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\n\n\n\n

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1. \u09aa\u09c1\u09a6\u09bf\u09a8\u09be<\/strong><\/h4>\n\n\n\n

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\u09ae\u09bf\u09a8\u09cd\u099f\u09c7\u09b0 \u09b8\u09be\u09b9\u09be\u09af\u09cd\u09af\u09c7, \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0\u0995\u09be\u09b0\u09c0\u09b0\u09be \u09b8\u09b9\u099c\u09c7\u0987 \u09ac\u09cd\u09af\u09af\u09bc\u09c7\u09b0 \u09a7\u09b0\u09a3 \u09b8\u09a8\u09be\u0995\u09cd\u09a4 \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7, \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b2\u0995\u09cd\u09b7\u09cd\u09af \u09a8\u09bf\u09b0\u09cd\u09a7\u09be\u09b0\u09a3 \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7 \u098f\u09ac\u0982 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b8\u09cd\u09ac\u09be\u09b8\u09cd\u09a5\u09cd\u09af\u09c7\u09b0 \u0989\u09a8\u09cd\u09a8\u09a4\u09bf\u09b0 \u099c\u09a8\u09cd\u09af \u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u0997\u09a4\u0995\u09c3\u09a4 \u099f\u09bf\u09aa\u09b8 \u09aa\u09c7\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964<\/p>\n\n\n\n

2. \u0986\u09aa\u09a8\u09be\u09b0 \u098f\u0995\u099f\u09bf \u09ac\u09be\u099c\u09c7\u099f \u09aa\u09cd\u09b0\u09af\u09bc\u09cb\u099c\u09a8 (YNAB)<\/strong><\/h4>\n\n\n\n

YNAB<\/strong> \u09ac\u09be\u099c\u09c7\u099f\u09c7 \u09aa\u09cd\u09b0\u09a4\u09bf\u099f\u09bf \u09a1\u09b2\u09be\u09b0\u0995\u09c7 \u098f\u0995\u099f\u09bf \u09a8\u09bf\u09b0\u09cd\u09a6\u09bf\u09b7\u09cd\u099f \u09ad\u09c2\u09ae\u09bf\u0995\u09be \u09a6\u09c7\u0993\u09af\u09bc\u09be\u09b0 \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac\u09c7\u09b0 \u0989\u09aa\u09b0 \u099c\u09cb\u09b0 \u09a6\u09c7\u09af\u09bc\u0964 \u098f\u0987 \u0985\u09cd\u09af\u09be\u09aa\u09cd\u09b2\u09bf\u0995\u09c7\u09b6\u09a8\u099f\u09bf \u09af\u09be\u09b0\u09be \u098f\u0995\u099f\u09bf \u09b8\u0995\u09cd\u09b0\u09bf\u09af\u09bc \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09b0 \u099c\u09a8\u09cd\u09af \u0996\u09c1\u0981\u099c\u099b\u09c7\u09a8 \u09a4\u09be\u09a6\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u0986\u09a6\u09b0\u09cd\u09b6 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b6\u09bf\u0995\u09cd\u09b7\u09be<\/strong>, \u0995\u09be\u09b0\u09a3 \u098f\u099f\u09bf \u09a6\u09be\u09af\u09bc\u09bf\u09a4\u09cd\u09ac\u09b6\u09c0\u09b2 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09ac\u09cd\u09af\u09ac\u09b8\u09cd\u09a5\u09be\u09aa\u09a8\u09be \u098f\u09ac\u0982 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b8\u09ae\u09cd\u09aa\u09b0\u09cd\u0995\u09c7 \u09a6\u09c0\u09b0\u09cd\u0998\u09ae\u09c7\u09af\u09bc\u09be\u09a6\u09c0 \u09a6\u09c3\u09b7\u09cd\u099f\u09bf\u09ad\u0999\u09cd\u0997\u09bf \u0989\u09a4\u09cd\u09b8\u09be\u09b9\u09bf\u09a4 \u0995\u09b0\u09c7\u0964<\/p>\n\n\n\n

