{"id":340,"date":"2026-04-03T04:35:36","date_gmt":"2026-04-03T04:35:36","guid":{"rendered":"https:\/\/blog.bizbuilderww.tech\/thaomai\/?p=340"},"modified":"2026-04-03T09:59:06","modified_gmt":"2026-04-03T09:59:06","slug":"bai-1-hieu-ve-cach-tao-ra-tien-tu-kiem-tien-den-xay-dong-tien","status":"publish","type":"post","link":"https:\/\/blog.bizbuilderww.tech\/thaomai\/bai-1-hieu-ve-cach-tao-ra-tien-tu-kiem-tien-den-xay-dong-tien\/","title":{"rendered":"B\u00e0i 1: Hi\u1ec3u v\u1ec1 c\u00e1ch t\u1ea1o ra ti\u1ec1n \u2013 T\u1eeb &#8220;Ki\u1ebfm ti\u1ec1n&#8221; \u0111\u1ebfn &#8220;X\u00e2y d\u00f2ng ti\u1ec1n&#8221;"},"content":{"rendered":"\n<p>&#8220;C\u00f3 nh\u1eefng cu\u1ed1n s\u00e1ch \u0111\u1ebfn v\u1edbi ta nh\u01b0 m\u1ed9t c\u00e1i duy\u00ean, v\u00e0 c\u00f3 nh\u1eefng ki\u1ebfn th\u1ee9c \u0111\u1ebfn \u0111\u00fang l\u00fac nh\u01b0 m\u1ed9t chi\u1ebfc kim ch\u1ec9 nam cho h\u00e0nh tr\u00ecnh c\u00f2n \u0111ang dang d\u1edf.<\/p>\n\n\n\n<p>Th\u1eddi gian qua, Th\u1ea3o may m\u1eafn \u0111\u01b0\u1ee3c nghi\u00ean c\u1ee9u cu\u1ed1n c\u1ea9m nang <strong>&#8216;Ng\u0169 Hi\u1ec3u \u0110\u1ec3 L\u1eadp Nghi\u1ec7p Th\u00e0nh C\u00f4ng&#8217;<\/strong> c\u1ee7a anh Nguy\u1ec5n Long H\u1ea3i \u2013 m\u1ed9t ng\u01b0\u1eddi \u0111i tr\u01b0\u1edbc v\u1edbi h\u01a1n m\u1ed9t th\u1eadp k\u1ef7 kinh nghi\u1ec7m th\u1ef1c chi\u1ebfn. Nh\u1eefng trang vi\u1ebft kh\u00f4ng m\u00e0u m\u00e8 l\u00fd thuy\u1ebft, m\u00e0 l\u00e0 nh\u1eefng \u0111\u00fac k\u1ebft &#8216;x\u01b0\u01a1ng m\u00e1u&#8217; v\u1ec1 c\u00e1ch t\u01b0 duy t\u00e0i ch\u00ednh, qu\u1ea3n l\u00fd th\u1eddi gian v\u00e0 x\u00e2y d\u1ef1ng nh\u00e2n hi\u1ec7u t\u1eeb hai b\u00e0n tay tr\u1eafng.<\/p>\n\n\n\n<p>C\u00e0ng \u0111\u1ecdc, Th\u1ea3o c\u00e0ng th\u1ea5y h\u00ecnh b\u00f3ng c\u1ee7a m\u00ecnh v\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111\u1ed3ng h\u00e0nh trong \u0111\u00f3 \u2013 nh\u1eefng ng\u01b0\u1eddi \u0111ang n\u1ed7 l\u1ef1c m\u1ed7i ng\u00e0y \u0111\u1ec3 v\u01b0\u01a1n t\u1ea7m v\u00e0 trao gi\u00e1 tr\u1ecb. V\u00ec t\u00e2m \u0111\u1eafc v\u1edbi 5 c\u1ed9t tr\u1ee5 c\u1ed1t l\u00f5i n\u00e0y, Th\u1ea3o mu\u1ed1n chia s\u1ebb l\u1ea1i chu\u1ed7i b\u00e0i vi\u1ebft v\u1ec1 &#8216;Ng\u0169 Hi\u1ec3u&#8217; theo g\u00f3c nh\u00ecn v\u00e0 tr\u1ea3i nghi\u1ec7m c\u1ee7a ri\u00eang m\u00ecnh. Hy v\u1ecdng nh\u1eefng chia s\u1ebb n\u00e0y s\u1ebd l\u00e0 &#8216;m\u00f3n qu\u00e0 hi\u1ec7n t\u1ea1i&#8217; ti\u1ebfp th\u00eam \u0111\u1ed9ng l\u1ef1c cho b\u1ea1n tr\u00ean con \u0111\u01b0\u1eddng l\u1eadp nghi\u1ec7p!