\u060c \u0623\u0639\u062a\u0642\u062f \u0623\u0646\u0647 \u064a\u0645\u0643\u0646\u0643 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0628\u0643\u0631 (FIRE) \u062d\u062a\u0649 \u0645\u0639 \u0648\u062c\u0648\u062f \u0623\u0637\u0641\u0627\u0644. \u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0623\u0646 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0623\u0637\u0641\u0627\u0644 \u0645\u0643\u0644\u0641\u0629\u060c \u0625\u0644\u0627 \u0623\u0646 \u0647\u0646\u0627\u0643 \u0628\u0627\u0644\u062a\u0623\u0643\u064a\u062f \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0637\u0631\u0642 \u0644\u062a\u0642\u0644\u064a\u0644 \u0646\u0641\u0642\u0627\u062a\u0647\u0645 \u0623\u0648 \u0625\u062c\u0631\u0627\u0621 \u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0623\u062e\u0631\u0649 \u0645\u0646 \u062d\u064a\u0627\u062a\u0643 \u0644\u062a\u0639\u0648\u064a\u0636 \u062a\u0643\u0644\u0641\u0629 \u0625\u0646\u062c\u0627\u0628\u0647\u0645.<\/p>\n \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u062a\u0646\u0641\u0642 \u0627\u0644\u063a\u0627\u0644\u0628\u064a\u0629 \u0627\u0644\u0639\u0638\u0645\u0649 \u0645\u0646 \u0627\u0644\u0646\u0627\u0633 70%-80% \u0645\u0646 \u0623\u0645\u0648\u0627\u0644\u0647\u0645 \u0639\u0644\u0649 \u0627\u0644\u0633\u0643\u0646\u060c \u0648\u0627\u0644\u0645\u0648\u0627\u0635\u0644\u0627\u062a\u060c \u0648\u0627\u0644\u0637\u0639\u0627\u0645. \u0648\u0647\u0646\u0627 \u062a\u0643\u0645\u0646 \u0623\u0643\u0628\u0631 \u0641\u0631\u0635 \u0627\u0644\u062a\u0648\u0641\u064a\u0631.<\/p>\n \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0643\u0644 \u0647\u0630\u0647 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\u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0630\u0644\u0643 \u0645\u0639 \u0648\u062c\u0648\u062f \u0623\u0637\u0641\u0627\u0644. \u0648\u064a\u0646\u0637\u0628\u0642 \u0627\u0644\u0634\u064a\u0621 \u0646\u0641\u0633\u0647 \u0639\u0644\u0649 \u0627\u0645\u062a\u0644\u0627\u0643 \u0633\u064a\u0627\u0631\u0629 \u0648\u0627\u062d\u062f\u0629 \u0648\u0637\u0647\u064a \u0627\u0644\u0637\u0639\u0627\u0645 \u0641\u064a \u0627\u0644\u0645\u0646\u0632\u0644. \u0627\u0644\u0623\u0637\u0641\u0627\u0644 \u0647\u0645 \u0645\u062c\u0631\u062f \u0645\u062a\u063a\u064a\u0631 \u0622\u062e\u0631 \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u062d\u0648\u0644\u0647. \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0628\u0643\u0631 (FIRE) \u0644\u064a\u0633 \u0628\u0627\u0644\u0623\u0645\u0631 \u0627\u0644\u0633\u0647\u0644\u060c \u0648\u0644\u0643\u0646 \u0644\u064a\u0633 \u0639\u0644\u064a\u0643\u0650 \u062a\u063a\u064a\u064a\u0631 \u0643\u0644 \u0634\u064a\u0621 \u062f\u0641\u0639\u0629 \u0648\u0627\u062d\u062f\u0629 \u2013 \u0641\u0642\u0637 \u0625\u062c\u0631\u0627\u0621 \u0628\u0639\u0636 \u0627\u0644\u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0627\u0644\u0637\u0641\u064a\u0641\u0629 \u0641\u064a \u062d\u064a\u0627\u062a\u0643\u0650 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0644\u0647 \u062a\u0623\u062b\u064a\u0631 \u0643\u0628\u064a\u0631.<\/p>\n \u0645\u062b\u0644 \u0623\u064a \u062d\u0631\u0643\u0629\u060c \u0647\u0646\u0627\u0643 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0634\u062e\u0635\u064a\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629. \u0628\u0639\u0636\u0647\u0627 \u0645\u062a\u0634\u062f\u062f \u0628\u0627\u0644\u062a\u0623\u0643\u064a\u062f.