I-Ex-Tech -> Abangenakhaya e-SF

Isithombe sikanjiniyela wangaphambili wesoftware elele etendeni ngaku-Market Street asisashaqisi e-San Francisco — sesiwuphawu lwesistimu ephukile ehlafuna abantu abanekhono futhi ibakhafula ngesivinini esesabekayo. Ukuqonda ukuthi izisebenzi zezobuchwepheshe ziwela kanjani ekusweleni amakhaya kuveza amaqiniso angakhululekile mayelana nokuba ntekenteke kwezezimali, inkohliso yokuvikeleka komsebenzi, nokuthi kungani ukuzakhela eyakho imithombo yemali engenayo akuseyona inketho.

Ingabe Izisebenzi Zezobuchwepheshe Ezikhokhelwa Kakhulu Ziphelela Kanjani Ezitaladini Zase-San Francisco?

Phakathi kuka-2022 no-2025, imboni yezobuchwepheshe ilahle imisebenzi engaphezu kuka-400,000 kumagagasi amakhulu wokudilizwa e-Amazon, Meta, Google, Salesforce, kanye namakhulu amafemu amancane. I-San Francisco, isizinda somhlaba wonke sokuqashwa kwezobuchwepheshe, yamunca ingxenye enkulu yalobo buhlungu. Abaningi balaba basebenzi bebehola u-$150,000 kuya ku-$400,000 ngonyaka njengesinxephezelo esiphelele - amaholo abenza bazizwe bengavikelekile.

Kodwa izindleko zokuphila zase-San Francisco ziphakathi kweziphakeme kakhulu emhlabeni. Ifulethi elinekamelo elilodwa linesilinganiso esingaphezu kuka-$3,200 ngenyanga. Lapho ukudilizwa kufinyelela, amaphakheji okuyeka aphela ngokushesha kunalokho okulindelwe noma ubani. Add student loan debt, the cost of health insurance without an employer plan, and a hiring market that suddenly has 50 qualified applicants for every opening, and the math turns brutal. Abanye abasebenzi baqeda ukonga phakathi nezinyanga eziyisithupha. Abanye, ikakhulukazi labo abasebenzisa ama-visa e-H-1B, babhekana nokubala izinsuku ezingama-60 ukuze balishiye izwe noma balahlekelwe yisimo sabo ngokuphelele - okwenza izindlu ezizinzile zingenzeki.

"Isimo sezimali esiyingozi kakhulu akukona ukuba mpofu - ukuncika kumqashi oyedwa embonini engaqeda indima yakho ngokuphazima kweso. Ukuvikeleka kwangempela kuvela ekubeni umnikazi wezinhlelo ezingenisa imali engenayo."

Iyiphi Indima Edlalwa Umqondo We-"Golden Handcuffs" Ekuweni Kwezezimali?

Isiko lobuchwepheshe kudala libungaza amaholo aphezulu ngenkathi likhuza buthule ukwakha ingcebo okuzimele. Amashejuli okuthengiswa kwamasheya, amabhonasi okuphela konyaka, kanye nesithembiso se-IPO somoya sigcina abantu abanamakhono beboshelwe kubaqashi iminyaka. Lolu gibe lwengqondo - olwaziwa ngokuthi "ozankosi begolide" - lusho ukuthi abasebenzi baqongelela ukwehla kwamandla emali yokuphila esikhundleni semali engenayo ehlukahlukene. Bathuthukisa amafulethi, baqashe izimoto zikanokusho, futhi badle ezindaweni zokudlela lapho ukudla okukodwa kubiza u-$200, konke lokhu kubangelwa iholo elizwakala lihlala unomphela.

Lapho iholo linyamalala, alikho icala lebhizinisi elingenisa imali, alikho iphothifoliyo yomkhiqizo wedijithali, akukho mphakathi wamaklayenti. Kukhona ukuqalisa kabusha okuthunyelwa ohlelweni lokulandela umfakisicelo oluzenzakalelayo eduze nezinkulungwane zabanye. Isisebenzi sangaphambili sobuchwepheshe siqala kuqanda — hhayi uziro womuntu ongakaze abe nezinsiza, kodwa uziro odidayo kakhulu womuntu onakho konke futhi walahlekelwa yikho ngokuphelele.

Yikuphi Ukwehluleka Okuhlelekile Okwenza Ukungabi Nakhaya Kwezobuchwepheshe Kube Khona?