YNAB \u098f\u0995\u099f\u09bf \u09a8\u09ae\u09a8\u09c0\u09af\u09bc \u09ac\u09be\u099c\u09c7\u099f \u09a4\u09c8\u09b0\u09bf \u0995\u09b0\u09a4\u09c7 \u09b8\u09be\u09b9\u09be\u09af\u09cd\u09af \u0995\u09b0\u09c7 \u09af\u09be \u09aa\u09b0\u09bf\u09ac\u09b0\u09cd\u09a4\u09a8\u09b6\u09c0\u09b2 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09aa\u09b0\u09bf\u09b8\u09cd\u09a5\u09bf\u09a4\u09bf\u09b0 \u09b8\u09be\u09a5\u09c7 \u0996\u09be\u09aa \u0996\u09be\u09af\u09bc, \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0\u0995\u09be\u09b0\u09c0\u09a6\u09c7\u09b0 \u09a4\u09be\u09a6\u09c7\u09b0 \u09b8\u099e\u09cd\u099a\u09af\u09bc \u09b2\u0995\u09cd\u09b7\u09cd\u09af\u09c7 \u09aa\u09cc\u0981\u099b\u09be\u09a4\u09c7 \u098f\u09ac\u0982 \u098b\u09a3 \u0995\u09ae\u09be\u09a4\u09c7 \u09b8\u09be\u09b9\u09be\u09af\u09cd\u09af \u0995\u09b0\u09c7\u0964<\/p>\n\n\n\n

3. \u0985\u09cd\u09af\u09be\u0995\u09b0\u09cd\u09a8<\/strong><\/h4>\n\n\n\n

\u0985\u09cd\u09af\u09be\u0995\u09b0\u09cd\u09a8<\/strong> \u099c\u09a8\u09cd\u09af \u098f\u0995\u099f\u09bf \u0989\u09a6\u09cd\u09ad\u09be\u09ac\u09a8\u09c0 \u09b9\u09be\u09a4\u09bf\u09af\u09bc\u09be\u09b0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b6\u09bf\u0995\u09cd\u09b7\u09be<\/strong> \u09af\u09c7 \u09b8\u099e\u09cd\u099a\u09af\u09bc \u098f\u09ac\u0982 \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u098f\u0995\u09a4\u09cd\u09b0\u09bf\u09a4. \u0995\u09cd\u09b0\u09af\u09bc\u0995\u09c7 \u09a8\u09bf\u0995\u099f\u09a4\u09ae \u09a1\u09b2\u09be\u09b0\u09c7 \u09b0\u09be\u0989\u09a8\u09cd\u09a1\u09bf\u0982 \u0995\u09b0\u09c7, \u09a4\u09bf\u09a8\u09bf \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997\u09c7\u09b0 \u099c\u0997\u09a4\u09c7 \u09aa\u09cd\u09b0\u09ac\u09c7\u09b6\u09c7\u09b0 \u09b8\u09c1\u09ac\u09bf\u09a7\u09be\u09b0\u09cd\u09a5\u09c7 \u09aa\u09be\u09b0\u09cd\u09a5\u0995\u09cd\u09af\u099f\u09bf \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u0995\u09b0\u09c7\u09a8\u0964<\/p>\n\n\n\n

\u0989\u09aa\u09b0\u09a8\u09cd\u09a4\u09c1, Acorns \u09b6\u09bf\u0995\u09cd\u09b7\u09be\u0997\u09a4 \u09ac\u09c8\u09b6\u09bf\u09b7\u09cd\u099f\u09cd\u09af\u0997\u09c1\u09b2\u09bf \u0985\u09ab\u09be\u09b0 \u0995\u09b0\u09c7 \u09af\u09be \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0\u0995\u09be\u09b0\u09c0\u09a6\u09c7\u09b0 \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u09b8\u09ae\u09cd\u09aa\u09b0\u09cd\u0995\u09c7 \u09b6\u09bf\u0996\u09a4\u09c7 \u09b8\u09be\u09b9\u09be\u09af\u09cd\u09af \u0995\u09b0\u09c7, \u098f\u099f\u09bf \u09a4\u09be\u09a6\u09c7\u09b0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u099c\u09cd\u099e\u09be\u09a8 \u09aa\u09cd\u09b0\u09b8\u09be\u09b0\u09bf\u09a4 \u0995\u09b0\u09a4\u09c7 \u099a\u09be\u0993\u09af\u09bc\u09be \u09af\u09c7 \u0995\u09be\u09b0\u0993 \u099c\u09a8\u09cd\u09af \u098f\u099f\u09bf \u098f\u0995\u099f\u09bf \u09ae\u09c2\u09b2\u09cd\u09af\u09ac\u09be\u09a8 \u09aa\u099b\u09a8\u09cd\u09a6 \u0995\u09b0\u09c7 \u09a4\u09cb\u09b2\u09c7\u0964<\/p>\n\n\n\n

4. \u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u0997\u09a4 \u09ae\u09c2\u09b2\u09a7\u09a8<\/strong><\/h4>\n\n\n\n

