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<html><body>V&#7915;a c&oacute; l&#432;&#417;ng, &#273;&atilde; h&#7871;t ti&#7873;n? &#272;&acirc;y l&agrave; gi&#7843;i ph&aacute;pCh&uacute;ng ta v&#7851;n th&#432;&#7901;ng hay &#273;&#432;a ra c&aacute;c quy&#7871;t &#273;&#7883;nh ti&ecirc;u ti&#7873;n sai l&#7847;m m&agrave; ch&iacute;nh b&#7843;n th&acirc;n c&#361;ng kh&ocirc;ng th&#7875; l&yacute; gi&#7843;i n&#7893;i. C&oacute; m&#7897;t s&#7921; th&#7853;t &#273;&#432;&#7907;c ch&#7881; ra t&#7915; nghi&ecirc;n c&#7913;u khoa h&#7885;c: Nh&#7919;ng quy&#7871;t &#273;&#7883;nh ti&ecirc;u ti&#7873;n th&#432;&#7901;ng kh&ocirc;ng d&#7921;a tr&ecirc;n logic. Tuy nhi&ecirc;n, b&#7841;n v&#7851;n c&oacute; th&#7875; ti&#7871;t ki&#7879;m &#273;&#432;&#7907;c nhi&#7873;u ti&#7873;n h&#417;n, nh&#432; r&#7845;t nhi&#7873;u c&aacute; nh&acirc;n th&agrave;nh c&ocirc;ng v&#7873; t&agrave;i ch&iacute;nh, b&#7857;ng c&aacute;ch thay &#273;&#7893;i tri&#7879;t &#273;&#7875; t&#432; duy v&#7873; ti&#7871;t ki&#7879;m.Nh&#7855;c &#273;&#7871;n ti&#7873;n, t&#7845;t c&#7843; nh&#7919;ng g&igrave; ch&uacute;ng ta ngh&#297; ra ch&#7881; l&agrave; m&#7897;t con s&#7889;. Thu nh&#7853;p v&agrave; chi ti&ecirc;u, cho vay v&agrave; &#273;i vay, t&#7845;t c&#7843; &#273;&#417;n gi&#7843;n ch&#7881; l&agrave; tr&ograve; ch&#417;i c&#7911;a nh&#7919;ng con s&#7889;. Th&#7853;m ch&iacute; c&#7843; nh&#7919;ng ng&#432;&#7901;i c&oacute; IQ cao ng&#7845;t ng&#432;&#7903;ng c&#361;ng &#273;&ocirc;i l&uacute;c ph&#7843;i &#273;au &#273;&#7847;u v&igrave; ti&#7873;n b&#7841;c. T&#7845;t c&#7843; ch&uacute;ng ta, l&uacute;c n&agrave;y hay l&uacute;c kh&aacute;c, c&#361;ng &#273;&atilde; t&#7915;ng &#273;&#432;a ra quy&#7871;t &#273;&#7883;nh ti&ecirc;u ti&#7873;n kh&ocirc;ng d&#7921;a tr&ecirc;n logic, m&agrave; d&#7921;a v&agrave;o c&#7843;m x&uacute;c. C&oacute; l&#7869; b&#7841;n &#273;&atilde; t&#7915;ng ch&#7885;n m&#7897;t m&oacute;n &#273;&#7891; v&#7899;i gi&aacute; cao h&#417;n, v&igrave; ng&#432;&#7901;i b&aacute;n h&agrave;ng g&#7907;i cho b&#7841;n c&#7843;m gi&aacute;c &#273;&oacute; l&agrave; m&#7897;t m&oacute;n h&#7901;i; hay b&#7887; ti&#7873;n ra &nbsp;mua g&igrave; &#273;&oacute; v&igrave; c&#7843;m th&#7845;y ng&#7841;i ch&#7889;i t&#7915;.Nghi&ecirc;n c&#7913;u t&#7915; Kinh t&#7871; h&#7885;c h&agrave;nh vi cho th&#7845;y c&oacute; r&#7845;t nhi&#7873;u tr&#432;&#7901;ng h&#7907;p m&agrave; con ng&#432;&#7901;i ta &#273;&#432;a