• Ukuncika kwe-Visa: Amashumi ezinkulungwane zabasebenzi bakwa-H-1B babhekene sengozini yezomthetho ngokushesha lapho benqanyulwa, kungekho ndlela yokuzisebenza ngaphansi kwesimo sabo samanje.
• Inqubomgomo yezindlu yase-Bay Area: Amashumi eminyaka okubekwa kwezindawo okunemingcele kwenze izindlu ezithengekayo cishe kungenzeki ukuba zakhiwe ngezinga eliphezulu, kungashiyi nenetha yokuphepha yokuphazamiseka kwemali engenayo.
• Izinzuzo eziboshelwe kumqashi: Umshwalense wezempilo, izinsizakalo zezempilo yengqondo, kanye nomhlalaphansi ohambelana nakho konke kuyashabalala kanye kanye nokuqashwa, okuhlanganisa inkinga ngesikhathi esibi kakhulu.
• Ukuqasha ukucwasa ngegebe lokuqashwa: Izinkampani eziningi zisebenzisa amathuluzi okuhlola i-AI anqaba ngokuzenzakalelayo amakhandidethi anezikhala ezidlula izinsuku ezingama-90, okudala umjikelezo ononya lapho ukuntuleka kwemisebenzi kwenza ukuqashwa kabusha kube nzima.
• Izindlela zokuphila ezinezindleko ezingaguquki eziphezulu: Isiko lokusetshenziswa ngokugqamayo lishiya abasebenzi benezibopho zanyanga zonke ezingeke zehliswe ngokushesha lapho imali engenayo yehla ifinyelela kuqanda.

Ungazakhela Kanjani Ibhizinisi Lakho Njengendlela Yokuphila Ngezezimali?

Isifundo esicace kakhulu esisuka enkingeni yokungabi namakhaya yakudala ukuthi iholo lokuqashwa liyiphuzu elilodwa lokwehluleka. Osomabhizinisi abazakhela eyabo imithombo yemali engenayo - ngisho naleyo enesizotha - banephrofayili yengcuphe ehluke kakhulu. Umsebenzi ozimele ohola u-$5,000 ngenyanga kumakhasimende amathathu uqine kakhulu kunomsebenzi ohola u-$20,000 ngenyanga kumqashi oyedwa, ngoba ukulahlekelwa iklayenti elilodwa kungasinda kuyilapho ukulahlekelwa umqashi oyedwa kuyinhlekelele.

Isithiyo sokuqala ibhizinisi sehle kakhulu kule minyaka eyishumi edlule. Amapulatifomu esimanje ahlanganisa konke aqeda isidingo sokuqasha onjiniyela, abakhangisi, kanye nabasebenzi abasebenza ngokuhlukene. Abasebenzi bangaphambili bezobuchwepheshe, ikakhulukazi, banezinzuzo ezingavamile: baqonda ukuthuthukiswa komkhiqizo, bangahamba ngokushesha ngezinqumo zobuchwepheshe, futhi ngokuvamile babe namanethiwekhi ochwepheshe abangawaguqulela ngokushesha abe amakhasimende okuqala. Inselele akuwona amandla — ukuba nengqalasizinda efanele yokuqalisa nokusebenza kahle kusukela osukwini lokuqala.

Lana kanye lapho izinkundla ezifana Mewayz zishintsha khona isibalo. Ngamamojula webhizinisi ahlanganisiwe angu-207 ahlanganisa yonke into kusukela ku-CRM nokumaketha nge-imeyili kuya ku-e-commerce, ukwakhiwa kwezifundo, namathuluzi e-link-in-bio, i-Mewayz inikeza abasebenzi bangaphambili konke abakudingayo ukuze baqhube umsebenzi webhizinisi ophelele ngo-$19 kuya ku-$49 ngenyanga - ingxenye yalokho okungabiza amathuluzi amancane. Abasebenzisi abangaphezu kuka-138,000 sebevele bakha imizila yemali engenayo kule nkundla, abaningi babo bewuhlobo ncamashi lochwepheshe bezobuchwepheshe abasuswe ezindaweni zabo ababone ukuthi ukuba nebhizinisi labo kwakuphephe kakhudlwana kunokujaha omunye umqashi.

Kubukeka Kanjani Ngempela Ukululama Kubasebenzi Be-Ex-Tech ku-SF?