\u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u0997\u09a4 \u09ae\u09c2\u09b2\u09a7\u09a8<\/strong> \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u098f\u09ac\u0982 \u09b8\u09ae\u09cd\u09aa\u09a6 \u09ac\u09cd\u09af\u09ac\u09b8\u09cd\u09a5\u09be\u09aa\u09a8\u09be\u09b0 \u09b2\u0995\u09cd\u09b7\u09cd\u09af\u09c7 \u098f\u0995\u099f\u09bf \u0985\u09cd\u09af\u09be\u09aa\u09cd\u09b2\u09bf\u0995\u09c7\u09b6\u09a8\u0964 \u098f\u099f\u09bf \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997\u09c7\u09b0 \u09ac\u09bf\u09b6\u09a6 \u09ac\u09bf\u09b6\u09cd\u09b2\u09c7\u09b7\u09a3 \u09aa\u09cd\u09b0\u09a6\u09be\u09a8 \u0995\u09b0\u09c7, \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0\u0995\u09be\u09b0\u09c0\u09a6\u09c7\u09b0 \u09a4\u09be\u09a6\u09c7\u09b0 \u09aa\u09cb\u09b0\u09cd\u099f\u09ab\u09cb\u09b2\u09bf\u0993\u09b0 \u0995\u09b0\u09cd\u09ae\u0995\u09cd\u09b7\u09ae\u09a4\u09be \u09ac\u09c1\u099d\u09a4\u09c7 \u098f\u09ac\u0982 \u09ad\u09ac\u09bf\u09b7\u09cd\u09af\u09a4\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be \u0995\u09b0\u09a4\u09c7 \u09b8\u09b9\u09be\u09af\u09bc\u09a4\u09be \u0995\u09b0\u09c7\u0964<\/p>\n\n\n\n

\u098f\u0987 \u0985\u09cd\u09af\u09be\u09aa\u09cd\u09b2\u09bf\u0995\u09c7\u09b6\u09a8\u099f\u09bf \u09af\u09be\u09b0\u09be \u09a8\u09c7\u09af\u09bc \u09a4\u09be\u09a6\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u098f\u0995\u099f\u09bf \u09b6\u0995\u09cd\u09a4\u09bf\u09b6\u09be\u09b2\u09c0 \u09b9\u09be\u09a4\u09bf\u09af\u09bc\u09be\u09b0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b6\u09bf\u0995\u09cd\u09b7\u09be<\/strong> \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac \u09b8\u09b9\u0995\u09be\u09b0\u09c7 \u098f\u09ac\u0982 \u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u098f\u09ac\u0982 \u0985\u09ac\u09b8\u09b0 \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be\u09b0 \u0989\u09aa\u09b0 \u0986\u09b0\u0993 \u0995\u09be\u09b0\u09cd\u09af\u0995\u09b0 \u09a8\u09bf\u09af\u09bc\u09a8\u09cd\u09a4\u09cd\u09b0\u09a3 \u09b0\u09be\u0996\u09a4\u09c7 \u099a\u09be\u09a8\u0964<\/p>\n\n\n\n

\u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u098f\u09ac\u0982 \u09b8\u099e\u09cd\u099a\u09af\u09bc: \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b6\u09bf\u0995\u09cd\u09b7\u09be \u09b8\u09ae\u09cd\u09aa\u09cd\u09b0\u09b8\u09be\u09b0\u09a3<\/strong><\/h3>\n\n\n\n

\u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u09ac\u09cb\u099d\u09be<\/strong><\/h4>\n\n\n\n

\u0995 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b6\u09bf\u0995\u09cd\u09b7\u09be<\/strong> \u098f\u099f\u09be \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u09ac\u09cb\u099d\u09be\u09b0 \u0985\u09a8\u09cd\u09a4\u09b0\u09cd\u09ad\u09c1\u0995\u09cd\u09a4. \u0986\u09aa\u09a8\u09be\u09b0 \u0985\u09b0\u09cd\u09a5 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u098f\u09ac\u0982 \u09a6\u09c0\u09b0\u09cd\u0998\u09ae\u09c7\u09af\u09bc\u09be\u09a6\u09c0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b2\u0995\u09cd\u09b7\u09cd\u09af \u0985\u09b0\u09cd\u099c\u09a8\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u098f\u0995\u099f\u09bf \u0995\u09be\u09b0\u09cd\u09af\u0995\u09b0 \u0989\u09aa\u09be\u09af\u09bc\u0964 \u09af\u09be\u0987\u09b9\u09cb\u0995, \u09ac\u09bf\u09ad\u09bf\u09a8\u09cd\u09a8 \u09a7\u09b0\u09a8\u09c7\u09b0 \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u098f\u09ac\u0982 \u09a4\u09be\u09a6\u09c7\u09b0 \u09a8\u09bf\u099c \u09a8\u09bf\u099c \u099d\u09c1\u0981\u0995\u09bf \u09ac\u09cb\u099d\u09be \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac\u09aa\u09c2\u09b0\u09cd\u09a3\u0964 \u09b8\u09cd\u099f\u0995 \u09a5\u09c7\u0995\u09c7 \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u09a4\u09b9\u09ac\u09bf\u09b2 \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4, \u099d\u09c1\u0981\u0995\u09bf \u09b9\u09cd\u09b0\u09be\u09b8 \u098f\u09ac\u0982 \u09b8\u09b0\u09cd\u09ac\u09cb\u099a\u09cd\u099a \u0986\u09af\u09bc\u09c7\u09b0 \u099a\u09be\u09ac\u09bf\u0995\u09be\u09a0\u09bf \u09b9\u09b2 \u09ac\u09c8\u099a\u09bf\u09a4\u09cd\u09b0\u09cd\u09af\u0964<\/p>\n\n\n\n