<\/p>\n \u0641\u064a \u062d\u0631\u0643\u0629 FIRE\u060c \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0639\u0646\u064a “\u0627\u0644\u062a\u0642\u0627\u0639\u062f” \u0623\u064a \u0634\u064a\u0621 \u062a\u0631\u064a\u062f\u0647. \u0641\u064a \u0631\u0623\u064a\u064a\u060c \u0644\u0627 \u064a\u0648\u062c\u062f \u062a\u0639\u0631\u064a\u0641 \u0648\u0627\u062d\u062f\u060c \u0648\u0644\u0627 \u064a\u0646\u0628\u063a\u064a \u0623\u0646 \u064a\u0643\u0648\u0646 \u0647\u0646\u0627\u0643. \u0644\u0627 \u064a\u0648\u062c\u062f \u0623\u0628\u064a\u0636 \u0648\u0623\u0633\u0648\u062f\u060c \u0648\u0627\u0644\u0633\u0639\u064a \u0648\u0631\u0627\u0621 \u062a\u0639\u0631\u064a\u0641 \u0648\u0627\u062d\u062f \u064a\u064f\u0641\u0648\u0651\u062a \u0627\u0644\u0647\u062f\u0641.<\/p>\n \u062d\u0631\u0643\u0629 FIRE\u060c \u0645\u062b\u0644 \u0623\u064a \u0645\u064f\u0633\u0645\u0651\u0649\u060c \u0645\u062b\u0644 \u0623\u064a \u0644\u063a\u0629\u060c \u0644\u0647\u0627 \u062d\u062f\u0648\u062f. \u0625\u0646\u0647 \u0645\u0633\u0627\u0631 \u062a\u064f\u062d\u062f\u0651\u062f\u0647 \u0644\u0646\u0641\u0633\u0643. \u0623\u0639\u062a\u0642\u062f \u0623\u0646 \u0628\u0639\u0636 \u0627\u0644\u0646\u0627\u0633 \u064a\u0639\u062a\u0628\u0631\u0648\u0646\u0647\u0627 \u062d\u0631\u0643\u0629 \u0646\u062e\u0628\u0648\u064a\u0629 \u0648\u064a\u062a\u062c\u0627\u0647\u0644\u0648\u0646\u0647\u0627 \u0644\u0623\u0646\u0647\u0645 \u063a\u064a\u0631 \u0645\u0633\u062a\u0639\u062f\u064a\u0646 \u0644\u0625\u062c\u0631\u0627\u0621 \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0641\u064a \u062d\u064a\u0627\u062a\u0647\u0645.<\/p>\n \u0647\u0630\u0627 \u062c\u064a\u062f. \u0644\u0643\u0646 \u0645\u0628\u0627\u062f\u0626 FIRE \u062e\u0627\u0644\u062f\u0629 \u0648\u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u064f\u063a\u064a\u0651\u0631 \u062d\u064a\u0627\u062a\u0643 \u062d\u0631\u0641\u064a\u064b\u0627 \u0625\u0630\u0627 \u0643\u0646\u062a \u0645\u0646\u0641\u062a\u062d\u064b\u0627 \u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0646\u0648\u0639 \u0645\u0646 \u0627\u0644\u062a\u063a\u064a\u064a\u0631. \u064a\u0639\u062a\u0642\u062f \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0646\u0627\u0633 \u0623\u0646\u0643 \u0628\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0644\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 FIRE\u060c \u0648\u0647\u0630\u0627 \u0644\u064a\u0633 \u0635\u062d\u064a\u062d\u064b\u0627.<\/p>\n \u0627\u0644\u0641\u0643\u0631\u0629 \u0627\u0644\u0628\u0633\u064a\u0637\u0629 \u0627\u0644\u0645\u062a\u0645\u062b\u0644\u0629 \u0641\u064a \u0632\u064a\u0627\u062f\u0629 \u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0623\u0648 \u062a\u0642\u0644\u064a\u0644 \u0623\u0643\u0628\u0631 \u0646\u0641\u0642\u0627\u062a\u0643 \u062d\u062a\u0649 \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0644\u064a\u0633\u062a \u062b\u0648\u0631\u064a\u0629\u060c \u0625\u0646\u0647\u0627 \u0639\u0645\u0644\u064a\u0629 \u0648\u064a\u0645\u0643\u0646 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647\u0627 \u0644\u0645\u0639\u0638\u0645 \u0627\u0644\u0646\u0627\u0633. \u0641\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u064a\u0645\u0643\u0646 \u0627\u0644\u0628\u062f\u0621 \u0628\u0645\u0631\u0627\u062c\u0639\u0629 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0634\u0647\u0631\u064a\u0629 \u0648\u062a\u062d\u062f\u064a\u062f \u0623\u0648\u062c\u0647 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u063a\u064a\u0631 \u0627\u0644\u0636\u0631\u0648\u0631\u064a\u0629.