给20几岁年轻人的10个理财规划建议 (下)

Here is the link.

给20几岁年轻人的10个理财规划建议 (下) 笔记 战略 战术 6. 搬回家和父母住几年 房租是比较大的付出 7. 不买不需要、不必要的东西 幸福感做一个预算 最需要的 最能提供幸福的 必须开销 非必需开销 8. 先存钱 再花销 Pay Yourself First 工资先储蓄 自动转存 Create a savings strategy. Once you’ve found the money you need to pay yourself first, it’s important to find a smart way to save those funds until they’re needed. You can start by moving money into a savings account once a month. There are two easy ways to do this. One, split your direct deposit so that an amount or a percentage goes directly into your savings account before you can spend it. Or, set up an automatic transfer for each payday, regularly sending money from your checking account to your savings account. 9. 免费的午餐不能不拿 退休账户的优惠政策 401k 美国企业退休金计划 好处在于税收优惠，养老金每月从税前工资中扣除。除此之外，401K 账户中的投资收益还享受延迟纳税，在退休取出时才统一交税，各州还有不同的优惠政策。 403(b)退休计划是教育机构或者非营利组织雇员的退休计划。与401(k)退休计划一样，403(b)计划也有延税功能。 10. 和自己另一半在钱、理财、消费方面沟通好达成共识 谈情说爱,也谈钱