\u09b8\u099e\u09cd\u099a\u09af\u09bc\u09c7\u09b0 \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac<\/strong><\/h4>\n\n\n\n

\u09b8\u099e\u09cd\u099a\u09af\u09bc \u098f\u0995\u099f\u09bf \u09ae\u09cc\u09b2\u09bf\u0995 \u09a6\u09bf\u0995 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b6\u09bf\u0995\u09cd\u09b7\u09be<\/strong>. \u098f\u0995\u099f\u09bf \u099c\u09b0\u09c1\u09b0\u09c0 \u09a4\u09b9\u09ac\u09bf\u09b2 \u09a5\u09be\u0995\u09be \u0986\u09aa\u09a8\u09be\u0995\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b8\u09cd\u09a5\u09bf\u09a4\u09bf\u09b6\u09c0\u09b2\u09a4\u09be\u09b0 \u09b8\u09be\u09a5\u09c7 \u0986\u09aa\u09b8 \u09a8\u09be \u0995\u09b0\u09c7 \u0985\u09aa\u09cd\u09b0\u09a4\u09cd\u09af\u09be\u09b6\u09bf\u09a4 \u0998\u099f\u09a8\u09be\u0997\u09c1\u09b2\u09bf\u09b0 \u09b8\u09be\u09a5\u09c7 \u09ae\u09cb\u0995\u09be\u09ac\u09bf\u09b2\u09be \u0995\u09b0\u09a4\u09c7 \u09b8\u09b9\u09be\u09af\u09bc\u09a4\u09be \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964 \u09a4\u09a6\u09c1\u09aa\u09b0\u09bf, \u09a8\u09bf\u09b0\u09cd\u09a6\u09bf\u09b7\u09cd\u099f \u09b2\u0995\u09cd\u09b7\u09cd\u09af\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09b8\u099e\u09cd\u099a\u09af\u09bc, \u09af\u09c7\u09ae\u09a8 \u098f\u0995\u099f\u09bf \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09c7\u09a8\u09be \u09ac\u09be \u0986\u09aa\u09a8\u09be\u09b0 \u09b8\u09a8\u09cd\u09a4\u09be\u09a8\u09a6\u09c7\u09b0 \u09b6\u09bf\u0995\u09cd\u09b7\u09bf\u09a4 \u0995\u09b0\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be \u098f\u09ac\u0982 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b6\u09c3\u0999\u09cd\u0996\u09b2\u09be \u09aa\u09cd\u09b0\u09af\u09bc\u09cb\u099c\u09a8\u0964<\/p>\n\n\n\n

\u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b6\u09bf\u0995\u09cd\u09b7\u09be \u09b8\u09ae\u09cd\u09aa\u09b0\u09cd\u0995\u09c7 FAQ<\/strong><\/h3>\n\n\n\n

1. \u0995\u09c7\u09a8 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b6\u09bf\u0995\u09cd\u09b7\u09be \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac\u09aa\u09c2\u09b0\u09cd\u09a3?<\/strong><\/h4>\n\n\n\n

\u0995 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b6\u09bf\u0995\u09cd\u09b7\u09be<\/strong> \u0985\u09b0\u09cd\u09a5\u09c7\u09b0 \u09ac\u09bf\u09b7\u09af\u09bc\u09c7 \u09b8\u099a\u09c7\u09a4\u09a8 \u09b8\u09bf\u09a6\u09cd\u09a7\u09be\u09a8\u09cd\u09a4 \u09a8\u09c7\u0993\u09af\u09bc\u09be, \u098b\u09a3 \u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09a8\u09be, \u09ad\u09ac\u09bf\u09b7\u09cd\u09af\u09a4\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09b8\u099e\u09cd\u099a\u09af\u09bc \u098f\u09ac\u0982 \u09a6\u09c0\u09b0\u09cd\u0998\u09ae\u09c7\u09af\u09bc\u09be\u09a6\u09c0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09a8\u09bf\u09b0\u09be\u09aa\u09a4\u09cd\u09a4\u09be \u09a8\u09bf\u09b6\u09cd\u099a\u09bf\u09a4 \u0995\u09b0\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u098f\u099f\u09bf \u0985\u09aa\u09b0\u09bf\u09b9\u09be\u09b0\u09cd\u09af\u0964<\/p>\n\n\n\n