<\/p>\n \u0633\u0624\u0627\u0644 \u0631\u0627\u0626\u0639. \u0623\u0639\u062a\u0642\u062f \u0623\u0646 \u062d\u0631\u0643\u0629 FIRE \u0644\u062f\u064a\u0647\u0627 \u0645\u062c\u0627\u0644 \u0644\u0644\u0646\u0645\u0648\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u062a\u0633\u0645\u064a\u062a\u0647\u0627 \u062a\u0633\u0647\u0651\u0644 \u0639\u0644\u0649 \u0627\u0644\u0646\u0627\u0633 \u0623\u064a\u0636\u064b\u0627 \u062a\u062c\u0627\u0647\u0644 \u0645\u0628\u0627\u062f\u0626\u0647\u0627 \u0627\u0644\u062c\u064a\u062f\u0629 \u062d\u0642\u064b\u0627 \u0648\u0639\u0642\u0644\u064a\u062a\u0647\u0627 \u0627\u0644\u062a\u064a \u062a\u063a\u064a\u0631 \u0627\u0644\u062d\u064a\u0627\u0629.<\/p>\n![\"\"](\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/\u0637\u0631\u064a\u0642\u0629-FIRE-\u0646\u062d\u0648-\u062d\u0644\u0645-\u0627\u0644\u062a\u0642\u0627\u0639\u062f-\u0627\u0644\u0645\u0628\u0643\u0631-\u0648\u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644-\u0627\u0644\u0645\u0627\u0644\u064a-e1745424510180.jpg\")
\u0645\u0627 \u0647\u0648 \u0645\u0628\u062f\u0623 FIRE (\u0627\u0644\u062d\u0631\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0628\u0643\u0631 \u0639\u0646 \u0627\u0644\u0639\u0645\u0644)\u061f<\/h2>\n\u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a (FI)<\/h3>\n
\u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0628\u0643\u0631 (RE)<\/h3>\n
\u0639\u0646\u062f\u0645\u0627 \u062a\u062c\u0645\u0639 \u0628\u064a\u0646 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0628\u0643\u0631\u060c \u062a\u062d\u0635\u0644 \u0639\u0644\u0649 FIRE.<\/h3>\n
\u0623\u0646\u0648\u0627\u0639 \u0645\u062e\u062a\u0644\u0641\u0629 \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a:<\/h2>\n
\n
\u0628\u062f\u0627\u064a\u0629 \u062d\u0631\u0643\u0629 FIRE<\/h2>\n
\u0643\u064a\u0641\u064a\u0629 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062d\u0631\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0628\u0643\u0631: 9 \u062e\u0637\u0648\u0627\u062a \u0644\u062a\u062d\u0642\u064a\u0642 FIRE<\/h2>\n
\u0627\u0644\u062e\u0637\u0648\u0629 1: \u0641\u0643\u0631 \u0641\u064a \u0646\u0648\u0639 \u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u062a\u064a \u062a\u0631\u064a\u062f \u0623\u0646 \u062a\u0639\u064a\u0634\u0647\u0627. \u0643\u064a\u0641 \u062a\u0628\u062f\u0648 \u0627\u0644\u062d\u064a\u0627\u0629 \u0630\u0627\u062a \u0627\u0644\u0645\u063a\u0632\u0649 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0643\u061f<\/h3>\n
\u0627\u0644\u062e\u0637\u0648\u0629 2: \u0627\u0628\u062f\u0623 \u0628\u0627\u0644\u0645\u0639\u0627\u062f\u0644\u0629 \u0627\u0644\u0628\u0633\u064a\u0637\u0629: \u0645\u0627 \u0647\u0648 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u062a\u062d\u062a\u0627\u062c\u0647 \u062d\u0642\u064b\u0627\u061f<\/h3>\n
\u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u0627\u062a<\/h3>\n
\u0627\u0644\u062e\u0637\u0648\u0629 3. \u0648\u0641\u0651\u0631 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0639\u0644\u0649 \u0645\u0627 \u062a\u064f\u0642\u062f\u0651\u0631\u0647\u060c \u0648\u0644\u064a\u0633 \u0639\u0644\u0649 \u0645\u0627 \u0644\u0627 \u062a\u064f\u0642\u062f\u0651\u0631\u0647.<\/h3>\n
\u0645\u0639\u062f\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 (\u0643\u0644\u0645\u0627 \u0627\u0631\u062a\u0641\u0639 \u0645\u0639\u062f\u0644 \u0627\u062f\u062e\u0627\u0631\u0643\u060c \u0632\u0627\u062f\u062a \u0633\u0631\u0639\u0629 \u062a\u0642\u0627\u0639\u062f\u0643)<\/h4>\n