&#8221;<\/p>\n\n\n\n<p>Trong h\u00e0nh tr\u00ecnh l\u1eadp nghi\u1ec7p, c\u00e2u h\u1ecfi \u0111\u1ea7u ti\u00ean v\u00e0 c\u0169ng l\u00e0 quan tr\u1ecdng nh\u1ea5t kh\u00f4ng ph\u1ea3i l\u00e0 &#8220;L\u00e0m sao \u0111\u1ec3 c\u00f3 nhi\u1ec1u ti\u1ec1n?&#8221;, m\u00e0 l\u00e0 &#8220;B\u1ea1n \u0111ang t\u1ea1o ra ti\u1ec1n b\u1eb1ng c\u00e1ch n\u00e0o?&#8221;. H\u1ea7u h\u1ebft ch\u00fang ta, khi m\u1edbi b\u01b0\u1edbc ch\u00e2n v\u00e0o \u0111\u1eddi, \u0111\u1ec1u r\u01a1i v\u00e0o m\u1ed9t v\u00f2ng xo\u00e1y quen thu\u1ed9c: B\u00e1n s\u1ee9c lao \u0111\u1ed9ng, th\u1eddi gian v\u00e0 tr\u00ed tu\u1ec7 \u0111\u1ec3 \u0111\u1ed5i l\u1ea5y m\u1ed9t kho\u1ea3n ti\u1ec1n l\u01b0\u01a1ng c\u1ed1 \u0111\u1ecbnh v\u00e0o cu\u1ed1i th\u00e1ng. Ch\u00fang ta g\u1ecdi \u0111\u00f3 l\u00e0 &#8220;ki\u1ebfm ti\u1ec1n&#8221;. Nh\u01b0ng n\u1ebfu m\u1ed9t ng\u00e0y b\u1ea1n d\u1eebng l\u00e0m vi\u1ec7c, d\u00f2ng ti\u1ec1n \u0111\u00f3 c\u00f3 c\u00f2n ch\u1ea3y v\u1ec1 t\u00fai b\u1ea1n kh\u00f4ng?<\/p>\n\n\n\n<p><strong>S\u1ef1 th\u1eadt v\u1ec1 Kim T\u1ee9 \u0110\u1ed3 v\u00e0 c\u00e1i b\u1eaby th\u1eddi gian<\/strong><\/p>\n\n\n\n<p>\u0110\u1ec3 th\u1ef1c s\u1ef1 b\u1ee9t ph\u00e1 t\u1eeb hai b\u00e0n tay tr\u1eafng, b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean l\u00e0 ph\u1ea3i th\u1ea5u hi\u1ec3u <strong>Kim T\u1ee9 \u0110\u1ed3<\/strong> (c\u1ee7a Robert Kiyosaki) \u2013 m\u1ed9t kh\u00e1i ni\u1ec7m m\u00e0 anh Nguy\u1ec5n Long H\u1ea3i \u0111\u00e3 nh\u1ea5n m\u1ea1nh nh\u01b0 n\u1ec1n t\u1ea3ng c\u1ee7a t\u01b0 duy t\u00e0i ch\u00ednh.<\/p>\n\n\n\n<p>\u0110a s\u1ed1 m\u1ecdi ng\u01b0\u1eddi n\u1eb1m \u1edf n\u1eeda b\u00ean tr\u00e1i: nh\u00f3m <strong>E (L\u00e0m thu\u00ea)<\/strong> v\u00e0 nh\u00f3m <strong>S (L\u00e0m t\u01b0)<\/strong>. \u1ede \u0111\u00e2y, c\u00f4ng th\u1ee9c thu nh\u1eadp l\u00e0: <em>Ti\u1ec1n = N\u0103ng l\u1ef1c x Th\u1eddi gian<\/em>. Bi k\u1ecbch n\u1eb1m \u1edf ch\u1ed7 th\u1eddi gian v\u00e0 s\u1ee9c l\u1ef1c c\u1ee7a m\u1ed7i c\u00e1 nh\u00e2n l\u00e0 h\u1eefu h\u1ea1n. B\u1ea1n kh\u00f4ng th\u1ec3 l\u00e0m vi\u1ec7c 100 gi\u1edd m\u1ed9t ng\u00e0y, v\u00e0 b\u1ea1n c\u0169ng kh\u00f4ng th\u1ec3 duy tr\u00ec c\u01b0\u1eddng \u0111\u1ed9 l\u00e0m vi\u1ec7c cao su\u1ed1t c\u1ea3 \u0111\u1eddi.