2. \u0986\u09ae\u09bf \u0995\u09bf\u09ad\u09be\u09ac\u09c7 \u0985\u09b2\u09cd\u09aa \u099f\u09be\u0995\u09be \u09a6\u09bf\u09af\u09bc\u09c7 \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u09b6\u09c1\u09b0\u09c1 \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09bf?<\/strong><\/h4>\n\n\n\n

\u0985\u09b2\u09cd\u09aa \u0985\u09b0\u09cd\u09a5 \u09a6\u09bf\u09af\u09bc\u09c7 \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u09b6\u09c1\u09b0\u09c1 \u0995\u09b0\u09be \u0985\u09cd\u09af\u09be\u0995\u09b0\u09cd\u09a8\u09c7\u09b0 \u09ae\u09a4\u09cb \u09ad\u0997\u09cd\u09a8\u09be\u0982\u09b6 \u09ac\u09be \u09b8\u09cd\u09ac\u09af\u09bc\u0982\u0995\u09cd\u09b0\u09bf\u09af\u09bc \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997\u09c7\u09b0 \u0985\u09a8\u09c1\u09ae\u09a4\u09bf \u09a6\u09c7\u09af\u09bc \u098f\u09ae\u09a8 \u0985\u09cd\u09af\u09be\u09aa\u09cd\u09b2\u09bf\u0995\u09c7\u09b6\u09a8\u09c7\u09b0 \u09ae\u09be\u09a7\u09cd\u09af\u09ae\u09c7 \u09b8\u09ae\u09cd\u09ad\u09ac\u0964 \u0986\u09b0\u09c7\u0995\u099f\u09bf \u09ac\u09bf\u0995\u09b2\u09cd\u09aa \u09b9\u09b2 \u0995\u09ae \u09ac\u09cd\u09af\u09ac\u09b8\u09cd\u09a5\u09be\u09aa\u09a8\u09be \u09ab\u09bf \u09b8\u09b9 \u09b8\u09c2\u099a\u0995 \u09a4\u09b9\u09ac\u09bf\u09b2\u09c7 \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u0995\u09b0\u09be\u0964<\/p>\n\n\n\n

3. \u098f\u0995\u099f\u09bf \u09ac\u09be\u099c\u09c7\u099f \u09aa\u09cd\u09b0\u09a4\u09bf\u09b7\u09cd\u09a0\u09be\u09b0 \u09b8\u09b0\u09cd\u09ac\u09cb\u09a4\u09cd\u09a4\u09ae \u0989\u09aa\u09be\u09af\u09bc \u0995\u09bf?<\/strong><\/h4>\n\n\n\n

\u098f\u0995\u099f\u09bf \u09ac\u09be\u099c\u09c7\u099f \u09aa\u09cd\u09b0\u09a4\u09bf\u09b7\u09cd\u09a0\u09be\u09b0 \u09b8\u09b0\u09cd\u09ac\u09cb\u09a4\u09cd\u09a4\u09ae \u0989\u09aa\u09be\u09af\u09bc \u09b9\u09b2 \u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09af\u09bc \u098f\u09ac\u0982 \u09ac\u09cd\u09af\u09af\u09bc\u09c7\u09b0 \u09ae\u09cd\u09af\u09be\u09aa \u0986\u0989\u099f \u0995\u09b0\u09be, \u09b8\u09cd\u09aa\u09b7\u09cd\u099f \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b2\u0995\u09cd\u09b7\u09cd\u09af \u09a8\u09bf\u09b0\u09cd\u09a7\u09be\u09b0\u09a3 \u0995\u09b0\u09be \u098f\u09ac\u0982 \u09aa\u09cd\u09b0\u09af\u09bc\u09cb\u099c\u09a8 \u0985\u09a8\u09c1\u09af\u09be\u09af\u09bc\u09c0 \u09ac\u09be\u099c\u09c7\u099f \u09b8\u09be\u09ae\u099e\u09cd\u099c\u09b8\u09cd\u09af \u0995\u09b0\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u09a8\u09bf\u09af\u09bc\u09ae\u09bf\u09a4 \u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09cd\u09af\u09af\u09bc \u09a8\u09bf\u09b0\u09c0\u0995\u09cd\u09b7\u09a3 \u0995\u09b0\u09be\u0964<\/p>\n\n\n\n