ra quy&#7871;t &#273;&#7883;nh m&#7897;t c&aacute;ch &#273;&#7847;y kh&oacute; hi&#7875;u, nh&#432;: s&#7861;n s&agrave;ng chi tr&#7843; nhi&#7873;u h&#417;n cho c&aacute;c giao d&#7883;ch v&#7899;i th&#7867; t&iacute;n d&#7909;ng thay v&igrave; ti&#7873;n m&#7863;t, d&ugrave; bi&#7871;t r&#7857;ng l&atilde;i su&#7845;t ti&#7871;t ki&#7879;m th&igrave; th&#7845;p m&agrave; l&atilde;i cho vay t&iacute;n d&#7909;ng s&#7869; v&ocirc; c&ugrave;ng cao. Karen Pine, m&#7897;t nh&agrave; nghi&ecirc;n c&#7913;u Kinh t&#7871;, t&aacute;c gi&#7843; c&#7911;a cu&#7889;n s&aacute;ch &ldquo;Sheconomics&rdquo; &#273;&atilde; nh&#7853;n &#273;&#7883;nh r&#7857;ng, s&#7921; v&ocirc; l&yacute; trong c&aacute;c quy&#7871;t &#273;&#7883;nh chi ti&ecirc;u c&oacute; s&#7921; kh&aacute;c nhau gi&#7919;a nam v&agrave; n&#7919;.<figure class="image"><img src="http://note.moneylover.vn/content/images/2017/09/-999x-999--1-.gif" alt=""></figure>T&#7841;i sao con ng&#432;&#7901;i l&#7841;i c&oacute; xu h&#432;&#7899;ng &#273;&#432;a ra nh&#7919;ng quy&#7871;t &#273;&#7883;nh sai l&#7847;m v&#7873; ti&#7873;n b&#7841;c? C&acirc;u tr&#7843; l&#7901;i l&agrave;, ti&#7873;n kh&ocirc;ng ch&#7881; l&agrave; m&#7897;t tr&ograve; ch&#417;i c&#7911;a con s&#7889;, ti&#7873;n ch&iacute;nh l&agrave; t&acirc;m l&yacute; c&#7911;a con ng&#432;&#7901;i. N&oacute;i theo ng&ocirc;n ng&#7919; c&#7911;a T&acirc;m l&yacute; h&#7885;c, ch&uacute;ng ta &#273;&#7873;u l&agrave; nh&#7919;ng k&#7867; ho&#7841;ch &#273;&#7883;nh k&eacute;m c&#7887;i. T&#432; duy ti&#7873;n b&#7841;c c&#7911;a ch&uacute;ng ta &#273;&#432;&#7907;c &#273;&#7883;nh h&igrave;nh ch&#7859;ng ph&#7843;i b&#7857;ng s&#7921; kh&ocirc;n ngoan m&agrave; ch&iacute;nh l&agrave; s&#7921; thi&ecirc;n v&#7883; v&agrave; nh&#7919;ng y&#7871;u t&#7889; &#7849;n gi&#7845;u kh&aacute;c. Nh&#7919;ng y&#7871;u t&#7889; n&agrave;y n&#7871;u kh&ocirc;ng s&#7899;m &#273;&#432;&#7907;c ph&aacute;t hi&#7879;n v&agrave; &#273;i&#7873;u ch&#7881;nh, s&#7869; d&#7851;n t&#7899;i nh&#7919;ng &#273;i&#7875;m m&ugrave; v&#7873; t&agrave;i ch&iacute;nh. D&#432;&#7899;i &#273;&acirc;y l&agrave; m&#7897;t s&#7889; nh&#7919;ng y&#7871;u t&#7889; &#7843;nh h&#432;&#7903;ng &#273;&#7871;n vi&#7879;c ra quy&#7871;t &#273;&#7883;nh:Nh&#7919;ng th&ocirc;ng &#273;i&#7879;p c&#7911;a tu&#7893;i th&#417;. B&#7841;n &#273;&atilde; t&#7915;ng nghe &#273;i&#7873;u n&agrave;y khi c&ograve;n b&eacute;? R&#7857;ng ti&#7873;n kh&ocirc;ng m&#7885;c