<\/p>\n\n\n\n<p>\u0110\u1ec3 \u0111\u1ea1t \u0111\u1ebfn s\u1ef1 t\u1ef1 do th\u1ef1c s\u1ef1, b\u1ea1n ph\u1ea3i t\u00ecm c\u00e1ch d\u1ecbch chuy\u1ec3n sang n\u1eeda b\u00ean ph\u1ea3i: nh\u00f3m <strong>B (Ch\u1ee7 doanh nghi\u1ec7p)<\/strong> v\u00e0 nh\u00f3m <strong>I (Nh\u00e0 \u0111\u1ea7u t\u01b0)<\/strong>. T\u1ea1i \u0111\u00e2y, c\u00f4ng th\u1ee9c thu nh\u1eadp \u0111\u00e3 thay \u0111\u1ed5i ho\u00e0n to\u00e0n nh\u1edd s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a m\u1ed9t bi\u1ebfn s\u1ed1 m\u1edbi: <strong>QUY M\u00d4.<\/strong><\/p>\n\n\n\n<p><strong>S\u1ee9c m\u1ea1nh c\u1ee7a \u0110\u00f2n b\u1ea9y v\u00e0 Bi\u1ebfn s\u1ed1 Quy m\u00f4<\/strong><\/p>\n\n\n\n<p>Anh H\u1ea3i \u0111\u00e3 \u0111\u00fac k\u1ebft m\u1ed9t c\u00f4ng th\u1ee9c kinh \u0111i\u1ec3n: <strong>Thu nh\u1eadp = N\u0103ng l\u1ef1c x Th\u1eddi gian x Quy m\u00f4<\/strong>.<\/p>\n\n\n\n<p>N\u1ebfu b\u1ea1n ch\u1ec9 d\u1ef1a v\u00e0o n\u0103ng l\u1ef1c b\u1ea3n th\u00e2n (nh\u00f3m E v\u00e0 S), Quy m\u00f4 c\u1ee7a b\u1ea1n b\u1eb1ng 1. Nh\u01b0ng n\u1ebfu b\u1ea1n bi\u1ebft s\u1eed d\u1ee5ng <strong>\u0110\u00f2n b\u1ea9y<\/strong>, quy m\u00f4 c\u00f3 th\u1ec3 l\u00ean t\u1edbi h\u00e0ng ng\u00e0n, h\u00e0ng v\u1ea1n. \u0110\u00f2n b\u1ea9y \u1edf \u0111\u00e2y c\u00f3 th\u1ec3 l\u00e0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Con ng\u01b0\u1eddi:<\/strong> S\u1eed d\u1ee5ng th\u1eddi gian v\u00e0 t\u00e0i n\u0103ng c\u1ee7a ng\u01b0\u1eddi kh\u00e1c \u0111\u1ec3 c\u00f9ng x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng.<\/li>\n\n\n\n<li><strong>C\u00f4ng ngh\u1ec7:<\/strong> S\u1eed d\u1ee5ng ph\u1ea7n m\u1ec1m, internet \u0111\u1ec3 b\u00e1n h\u00e0ng ngay c\u1ea3 khi b\u1ea1n \u0111ang ng\u1ee7.<\/li>\n\n\n\n<li><strong>V\u1ed1n:<\/strong> S\u1eed d\u1ee5ng ti\u1ec1n \u0111\u1ec3 t\u1ea1o ra ti\u1ec1n.<\/li>\n<\/ul>\n\n\n\n<p>Ch\u00e0ng trai trong c\u00e2u chuy\u1ec7n l\u1eadp nghi\u1ec7p nh\u1eadn ra r\u1eb1ng, th\u00e0nh c\u00f4ng kh\u00f4ng ch\u1ec9 \u0111\u1ebfn t\u1eeb vi\u1ec7c b\u1ea1n gi\u1ecfi h\u01a1n ng\u01b0\u1eddi kh\u00e1c hay l\u00e0m vi\u1ec7c nhi\u1ec1u gi\u1edd h\u01a1n. N\u00f3 \u0111\u1ebfn t\u1eeb vi\u1ec7c b\u1ea1n x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c m\u1ed9t &#8220;c\u1ed7 m\u00e1y&#8221; m\u00e0 \u1edf \u0111\u00f3, b\u1ea1n kh\u00f4ng c\u00f2n l\u00e0 tr\u1ee5c quay duy nh\u1ea5t.