4. \u0986\u09ae\u09bf \u0995\u09bf\u09ad\u09be\u09ac\u09c7 \u0986\u09ae\u09be\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0 \u0989\u09a8\u09cd\u09a8\u09a4 \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09bf?<\/strong><\/h4>\n\n\n\n

\u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0 \u0989\u09a8\u09cd\u09a8\u09a4 \u0995\u09b0\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u09b8\u09ae\u09af\u09bc\u09ae\u09a4 \u09ac\u09bf\u09b2 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7 \u0995\u09b0\u09be, \u0986\u09aa\u09a8\u09be\u09b0 \u098b\u09a3\u09c7\u09b0 \u09ad\u09be\u09b0\u09b8\u09be\u09ae\u09cd\u09af \u09b9\u09cd\u09b0\u09be\u09b8 \u0995\u09b0\u09be \u098f\u09ac\u0982 \u0998\u09a8 \u0998\u09a8 \u09a8\u09a4\u09c1\u09a8 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u098f\u09b0 \u099c\u09a8\u09cd\u09af \u0986\u09ac\u09c7\u09a6\u09a8 \u0995\u09b0\u09be \u098f\u09a1\u09bc\u09be\u09a8\u09cb \u099c\u09a1\u09bc\u09bf\u09a4\u0964 \u098f\u0995\u099f\u09bf \u09a6\u09c0\u09b0\u09cd\u0998 \u098f\u09ac\u0982 \u09ac\u09c8\u099a\u09bf\u09a4\u09cd\u09b0\u09cd\u09af\u09ae\u09af\u09bc \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u0987\u09a4\u09bf\u09b9\u09be\u09b8 \u09ac\u099c\u09be\u09af\u09bc \u09b0\u09be\u0996\u09be \u09b8\u09be\u09b9\u09be\u09af\u09cd\u09af \u0995\u09b0\u09c7\u0964<\/p>\n\n\n\n

5. \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u0985\u09cd\u09af\u09be\u09aa \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0 \u0995\u09b0\u09be \u0995\u09bf \u09a8\u09bf\u09b0\u09be\u09aa\u09a6?<\/strong><\/h4>\n\n\n\n

\u09ac\u09c7\u09b6\u09bf\u09b0\u09ad\u09be\u0997 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u0985\u09cd\u09af\u09be\u09aa \u09b6\u0995\u09cd\u09a4\u09bf\u09b6\u09be\u09b2\u09c0 \u09a8\u09bf\u09b0\u09be\u09aa\u09a4\u09cd\u09a4\u09be \u09ac\u09cd\u09af\u09ac\u09b8\u09cd\u09a5\u09be \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0 \u0995\u09b0\u09c7, \u09a4\u09ac\u09c7 \u0985\u09cd\u09af\u09be\u09aa\u09c7\u09b0 \u0996\u09cd\u09af\u09be\u09a4\u09bf \u09aa\u09b0\u09c0\u0995\u09cd\u09b7\u09be \u0995\u09b0\u09be \u098f\u09ac\u0982 \u098f\u099f\u09bf \u098f\u09a8\u0995\u09cd\u09b0\u09bf\u09aa\u09b6\u09a8 \u098f\u09ac\u0982 \u0985\u09a8\u09cd\u09af\u09be\u09a8\u09cd\u09af \u09a1\u09c7\u099f\u09be \u09b8\u09c1\u09b0\u0995\u09cd\u09b7\u09be \u09ac\u09cd\u09af\u09ac\u09b8\u09cd\u09a5\u09be \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0 \u0995\u09b0\u09c7 \u09a4\u09be \u09a8\u09bf\u09b6\u09cd\u099a\u09bf\u09a4 \u0995\u09b0\u09be \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac\u09aa\u09c2\u09b0\u09cd\u09a3\u0964<\/p>\n\n\n\n

6. \u0986\u09ae\u09bf \u0995\u09bf\u09ad\u09be\u09ac\u09c7 \u0985\u09ac\u09b8\u09b0\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09b8\u099e\u09cd\u099a\u09af\u09bc \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09bf?<\/strong><\/h4>\n\n\n\n