t&#7915; tr&ecirc;n c&acirc;y. Ti&#7873;n l&agrave; ngu&#7891;n g&#7889;c c&#7911;a t&#7897;i &aacute;c. B&#7889; v&agrave; m&#7865; b&#7841;n &#273;&atilde; t&#7915;ng tranh c&atilde;i kh&ocirc;ng d&#7913;t v&#7873; chuy&#7879;n ti&#7873;n nong, hay ti&#7873;n l&agrave; ch&#7911; &#273;&#7873; c&#7845;m k&#7925;? Nh&#7919;ng th&ocirc;ng &#273;i&#7879;p n&agrave;y s&#7869; ti&#7871;p t&#7909;c &#7843;nh h&#432;&#7903;ng &#273;&#7871;n c&aacute;ch ngh&#297; v&#7873; ti&#7873;n c&#7911;a b&#7841;n cho &#273;&#7871;n l&uacute;c b&#7841;n tr&#432;&#7903;ng th&agrave;nh, m&#7897;t c&aacute;ch v&ocirc; th&#7913;c. C&aacute;c nghi&ecirc;n c&#7913;u &#273;&atilde; ch&#7881; ra s&#7921; &#7843;nh h&#432;&#7903;ng n&agrave;y m&#7841;nh m&#7869; h&#417;n &#7903; n&#7919; gi&#7899;i, nh&#7919;ng ng&#432;&#7901;i cho r&#7857;ng ti&#7873;n l&agrave; m&#7897;t v&#7845;n &#273;&#7873; &#273;&#432;&#7907;c truy&#7873;n t&#7843;i b&#7857;ng c&#7843;m x&uacute;c.H&igrave;nh m&#7851;u l&yacute; t&#432;&#7903;ng. Trong gia &#273;&igrave;nh b&#7841;n, ai l&agrave; ng&#432;&#7901;i &nbsp;&#273;&#432;a ra nh&#7919;ng quy&#7871;t &#273;&#7883;nh l&#7899;n v&#7873; t&agrave;i ch&iacute;nh? T&#7915; tr&#432;&#7899;c t&#7899;i nay &#273;&oacute; l&agrave; ng&#432;&#7901;i &#273;&agrave;n &ocirc;ng. Ch&iacute;nh s&#7921; thi&#7871;u v&#7855;ng h&igrave;nh m&#7851;u n&#7919; l&yacute; t&#432;&#7903;ng n&agrave;y t&#7915; b&eacute; l&yacute; gi&#7843;i cho vi&#7879;c nh&#7919;ng ng&#432;&#7901;i ph&#7909; n&#7919; c&oacute; n&#259;ng l&#7921;c v&agrave; c&oacute; h&#7885;c th&#7913;c v&#7851;n g&#7863;p kh&oacute; kh&#259;n trong qu&#7843;n l&yacute; t&agrave;i ch&iacute;nh khi tr&#432;&#7903;ng th&agrave;nh.T&acirc;m l&yacute;. C&#417; th&#7875; c&#7911;a ch&uacute;ng ta tr&agrave;n ng&#7853;p nh&#7919;ng ho&oacute;c m&ocirc;n v&agrave; ph&#7843;n &#7913;ng h&oacute;a h&#7885;c, m&agrave; m&#7895;i l&uacute;c l&#7841;i t&#7841;o ra cho c&#417; th&#7875; nh&#7919;ng h&agrave;nh vi kh&aacute;c nhau. &#272;i&#7873;u n&agrave;y c&#361;ng t&#7841;o n&ecirc;n h&agrave;nh vi ti&ecirc;u ti&#7873;n. Nghi&ecirc;n c&#7913;u c&#7911;a Karen &#273;&atilde; ch&#7881; ra r&#7857;ng, trong k&#7923; kinh nguy&#7879;t, ph&#7909; n&#7919; th&#432;&#7901;ng kh&ocirc;ng t&#7921; &#273;i&#7873;u ti&#7871;t &#273;&#432;&#7907;c c&aacute;c quy lu&#7853;t m&agrave; c&aacute; nh&acirc;n h&#7885; t&#7921; &#273;&#7863;t ra v&agrave; chi ti&ecirc;u m&#7897;t c&aacute;ch b&#7889;c &#273;&#7891;ng. &nbsp;C&ograve;n &#7903; nam gi&#7899;i, ho&oacute;c m&ocirc;n Testosterone c&oacute; th&#7875; g&acirc;y ra nh&#7919;ng h&agrave;nh vi c&#7841;nh tranh v&agrave; ti&ecirc;u ti&#7873;n m&#7897;t c&aacute;ch li&#7873;u l&#297;nh. Ph&#7843;n &#7913;ng c&#7911;a s&#7921; vui v&#7867; trong n&atilde;o ch&uacute;ng ta, ho&oacute;c m&ocirc;n Endorphins, c&oacute; th&#7875; l&yacute; gi&#7843;i l&yacute; do v&igrave; sao ch&uacute;ng ta quy&#7871;t &#273;&#7883;nh mua ch&#7913; kh&ocirc;ng k&igrave; k&egrave;o ng&atilde; gi&aacute; th&ecirc;m.M&ocirc;i tr&#432;&#7901;ng. Nh&#7919;ng chi&#7871;n thu&#7853;t marketing kh&eacute;o l&eacute;o c&oacute; th&#7875; l&agrave;m ch&uacute;ng ta b&#7887; ra nh&#7919;ng &#273;&#7891;ng ti&#7873;n ki&#7871;m &#273;&#432;&#7907;c t&#7915; m&#7891; h&ocirc;i n&#432;&#7899;c m&#7855;t. Nh&#7919;ng &acirc;m thanh d&#7877; ch&#7883;u, nh&#7919;ng m&ugrave;i h&#432;&#417;ng h&#7845;p d&#7851;n v&agrave; nh&#7919;ng bi&#7875;n qu&#7843;ng c&aacute;o r&#7921;c r&#7905; cu&#7889;i c&ugrave;ng s&#7869; &#273;&aacute;nh th&#7913;c tr&#7921;c gi&aacute;c, k&yacute; &#7913;c v&agrave; c&#7843;m x&uacute;c c&#7911;a m&#7895;i ch&uacute;ng ta. V&agrave; khi &#273;&oacute;, m&#7885;i logic s&#7869; b&#7883; &#273;&egrave; b&#7865;p v&agrave; ch&uacute;ng ta l&#7841;i ti&ecirc;u ti&#7873;n.S&#7921; h&agrave;i l&ograve;ng t&#7913;c th&igrave;. &ldquo;Mua b&acirc;y gi&#7901;, tr&#7843; sau&rdquo;, &ldquo;Click &#273;&#7875; mua&rdquo;, &ldquo;Chuy&#7875;n ph&aacute;t nhanh ch&oacute;ng&rdquo;. Kh&ocirc;ng gi&#7889;ng nh&#432; th&#7871; h&#7879; tr&#432;&#7899;c, ch&uacute;ng ta ho&agrave;n to&agrave;n c&oacute; th&#7875; s&#7903; h&#7919;u th&#7913; ch&uacute;ng ta mu&#7889;n m&agrave; kh&ocirc;ng c&#7847;n ph&#7843;i tr&igrave; ho&atilde;n mong mu&#7889;n. Ti&#7871;t ki&#7879;m v&agrave; &#273;&#7847;u t&#432; c&oacute; th&#7875; tr&igrave; ho&atilde;n, v&igrave; cu&#7889;i c&ugrave;ng s&#7921; ch&#7901; &#273;&#7907;i s&#7869; nh&#7853;n &#273;&#432;&#7907;c ph&#7847;n th&#432;&#7903;ng x&#7913;ng &#273;&aacute;ng. Nh&#432;ng &#273;i&#7873;u &#273;&oacute; ch&#7881; x&#7843;y ra khi ch&uacute;ng ta v&#432;&#7907;t qua &#273;&#432;&#7907;c s&#7913;c h&uacute;t m&#7841;nh m&#7869; c&#7911;a vi&#7879;c s&#7903; h&#7919;u th&#7913; ch&uacute;ng ta mu&#7889;n ngay b&acirc;y gi&#7901;.