{"id":3462,"date":"2025-01-02T02:23:49","date_gmt":"2025-01-02T02:23:49","guid":{"rendered":"https:\/\/ximply.io\/?post_type=article&p=3462"},"modified":"2025-01-05T05:43:12","modified_gmt":"2025-01-05T05:43:12","slug":"6-financial-levels-according-to-jdroth-which-level-are-you-on","status":"publish","type":"article","link":"https:\/\/ximply.io\/id\/article\/6-financial-levels-according-to-jdroth-which-level-are-you-on\/","title":{"rendered":"6 Financial Levels According to J.D. Roth \u2013 Which Level Are You On?"},"content":{"rendered":"\n

Financial freedom <\/em>atau kebebasan finansial merupakan level finansial tertinggi. Apa itu kebebasan finansial? Seberapa penting sih kebebasan finansial bagi seseorang? Kebebasan finansial atau financial freedom <\/em>artinya keadaan seseorang yang memiliki passive income<\/em> yang mencukupi, dan terbebas dari segala jenis utang.<\/p>\n\n\n\n

Tujuan dari level finansial ini yaitu untuk dapat mengetahui sedang berada di posisi finansial yang mana kamu saat ini. Sehingga kamu dapat mengetahui apa saja yang harus dilakukan untuk meningkatkan posisi tersebut. Kebebasan finansial dapat dicapai ketika kamu memiliki kontrol atas uang yang kamu miliki, bukan sebaliknya.<\/p>\n\n\n\n

Menurut J.D. Roth, terdapat 6 tingkatan finansial. Lalu apa saja level finansial itu? Yuk simak penjelasan nya.<\/p>\n\n\n\n

1. Financial Dependent<\/h2>\n\n\n\n

Financial dependent<\/em> atau ketergantungan finansial adalah keadaan seseorang yang masih suka bergantung kepada orang lain. Semua orang pasti memulai di level ini, seperti seorang anak yang belum memiliki penghasilan pasti akan bergantung kepada orang tua nya.<\/p>\n\n\n

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\"financial<\/figure>\n<\/div>\n\n\n

2. Financial Solvency<\/h2>\n\n\n\n

Pada level 2 ini, kamu sudah memiliki penghasilan untuk memenuhi biaya hidup, dan seharusnya penghasilan tersebut bisa menutup hutang yang kamu punya. Maka dari itu, untuk menjaga keuangan mu agar tetap sehat, kamu tidak boleh memiliki hutang melebihi 30% dari penghasilan mu.<\/p>\n\n\n

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\"financial<\/figure>\n<\/div>\n\n\n

3. Financial Stability<\/h2>\n\n\n\n

Kamu bisa mulai memiliki cash flow<\/em> yang positif pada level ini. Karena di level financial stability<\/em> kamu bisa menabung untuk dana darurat dengan besarnya 3-6 kali dari pengeluaran mu (untuk single)<\/em>. Dana darurat ini bisa kamu gunakan untuk mem-backup <\/em>apabila ada keadaan darurat yang mengharuskan kamu mengeluarkan dana lebih.<\/p>\n\n\n

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\"financial<\/figure>\n<\/div>\n\n\n

4. Financial Security<\/h2>\n\n\n\n

Seseorang yang memiliki passive income<\/em> untuk memenuhi kebutuhan jangka pendek artinya dia sudah berada di level ini. Pada level ini, kamu sudah bisa memulai untuk memikirkan masa pensiun.<\/p>\n\n\n

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\"financial<\/figure>\n<\/div>\n\n\n

5. Financial Independence<\/h2>\n\n\n\n

Di level ini merupakan level yang diimpikan semua orang yaitu level financial independence<\/em>. Karena pada level ini kamu memiliki passive income<\/em> untuk jangka pendek dan jangka panjang. Untuk mencapai level ini, kamu harus menginvestasikan sebagian uang dari penghasilan yang kamu dapatkan agar suatu saat kamu bisa mencapai level financial independence<\/em> ini.<\/p>\n\n\n

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\"financial<\/figure>\n<\/div>\n\n\n

6. Financial Abundance<\/h2>\n\n\n\n

Level terakhir yaitu level financial abundance<\/em> atau kelimpahan finansial. Seseorang yang berada di level ini memiliki passive income<\/em> yang tidak akan habis, memiliki sistem keuangan yang kuat, dan tidak akan memiliki ke khawatiran tentang finansial karena kekayaan nya sudah melimpah. Pada level ini biasanya orang akan cenderung memiliki hasrat atau keinginan untuk membantu sesama.<\/p>\n\n\n

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\"financial<\/figure>\n<\/div>\n\n\n

Nah itulah 6 level finansial menurut J.D Roth. Setelah membaca artikel diatas, kamu berada di level yang mana nih? Tapi, di level manapun kamu sekarang, dengan memahami level finansial saja sudah menjadi langkah awal yang sangat baik. Karena dengan memahami level finansial ini kamu bisa menyiapkan strategi untuk naik ke posisi yang lebih tinggi. Yuk gunakan Ximply<\/a> untuk atur keuangan mu menjadi lebih baik.<\/p>\n\n\n\n

Sumber : 6 Level Finansial: Kamu Ada di Urutan Berapa?<\/a><\/p>\n\n\n\n

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