\u0985\u09ac\u09b8\u09b0 \u0997\u09cd\u09b0\u09b9\u09a3\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09b8\u099e\u09cd\u099a\u09af\u09bc\u09c7\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u09b0\u09af\u09bc\u09c7\u099b\u09c7 \u09a4\u09be\u09a1\u09bc\u09be\u09a4\u09be\u09a1\u09bc\u09bf \u09b6\u09c1\u09b0\u09c1 \u0995\u09b0\u09be, \u09ae\u09be\u09b0\u09cd\u0995\u09bf\u09a8 \u09af\u09c1\u0995\u09cd\u09a4\u09b0\u09be\u09b7\u09cd\u099f\u09cd\u09b0\u09c7 401(k) \u098f\u09b0 \u09ae\u09a4\u09cb \u09a8\u09bf\u09af\u09bc\u09cb\u0997\u0995\u09b0\u09cd\u09a4\u09be-\u09aa\u09cd\u09b0\u09a6\u09a4\u09cd\u09a4 \u0985\u09ac\u09b8\u09b0 \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be\u09b0 \u09b8\u09c1\u09ac\u09bf\u09a7\u09be \u09a8\u09c7\u0993\u09af\u09bc\u09be \u098f\u09ac\u0982 \u098f\u0995\u099f\u09bf \u09aa\u09c3\u09a5\u0995 \u0985\u09ac\u09b8\u09b0 \u0985\u09cd\u09af\u09be\u0995\u09be\u0989\u09a8\u09cd\u099f (IRA) \u0996\u09cb\u09b2\u09be\u09b0 \u0995\u09a5\u09be \u09ac\u09bf\u09ac\u09c7\u099a\u09a8\u09be \u0995\u09b0\u09be\u0964<\/p>\n\n\n\n

7. \u098f\u0995\u099f\u09bf \u099c\u09b0\u09c1\u09b0\u09bf \u09a4\u09b9\u09ac\u09bf\u09b2 \u098f\u09ac\u0982 \u09a8\u09bf\u09af\u09bc\u09ae\u09bf\u09a4 \u09b8\u099e\u09cd\u099a\u09af\u09bc\u09c7\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u09aa\u09be\u09b0\u09cd\u09a5\u0995\u09cd\u09af \u0995\u09c0?<\/strong><\/h4>\n\n\n\n

\u098f\u0995\u099f\u09bf \u099c\u09b0\u09c1\u09b0\u09c0 \u09a4\u09b9\u09ac\u09bf\u09b2 \u09b9\u09b2 \u098f\u0995\u099f\u09bf \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b0\u09bf\u099c\u09be\u09b0\u09cd\u09ad \u09af\u09be \u0985\u09aa\u09cd\u09b0\u09a4\u09cd\u09af\u09be\u09b6\u09bf\u09a4 \u09ac\u09cd\u09af\u09af\u09bc \u09ac\u09be \u0986\u09af\u09bc\u09c7\u09b0 \u0995\u09cd\u09b7\u09a4\u09bf \u0995\u09ad\u09be\u09b0 \u0995\u09b0\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u09a1\u09bf\u099c\u09be\u0987\u09a8 \u0995\u09b0\u09be \u09b9\u09af\u09bc\u09c7\u099b\u09c7, \u09af\u0996\u09a8 \u09a8\u09bf\u09af\u09bc\u09ae\u09bf\u09a4 \u09b8\u099e\u09cd\u099a\u09af\u09bc \u09a8\u09bf\u09b0\u09cd\u09a6\u09bf\u09b7\u09cd\u099f \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b2\u0995\u09cd\u09b7\u09cd\u09af\u0997\u09c1\u09b2\u09bf\u09b0 \u0989\u09a6\u09cd\u09a6\u09c7\u09b6\u09cd\u09af\u09c7 \u09b9\u09af\u09bc, \u09af\u09c7\u09ae\u09a8 \u09ad\u09cd\u09b0\u09ae\u09a3 \u09ac\u09be \u09aa\u09a3\u09cd\u09af \u0995\u09cd\u09b0\u09af\u09bc\u0964<\/p>\n\n\n\n

8. \u0986\u09ae\u09bf \u0995\u09bf \u098b\u09a3 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7 \u0995\u09b0\u09ac \u09a8\u09be\u0995\u09bf \u09aa\u09cd\u09b0\u09a5\u09ae\u09c7 \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u0995\u09b0\u09ac?<\/strong><\/h4>\n\n\n\n