&nbsp;C&#7843;m x&uacute;c. Ti&#7873;n c&oacute; th&#7875; l&agrave; s&#7913;c m&#7841;nh, s&#7921; x&#7845;u h&#7893;, s&#7921; nu&#7889;i ti&#7871;c, s&#7921; &#273;i&#7873;u khi&#7875;n v&agrave; s&#7921; an to&agrave;n. Nhi&#7873;u ph&#7909; n&#7919; n&oacute;i r&#7857;ng vi&#7879;c ti&ecirc;u ti&#7873;n l&agrave;m h&#7885; b&#7899;t c&#7843;m th&#7845;y x&#7845;u h&#7893;, t&#7897;i l&#7895;i ho&#7863;c lo s&#7907;: t&#7845;t c&#7843; nh&#7919;ng c&#7843;m x&uacute;c m&#7841;nh m&#7869; &#273;&#7873;u c&oacute; th&#7875; ph&aacute; ho&#7841;i nh&#7919;ng suy ngh&#297; v&#7873; s&#7921; h&#7907;p l&yacute; khi ti&ecirc;u ti&#7873;n. N&#7871;u h&#7885; kh&ocirc;ng th&#7875; v&#432;&#7907;t qua nh&#7919;ng c&#7843;m x&uacute;c &#273;&oacute;, h&#7885; v&#7851;n s&#7869; mua.Th&#7921;c ra th&igrave; kh&ocirc;ng ph&#7843;i l&uacute;c n&agrave;o s&#7921; v&ocirc; l&yacute; trong chi ti&ecirc;u c&#361;ng x&#7843;y ra. Ch&uacute;ng ta ph&#7843;i bi&#7871;t r&#7857;ng, ti&#7873;n l&agrave; m&#7897;t cu&#7897;c chi&#7871;n gi&#7919;a hai b&aacute;n c&#7847;u n&atilde;o: s&#7921; logic &#7903; n&atilde;o tr&aacute;i v&agrave; c&#7843;m x&uacute;c &#7903; n&atilde;o ph&#7843;i. V&agrave; m&#7863;c d&ugrave; nam v&agrave; n&#7919; &#273;&#7873;u b&#7883; &#7843;nh h&#432;&#7903;ng b&#7903;i c&#7843;m x&uacute;c, th&igrave; m&#7897;t s&#7889; y&#7871;u t&#7889; v&#7851;n s&#7869; l&ocirc;i k&eacute;o ph&aacute;i n&#7919; m&#7841;nh m&#7869; h&#417;n. &#272;i&#7873;u n&agrave;y, c&ugrave;ng v&#7899;i &#273;&#7897; tu&#7893;i ki&#7871;m ti&#7873;n, c&oacute; th&#7875; gi&#7843;i th&iacute;ch l&yacute; do v&igrave; sao ph&#7909; n&#7919; lu&ocirc;n c&oacute; m&#7913;c l&#432;&#417;ng h&#432;u th&#7845;p h&#417;n v&agrave; ti&#7871;t ki&#7879;m &#273;&#432;&#7907;c &iacute;t h&#417;n nam gi&#7899;i.<figure class="image"><img src="http://note.moneylover.vn/content/images/2017/09/-999x-999--2-.gif" alt=""></figure>Ch&uacute;ng ta n&ecirc;n l&agrave;m g&igrave; &#273;&#7875; c&#7913;u b&#7843;n th&acirc;n kh&#7887;i nh&#7919;ng s&#7921; sai l&#7847;m k&#7875; tr&ecirc;n? &#272;i&#7873;u ch&#7881;nh th&oacute;i quen suy ngh&#297; c&#7911;a b&#7841;n c&oacute; th&#7875; l&agrave; m&#7897;t c&aacute;ch h&#7919;u hi&#7879;u, b&#7903;i vi&#7879;c t&#7841;o ra th&oacute;i quen ti&ecirc;u ti&#7873;n c&oacute; l&#7907;i c&oacute; th&#7875; gi&uacute;p b&#7841;n h&#432;&#7899;ng b&#7843;n th&acirc;n theo th&oacute;i quen &#273;&oacute; c&#7843; &#273;&#7901;i. Nh&agrave; tri&#7871;t h&#7885;c Marcus Aurelius t&#7915;ng n&oacute;i: &ldquo;Nh&#7919;ng suy ngh&#297; theo