<\/p>\n\n\n\n<p><strong>Chi\u1ebfn l\u01b0\u1ee3c &#8220;Ch\u00e2n trong ch\u00e2n ngo\u00e0i&#8221;: T\u1eeb \u1ed5n \u0111\u1ecbnh \u0111\u1ebfn b\u1ee9t ph\u00e1<\/strong><\/p>\n\n\n\n<p>B\u1ea1n bi\u1ebft kh\u00f4ng, thay \u0111\u1ed5i t\u01b0 duy kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 ph\u1ea3i b\u1ecf vi\u1ec7c ngay l\u1eadp t\u1ee9c. Trong cu\u1ed1n &#8220;Ng\u0169 Hi\u1ec3u&#8221;, l\u1eddi khuy\u00ean th\u1ef1c t\u1ebf nh\u1ea5t ch\u00ednh l\u00e0 chi\u1ebfn l\u01b0\u1ee3c &#8220;ch\u00e2n trong ch\u00e2n ngo\u00e0i&#8221;.<\/p>\n\n\n\n<p>H\u00e3y d\u00f9ng chuy\u00ean m\u00f4n hi\u1ec7n c\u00f3 \u1edf nh\u00f3m L\u00e0m thu\u00ea \u0111\u1ec3 nu\u00f4i s\u1ed1ng b\u1ea3n th\u00e2n v\u00e0 t\u1ea1o ra s\u1ef1 \u1ed5n \u0111\u1ecbnh ng\u1eafn h\u1ea1n. Nh\u01b0ng thay v\u00ec d\u00f9ng th\u1eddi gian r\u1ea3nh \u0111\u1ec3 ti\u00eau khi\u1ec3n, h\u00e3y d\u00f9ng n\u00f3 \u0111\u1ec3 \u0111\u1eb7t nh\u1eefng vi\u00ean g\u1ea1ch \u0111\u1ea7u ti\u00ean cho doanh nghi\u1ec7p ri\u00eang c\u1ee7a m\u00ecnh. H\u00e3y h\u1ecdc c\u00e1ch x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng, h\u1ecdc c\u00e1ch l\u00e3nh \u0111\u1ea1o v\u00e0 h\u1ecdc c\u00e1ch v\u1eadn h\u00e0nh d\u00f2ng v\u1ed1n.<\/p>\n\n\n\n<p>M\u1ee5c ti\u00eau cu\u1ed1i c\u00f9ng c\u1ee7a ch\u00fang ta kh\u00f4ng ph\u1ea3i l\u00e0 ki\u1ebfm \u0111\u01b0\u1ee3c m\u1ed9t c\u1ee5c ti\u1ec1n th\u1eadt l\u1edbn r\u1ed3i th\u00f4i. M\u1ee5c ti\u00eau th\u1ef1c s\u1ef1 l\u00e0 t\u1ea1o ra <strong>D\u00f2ng ti\u1ec1n (Cashflow)<\/strong>. D\u00f2ng ti\u1ec1n gi\u1ed1ng nh\u01b0 m\u1ed9t d\u00f2ng su\u1ed1i ch\u1ea3y m\u00e3i kh\u00f4ng ng\u1eebng, \u0111\u01b0\u1ee3c t\u1ea1o ra t\u1eeb nh\u1eefng t\u00e0i s\u1ea3n t\u1ef1 v\u1eadn h\u00e0nh. Khi d\u00f2ng ti\u1ec1n th\u1ee5 \u0111\u1ed9ng n\u00e0y l\u1edbn h\u01a1n chi ph\u00ed sinh ho\u1ea1t, \u0111\u00f3 ch\u00ednh l\u00e0 l\u00fac b\u1ea1n ch\u1ea1m tay v\u00e0o s\u1ef1 t\u1ef1 do.<\/p>\n\n\n\n<p><strong>L\u1eddi k\u1ebft cho s\u1ef1 b\u1eaft \u0111\u1ea7u<\/strong><\/p>\n\n\n\n<p>L\u1eadp nghi\u1ec7p th\u00e0nh c\u00f4ng b\u1eaft \u0111\u1ea7u t\u1eeb vi\u1ec7c hi\u1ec3u \u0111\u00fang v\u1ec1 &#8220;lu\u1eadt ch\u01a1i&#8221; c\u1ee7a ti\u1ec1n b\u1ea1c. \u0110\u1eebng ch\u1ec9 ch\u0103m ch\u0103m \u0111i t\u00ecm m\u1ed9t c\u00f4ng vi\u1ec7c t\u1ed1t h\u01a1n, h\u00e3y t\u1eadp trung v\u00e0o vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 th\u1ed1ng t\u1ed1t h\u01a1n. H\u00e3y chuy\u1ec3n d\u1ecbch t\u1eeb t\u01b0 duy c\u1ee7a ng\u01b0\u1eddi &#8220;\u0111i s\u0103n&#8221; (ki\u1ebfm \u0103n t\u1eebng b\u1eefa) sang t\u01b0 duy c\u1ee7a ng\u01b0\u1eddi &#8220;tr\u1ed3ng tr\u1ecdt&#8221; (x\u00e2y d\u1ef1ng ngu\u1ed3n thu ho\u1ea1ch d\u00e0i h\u1ea1n).