![\"\u0643\u064a\u0641\u064a\u0629](\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/savings-rate-606x1024-1.png\")
<\/p>\n\u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 (\u0623\u0648 \u0628\u0627\u0644\u0623\u062d\u0631\u0649 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0648\u062d\u064a\u062f\u0629 \u0627\u0644\u062a\u064a \u0633\u062a\u062d\u062a\u0627\u062c\u0647\u0627 \u0639\u0644\u0649 \u0627\u0644\u0625\u0637\u0644\u0627\u0642)<\/h4>\n
\u0627\u0644\u062e\u0637\u0648\u0629 4: \u0633\u062f\u0627\u062f \u062f\u064a\u0648\u0646\u0643 \u0627\u0644\u0633\u064a\u0626\u0629\u060c \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062f\u064a\u0648\u0646\u0643 \u0627\u0644\u062c\u064a\u062f\u0629<\/h3>\n
\u0627\u0644\u062e\u0637\u0648\u0629 5. \u062d\u0633\u0651\u0650\u0646 \u0648\u0638\u064a\u0641\u062a\u0643 \u0628\u062f\u0648\u0627\u0645 \u0643\u0627\u0645\u0644\u060c \u0648\u0627\u062d\u0635\u0644 \u0639\u0644\u0649 \u0632\u064a\u0627\u062f\u0629\u060c \u0648\u0627\u0628\u0646\u0650 \u0645\u0647\u0627\u0631\u0627\u062a \u062c\u062f\u064a\u062f\u0629<\/h3>\n
\u0627\u0644\u062e\u0637\u0648\u0629 6. \u0627\u0628\u062f\u0623 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u062c\u0627\u0646\u0628\u064a\u064b\u0627<\/h3>\n
\u0627\u0644\u062e\u0637\u0648\u0629 7. \u0627\u0633\u062a\u062b\u0645\u0631 \u0642\u062f\u0631 \u0627\u0633\u062a\u0637\u0627\u0639\u062a\u0643\u060c \u0648\u0628\u0623\u0642\u0635\u0649 \u062a\u0631\u062f\u062f \u0645\u0645\u0643\u0646\u060c \u0641\u064a \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0645\u0646\u062e\u0641\u0636\u0629 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0644\u0633\u0648\u0642 \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0623\u0648 S&P 500<\/h3>\n
\u0627\u0644\u062e\u0637\u0648\u0629 8: \u062a\u062a\u0628\u0639 \u0635\u0627\u0641\u064a \u062b\u0631\u0648\u062a\u0643 \u0648\u0623\u062f\u0627\u0621 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643<\/h3>\n
\u0627\u0644\u062e\u0637\u0648\u0629 9. \u062b\u0645 \u062e\u0630 \u0627\u0644\u0623\u0645\u0648\u0631 \u064a\u0648\u0645\u064b\u0627 \u0628\u064a\u0648\u0645\u060c \u0644\u0643\u0646 \u0643\u0648\u0651\u0646 \u0623\u0641\u0636\u0644 \u0627\u0644\u0639\u0627\u062f\u0627\u062a \u0627\u0644\u064a\u0648\u0645\u064a\u0629<\/h3>\n
\u0623\u0641\u0636\u0644 \u0643\u062a\u0628 FIRE<\/h2>\n
\u0623\u0641\u0636\u0644 \u0645\u062f\u0648\u0646\u0627\u062a FIRE<\/h2>\n
\n
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\u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u062d\u0648\u0644 \u062d\u0631\u0643\u0629 FIRE<\/h2>\n
\u0647\u0644 \u064a\u0645\u0643\u0646 \u0644\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0630\u064a\u0646 \u0644\u062f\u064a\u0647\u0645 \u0623\u0637\u0641\u0627\u0644 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0628\u0643\u0631 (FIRE)\u061f<\/h3>\n
\u0647\u0644 \u062d\u0631\u0643\u0629 FIRE \u062d\u0631\u0643\u0629 \u0646\u062e\u0628\u0648\u064a\u0629\u061f<\/h3>\n
\u0645\u0627 \u0647\u0648 \u0645\u0633\u062a\u0642\u0628\u0644 \u062d\u0631\u0643\u0629 FIRE \u0628\u0631\u0623\u064a\u0643\u061f \u0647\u0644 \u0633\u062a\u0643\u0648\u0646 \u0645\u062c\u0631\u062f \u0635\u064a\u062d\u0629 \u0639\u0627\u0628\u0631\u0629 \u0623\u0645 \u0623\u0646\u0647\u0627 \u0633\u062a\u062a\u062c\u0627\u0648\u0632 \u0630\u0644\u0643\u061f<\/h3>\n