th&oacute;i quen r&#7891;i s&#7869; tr&#7903; th&agrave;nh c&aacute;ch suy ngh&#297; c&#7911;a b&#7841;n&rdquo;. N&oacute;i &#273;&#417;n gi&#7843;n h&#417;n: B&#7841;n ch&iacute;nh l&agrave; nh&#7919;ng g&igrave; b&#7841;n ngh&#297;.Ch&#7881; c&#7847;n m&#7897;t v&agrave;i thay &#273;&#7893;i &#273;&#417;n gi&#7843;n v&#7873; c&aacute;i nh&igrave;n v&#7873; ti&#7873;n v&agrave; c&aacute;ch ti&ecirc;u ti&#7873;n c&#7911;a b&#7841;n, b&#7841;n c&oacute; th&#7875; &#273;&#7841;t m&#7909;c ti&ecirc;u an to&agrave;n v&#7873; t&agrave;i ch&iacute;nh s&#7899;m h&#417;n. &#272;&acirc;y l&agrave; m&#7897;t s&#7889; b&iacute; k&iacute;p b&#7841;n c&oacute; th&#7875; d&ugrave;ng &#273;&#7875; &#273;i&#7873;u ch&#7881;nh l&#7841;i b&#7843;n th&acirc;n:<ol><li>&nbsp;&nbsp;&nbsp;&nbsp; &#272;&#7863;t m&#7909;c ti&ecirc;u &ndash; nh&#432;ng ph&#7843;i th&#7853;t th&#7921;c t&#7871;</li></ol>T&#7889;t nh&#7845;t l&agrave; b&#7841;n n&ecirc;n c&oacute; m&#7897;t &yacute; t&#432;&#7903;ng r&otilde; r&agrave;ng v&#7873; nh&#7919;ng g&igrave; b&#7841;n mu&#7889;n &#273;&#7841;t &#273;&#432;&#7907;c. Khi b&#7841;n mu&#7889;n v&#7873; h&#432;u, b&#7841;n s&#7869; s&#7889;ng b&#7857;ng ngu&#7891;n thu nh&#7853;p n&agrave;o? Ngay b&acirc;y gi&#7901; b&#7841;n ph&#7843;i b&#7855;t &#273;&#7847;u nh&#7919;ng g&igrave; c&#7847;n thi&#7871;t &#273;&#7875; ti&#7871;t ki&#7879;m cho tu&#7893;i gi&agrave;. Nh&#432;ng h&atilde;y ch&#7855;c ch&#7855;n r&#7857;ng s&#7889; ti&#7873;n m&agrave; b&#7841;n &#273;&#7875; d&agrave;nh s&#7869; kh&ocirc;ng &#7843;nh h&#432;&#7903;ng &#273;&#7871;n c&aacute;c chi ti&ecirc;u c&#417; b&#7843;n c&#7911;a b&#7841;n.<ol><li>&nbsp;&nbsp;&nbsp;&nbsp; Ph&#7847;n l&#432;&#417;ng &#273;&#432;&#7907;c t&#259;ng l&agrave; ph&#7847;n &#273;&#7875; ti&#7871;t ki&#7879;m, ch&#7913; kh&ocirc;ng ph&#7843;i &#273;&#7875; ti&ecirc;u</li></ol>Th&#7853;t d&#7877; d&agrave;ng &#273;&#7875; t&#259;ng th&ecirc;m c&aacute;c kho&#7843;n chi ti&ecirc;u v&agrave; mua s&#7855;m khi l&#432;&#417;ng c&#7911;a b&#7841;n t&#259;ng. Nh&#432;ng thay v&igrave; l&agrave;m nh&#432; v&#7853;y, h&atilde;y ti&#7871;p t&#7909;c s&#7889;ng b&#7857;ng kho&#7843;n ti&#7873;n nh&#432; tr&#432;&#7899;c khi b&#7841;n &#273;&#432;&#7907;c t&#259;ng l&#432;&#417;ng. B&#7841;n c&oacute; th&#7875; s&#7917; d&#7909;ng kho&#7843;n th&ecirc;m &#273;&oacute; &#273;&#7875; tr&#7843; n&#7907; ho&#7863;c ti&#7871;t ki&#7879;m cho tu&#7893;i gi&agrave;.