Kulabo asebewele ekusweleni amakhaya, ukululama kuhamba kancane futhi akukhona umugqa. Izikhungo Zokuzulazula ze-SF kanye nezinhlelo zezindlu zesikhashana zihlinzeka ngokuzinza kokuqala, kodwa ukubuyisela emuva kwesikhathi eside kudinga ukukhiqizwa kwemali engenayo. Izinhlangano ezimbalwa manje zinikeza izinhlelo eziqondiswe ngqo kubasebenzi bezobuchwepheshe abanenkinga yokungabi nakhaya, ezibaxhumanisa namathuba okuzimela kanye nomsebenzi wenkontileka oqhelile ongenziwa kusuka emitapweni yolwazi noma ezindaweni zokusebenza ngokubambisana namaphasi osuku.

Abasebenzi abakha kabusha ngokushesha bahlanganyela isici esifanayo: bayeka ukufuna ukuqashwa kuphela bese beqala ukuzakhela okwabo. Ukubonisana, izinsizakalo ezikhiqiziwe, izifundo zedijithali, kanye nemikhiqizo emincane ye-SaaS konke kufinyeleleka kuma-ramp. Amakhono ezobuchwepheshe enze laba bantu babaluleka njengoba izisebenzi zihumusha ngokuqondile kumakhono abasunguli - bavele badinga amathuluzi kanye nokushintsha kwemiqondo ukuze bakusebenzise ngokuzimela.

Imibuzo Evame Ukubuzwa

Ingabe ukungabi nakhaya kwabasebenzi bezobuchwepheshe e-San Francisco kuyinkinga esabalele ngempela?

Yebo. Izinhlangano eziningi ezingenzi nzuzo kanye nemibiko yamadolobha ibhale ukwanda okukhulu kwabantu abangenamakhaya abanesizinda sokuqashwa kobuchwepheshe bangaphambili phakathi kuka-2022 no-2025, okuhlobana ngqo nemijikelezo yokudilizwa kwabantu abaningi ezinkampanini ezinkulu zobuchwepheshe. Lo mkhuba ugxile e-San Francisco nase-Seattle, womabili amadolobha anokuqashwa kwabantu ngobuchwepheshe obuphezulu kanye nezindleko ezidlulele zezindlu.

Iyiphi indlela eshesha kakhulu yokuthi isisebenzi sezobuchwepheshe esidiliziwe sizenzele imali ngokuzimela?

Ukukhiqiza amakhono akhona ezinsizakalweni ezizimele ngokuvamile kuyindlela eshesha kakhulu — ukubonisana, ukubhala ngobuchwepheshe, izinkontileka zokuthuthukisa, kanye nokuhlolwa kwe-UX kungangenisa imali phakathi nezinsuku zokuqala ukuxhumana. Kulabo abafuna ukwakha imali engenayo eyokwehla, ukwethula umkhiqizo wedijithali noma i-SaaS encane kusetshenziswa inkundla yebhizinisi ehlangene njenge-Mewayz kunciphisa kakhulu inkimbinkimbi yokuqalisa kanye nezindleko uma kuqhathaniswa nokuhlanganisa amathuluzi ngamanye.

Ingabe i-Mewayz imsiza kanjani ngokuqondile umuntu osuka emsebenzini aye kwezamabhizinisi?

I-Mewayz ihlanganisa amamojula webhizinisi angu-207 ukuze abe inkundla eyodwa, ithathela indawo isidingo sokubhaliselwe okuhlukene kumathuluzi afana ne-Mailchimp, Shopify, Teachable, Linktree, namanye amaningi. Kumuntu oqala ibhizinisi ngesabelomali esiqinile, lokhu kuhlanganiswa kubalulekile - izinhlelo ziqala ku-$19 ngenyanga futhi zifinyelele ku-$49, zinikeza osomabhizinisi amakhono asezingeni lebhizinisi ngaphandle kwezindleko zeleveli yebhizinisi. Ububanzi benkundla busho ukuthi umsunguli angahlola amamodeli ebhizinisi amaningi ngaphandle kokushintsha amathuluzi njengoba amasu abo athuthuka.

Ipayipi le-ex-tech kuya kwabangenamakhaya e-San Francisco liyisixwayiso sokuthi awukho umholo, kungakhathaliseki ukuthi mkhulu kangakanani, ongathatha indawo yokuba ngumnikazi weholo lakho. Uma igagasi lokudilizwa lifundise imboni yezobuchwepheshe noma yini, kungukuthi ukwakha ingqalasizinda yebhizinisi lakho akuyona into yokuzilibazisa - kuyisu lokusinda ngokwezezimali. Qala ukwakha indlela yakho engenayo ezimele namuhla ngawo wonke amathuluzi owadingayo endaweni eyodwa. Yethula ibhizinisi lakho ku-Mewayz futhi ujoyine osomabhizinisi abangu-138,000+ abakhethe ubunikazi kunokuncika.