\u098b\u09a3 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7 \u09ac\u09be \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997\u09c7\u09b0 \u09b8\u09bf\u09a6\u09cd\u09a7\u09be\u09a8\u09cd\u09a4 \u09a8\u09c7\u0993\u09af\u09bc\u09be \u098b\u09a3\u09c7\u09b0 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0 \u098f\u09ac\u0982 \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997\u09c7\u09b0 \u09b8\u09ae\u09cd\u09ad\u09be\u09ac\u09cd\u09af \u09b0\u09bf\u099f\u09be\u09b0\u09cd\u09a8\u09c7\u09b0 \u0989\u09aa\u09b0 \u09a8\u09bf\u09b0\u09cd\u09ad\u09b0 \u0995\u09b0\u09c7\u0964 \u09b8\u09be\u09a7\u09be\u09b0\u09a3\u09ad\u09be\u09ac\u09c7, \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u0995\u09b0\u09be\u09b0 \u0986\u0997\u09c7 \u0989\u099a\u09cd\u099a-\u09b8\u09c1\u09a6\u09c7\u09b0 \u098b\u09a3 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7 \u0995\u09b0\u09be\u09b0 \u09aa\u09b0\u09be\u09ae\u09b0\u09cd\u09b6 \u09a6\u09c7\u0993\u09af\u09bc\u09be \u09b9\u09af\u09bc\u0964<\/p>\n\n\n\n

9. \u0986\u09ae\u09bf \u0995\u09bf\u09ad\u09be\u09ac\u09c7 \u0986\u09ae\u09be\u09b0 \u09b8\u09a8\u09cd\u09a4\u09be\u09a8\u09a6\u09c7\u09b0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b6\u09bf\u0995\u09cd\u09b7\u09be \u09a6\u09bf\u09a4\u09c7 \u09aa\u09be\u09b0\u09bf?<\/strong><\/h4>\n\n\n\n

\u09b6\u09bf\u09b6\u09c1\u09a6\u09c7\u09b0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b8\u09be\u0995\u09cd\u09b7\u09b0\u09a4\u09be \u09b6\u09c7\u0996\u09be\u09a8\u09cb\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u0996\u09cb\u09b2\u09be\u0996\u09c1\u09b2\u09bf\u09ad\u09be\u09ac\u09c7 \u0985\u09b0\u09cd\u09a5 \u09a8\u09bf\u09af\u09bc\u09c7 \u0986\u09b2\u09cb\u099a\u09a8\u09be \u0995\u09b0\u09be, \u09a4\u09be\u09a6\u09c7\u09b0 \u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09a8\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u09ad\u09be\u09a4\u09be \u09a6\u09c7\u0993\u09af\u09bc\u09be \u098f\u09ac\u0982 \u09b8\u099a\u09c7\u09a4\u09a8\u09ad\u09be\u09ac\u09c7 \u09b8\u099e\u09cd\u099a\u09af\u09bc \u0993 \u09ac\u09cd\u09af\u09af\u09bc \u0995\u09b0\u09a4\u09c7 \u0989\u09a4\u09cd\u09b8\u09be\u09b9\u09bf\u09a4 \u0995\u09b0\u09be \u099c\u09a1\u09bc\u09bf\u09a4\u0964<\/p>\n\n\n\n

10. \u0986\u09ae\u09bf \u09af\u09a6\u09bf \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b8\u09ae\u09b8\u09cd\u09af\u09be\u09b0 \u09b8\u09ae\u09cd\u09ae\u09c1\u0996\u09c0\u09a8 \u09b9\u0987 \u09a4\u09be\u09b9\u09b2\u09c7 \u0986\u09ae\u09be\u09b0 \u0995\u09c0 \u0995\u09b0\u09be \u0989\u099a\u09bf\u09a4?<\/strong><\/h4>\n\n\n\n

\u0986\u09aa\u09a8\u09bf \u09af\u09a6\u09bf \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b8\u09ae\u09b8\u09cd\u09af\u09be\u09b0 \u09b8\u09ae\u09cd\u09ae\u09c1\u0996\u09c0\u09a8 \u09b9\u09a8, \u09a4\u09be\u09b9\u09b2\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09be\u099c\u09c7\u099f \u09aa\u09b0\u09cd\u09af\u09be\u09b2\u09cb\u099a\u09a8\u09be \u0995\u09b0\u09be, \u0985\u09aa\u09cd\u09b0\u09af\u09bc\u09cb\u099c\u09a8\u09c0\u09af\u09bc \u0996\u09b0\u099a \u0995\u09ae\u09be\u09a8\u09cb, \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09aa\u09b0\u09be\u09ae\u09b0\u09cd\u09b6 \u09a8\u09c7\u0993\u09af\u09bc\u09be \u098f\u09ac\u0982 \u098b\u09a3 \u09aa\u09c1\u09a8\u09b0\u09cd\u09ac\u09bf\u09ac\u09c7\u099a\u09a8\u09be \u09ac\u09bf\u09ac\u09c7\u099a\u09a8\u09be \u0995\u09b0\u09be \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac\u09aa\u09c2\u09b0\u09cd\u09a3\u0964<\/p>\n\n\n\n

<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

\u0989\u09aa\u09b8\u0982\u09b9\u09be\u09b0<\/strong><\/h3>\n\n\n\n

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