<ol><li>&nbsp;&nbsp;&nbsp;&nbsp; Ch&#7885;n th&#7901;i &#273;i&#7875;m th&#7853;t c&#7849;n th&#7853;n</li></ol>&#272;&#7915;ng &#273;&#432;a nh&#7919;ng quy&#7871;t &#273;&#7883;nh t&agrave;i ch&iacute;nh quan tr&#7885;ng sau m&#7897;t ng&agrave;y l&agrave;m vi&#7879;c m&#7879;t m&#7887;i. Nghi&ecirc;n c&#7913;u &#273;&atilde; ch&#7881; ra r&#7857;ng n&#7871;u b&#7841;n &#273;&oacute;i, m&#7879;t ho&#7863;c &#273;&atilde; &#273;&#432;a ra qu&aacute; nhi&#7873;u quy&#7871;t &#273;&#7883;nh trong ng&agrave;y, b&#7841;n s&#7869; kh&oacute; m&agrave; s&aacute;ng su&#7889;t &#273;&#7875; &#273;&#432;a ra nh&#7919;ng quy&#7871;t &#273;&#7883;nh &#273;&uacute;ng &#273;&#7855;n v&agrave;o cu&#7889;i ng&agrave;y.<ol><li>&nbsp;&nbsp;&nbsp;&nbsp; &#272;o&aacute;n tr&#432;&#7899;c nh&#7919;ng l&uacute;c b&#7841;n b&#7883; c&aacute;m d&#7895;</li></ol>Ngay c&#7843; nh&#7919;ng ng&#432;&#7901;i c&oacute; s&#7913;c m&#7841;nh &yacute; ch&iacute; m&#7841;nh m&#7869; nh&#7845;t c&#361;ng s&#7869; c&oacute; l&uacute;c g&#7863;p r&#7855;c r&#7889;i v&#7899;i k&#7871; ho&#7841;ch chi ti&ecirc;u. H&atilde;y c&#7843;nh gi&aacute;c nh&#7919;ng l&uacute;c b&#7841;n c&oacute; th&#7875; r&#417;i v&agrave;o th&oacute;i quen chi ti&ecirc;u x&#7845;u x&iacute; nh&#432; c&#361;, v&agrave; h&atilde;y ngh&#297; ngay t&#7899;i c&aacute;ch &#273;&#7875; tho&aacute;t kh&#7887;i s&#7921; c&aacute;m d&#7895; &#273;&oacute; khi n&oacute; b&#7855;t &#273;&#7847;u xu&#7845;t hi&#7879;n.<ol><li>&nbsp;&nbsp;&nbsp;&nbsp; Coi ti&#7871;t ki&#7879;m l&agrave; m&oacute;n qu&agrave; cho t&#432;&#417;ng lai c&#7911;a b&#7841;n</li></ol>H&atilde;y ti&#7871;t ki&#7879;m cho nh&#7919;ng g&igrave; t&iacute;ch c&#7921;c, v&iacute; v&#7909; nh&#432; m&#7897;t k&#7871; ho&#7841;ch t&agrave;i ch&iacute;nh t&#7921; do trong t&#432;&#417;ng lai, h&#417;n l&agrave; m&#7897;t kho&#7843;n ti&#7873;n nh&agrave;m ch&aacute;n v&agrave; c&#7913;ng nh&#7855;c. Th&#7853;t kh&oacute; &#273;&#7875; ngh&#297; b&#7843;n th&acirc;n l&agrave; m&#7897;t ng&#432;&#7901;i ngh&#7881; h&#432;u &#7903; &#273;&#7897; tu&#7893;i 20 ho&#7863;c 30, nh&#432;ng h&igrave;nh dung c&#7909; th&#7875; vi&#7877;n c&#7843;nh v&#7873; h&#432;u c&#7911;a b&#7841;n ho&#7863;c m&#7897;t k&#7923; ngh&#7881; trong m&#417; c&#361;ng s&#7869; l&agrave;m cho k&#7871; ho&#7841;ch ti&#7871;t ki&#7879;m tr&#7903; n&ecirc;n th&#7921;c t&#7871; h&#417;n.Ngu&#7891;n tham kh&#7843;o: The Guardian</body></html>

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