<\/p>\n\n\n\n<p>H\u00e0nh tr\u00ecnh x\u00e2y d\u1ef1ng d\u00f2ng ti\u1ec1n c\u00f3 th\u1ec3 kh\u00f3 kh\u0103n v\u00e0 \u0111\u00f2i h\u1ecfi s\u1ef1 ki\u00ean tr\u00ec trong \u00edt nh\u1ea5t 3-5 n\u0103m \u0111\u1ea7u, nh\u01b0ng ph\u1ea7n th\u01b0\u1edfng c\u1ee7a n\u00f3 l\u00e0 s\u1ef1 l\u00e0m ch\u1ee7 ho\u00e0n to\u00e0n cu\u1ed9c \u0111\u1eddi m\u00ecnh. B\u1ea1n \u0111\u00e3 s\u1eb5n s\u00e0ng \u0111\u1ec3 x\u00e2y d\u1ef1ng &#8220;d\u00f2ng su\u1ed1i&#8221; c\u1ee7a ri\u00eang m\u00ecnh ngay t\u1eeb h\u00f4m nay ch\u01b0a?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;C\u00f3 nh\u1eefng cu\u1ed1n s\u00e1ch \u0111\u1ebfn v\u1edbi ta nh\u01b0 m\u1ed9t c\u00e1i duy\u00ean, v\u00e0 c\u00f3 nh\u1eefng ki\u1ebfn th\u1ee9c \u0111\u1ebfn \u0111\u00fang l\u00fac nh\u01b0 m\u1ed9t chi\u1ebfc kim ch\u1ec9 nam cho h\u00e0nh tr\u00ecnh c\u00f2n \u0111ang dang d\u1edf. Th\u1eddi gian qua, Th\u1ea3o may m\u1eafn \u0111\u01b0\u1ee3c nghi\u00ean c\u1ee9u cu\u1ed1n c\u1ea9m nang &#8216;Ng\u0169 Hi\u1ec3u \u0110\u1ec3 L\u1eadp Nghi\u1ec7p Th\u00e0nh C\u00f4ng&#8217; c\u1ee7a anh Nguy\u1ec5n Long [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":343,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-340","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-khoi-nghiep-sme"],"_links":{"self":[{"href":"https:\/\/blog.bizbuilderww.tech\/thaomai\/wp-json\/wp\/v2\/posts\/340","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.bizbuilderww.tech\/thaomai\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.bizbuilderww.tech\/thaomai\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.bizbuilderww.tech\/thaomai\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.bizbuilderww.tech\/thaomai\/wp-json\/wp\/v2\/comments?post=340"}],"version-history":[{"count":3,"href":"https:\/\/blog.bizbuilderww.tech\/thaomai\/wp-json\/wp\/v2\/posts\/340\/revisions"}],"predecessor-version":[{"id":347,"href":"https:\/\/blog.bizbuilderww.tech\/thaomai\/wp-json\/wp\/v2\/posts\/340\/revisions\/347"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.bizbuilderww.tech\/thaomai\/wp-json\/wp\/v2\/media\/343"}],"wp:attachment":[{"href":"https:\/\/blog.bizbuilderww.tech\/thaomai\/wp-json\/wp\/v2\/media?parent=340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.bizbuilderww.tech\/thaomai\/wp-json\/wp\/v2\/categories?post=340"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.bizbuilderww.tech\/thaomai\/wp-json\/wp\/v2\/tags?post=340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}