4個步驟創(chuàng)造有保障的財務(wù)未來
4個步驟創(chuàng)造有保障的財務(wù)未來
Once you have enough cash to cover your emergency fund and upcoming large expenses, put excess cash to work for you by investing.
一旦你有足夠的現(xiàn)金來支付你的應(yīng)急基金和即將到來的大開銷，把多余的現(xiàn)金通過投資來為你工作。
1. Build up your savings and emergency fund.Set aside cash in an emergency fund you can access easily to cover roughly six months of expenses. That way, you’re ready for unexpected events, like a temporary job loss. Also, start setting aside cash for large expenses planned for three – five years from now, like buying a new car, an expensive trip or a wedding.
建立你的儲蓄和應(yīng)急基金。留出一些現(xiàn)金作為應(yīng)急基金，你可以方便地使用，以支付大約六個月的開支。這樣，你就能準(zhǔn)備好應(yīng)對突發(fā)事件，比如臨時失業(yè)。同時，開始為從現(xiàn)在開始計劃的3 - 5年的大開銷留出現(xiàn)金，比如買一輛新車，一次昂貴的旅行或一場婚禮。
2. Invest—don’t sit on the sidelines. While cash is good to have on hand for short-term expenses, historically, inflation outpaces cash. That means your money won’t purchase as much in the future as it does today. Once you have enough cash to cover your emergency fund and upcoming large expenses, put excess cash to work for you by investing, which can earn you more than holding it in savings.
投資——不要袖手旁觀。雖然手頭有現(xiàn)金用于短期支出是件好事，但從歷史上看，通貨膨脹的速度會超過現(xiàn)金。這意味著你的錢在未來買不到現(xiàn)在買的那么多。一旦你有足夠的現(xiàn)金來支付應(yīng)急基金和即將到來的大額開支，把多余的現(xiàn)金通過投資來為你工作，這樣賺的錢比把它作為儲蓄要多。
Start investing early!
盡早開始投資!
Know your options: stocks, bonds, mutual funds, ETFs.
了解你的選擇:股票、債券、共同基金、等等。
3. Spend (and borrow) smartly. There’s such a thing as good debt and bad debt. “Good debt” is when you borrow to fund something that will appreciate, meaning it will lead to higher net worth or grow in value, like school loans and mortgages. Appreciation offsets the interest you’re paying. “Bad debt” is borrowing to fund something that will depreciate — or lose value over time. With bad debt, the item becomes more expensive for two reasons. You’re paying interest, while at the same time, the item is losing value.
明智地消費(和借貸)。有好債和壞債之分。“好的債務(wù)”是指你借錢購買會增值的東西，這意味著它會帶來更高的凈值或價值增長，比如助學(xué)貸款和抵押貸款。升值抵消了你所支付的利息。“壞賬”是借錢來資助一些會貶值的東西——或者隨著時間的推移會貶值。有了壞賬，商品變得更貴有兩個原因：你在支付利息的同時，物品卻在貶值。
4. Make your intentions known — keep your paperwork up to date. In case of emergency, make sure your family, friends and doctors know your wishes.
讓別人知道你的意圖——隨時更新你的文件。在緊急情況下，確保你的家人、朋友和醫(yī)生知道你的愿望。
· Keep beneficiaries on file. Every savings account, investment and insurance policy allows you to designate beneficiaries.
保存受益人檔案。每一個儲蓄帳戶、投資和保險政策都允許你指定受益人。
· Establish a healthcare proxy. This document appoints someone you trust to make medical decisions on your behalf if you are unable to.
建立醫(yī)療保健代理。如果你無法做出醫(yī)療決定，這份文件指定你信任的人代表你做出決定。
· File a will. A will is the best way to pass on your value — even if you do not have children.
立遺囑。遺囑是傳遞個人價值的最好方式——即使你沒有孩子。
