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如果你在美国,尽量往这个账户多存钱


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大家都知道,美国有相当一部分普通人过着paycheck to paycheck月光的生活,那么,如何避免成为月光族呢?


一些全球著名的投资者已经给出了标准答案,请参考:

"Don't save what's left after you spend. Spend what's left after you save." -Warren Buffett


“不要花完再存,要存完再花。”——沃伦•巴菲特

"Diversification is the only free lunch in investing."—Harry Markowitz

“分散投资投资中唯一的免费午餐。”——哈里•马科维茨

"Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves." —Peter Lynch

投资者因准备应对市场调整,或试图预测调整而损失的财富,远超过在市场调整本身中所遭受的损失。”—彼得•林奇

"Don't just do something; stand there!" -Jack Bogle

“不要轻举妄动,静观其变!”—杰克•博格尔

"Be fearful when others are greedy, and greedy when others are fearful." -Warren Buffett

“别人贪婪时我恐惧,别人恐惧时我贪婪。”—-沃伦•巴菲特

除了名人们,还有很多普通人自己琢磨出的财务规划。


I immediately started contributing to my 401k out of college and learned to live without that money.

Pay yourself first!

我大学一毕业就立即开始向 401k 账户缴款,并学会在没有那笔钱的情况下生活。优先为自己储蓄!

If you're in the US, maximize both your 401k contributions AND your Roth contributions if you're able to do so.


如果你在美国,尽可能同时最大化你的401k 和Roth 账户的供款额度。

The best advice I got was from my dad. When I was young, he always told me about people at his work that never started their 401k because they had things they wanted to do first. I'll never forget the story he told me of a guy that just needed to build a deck for his house, then he would start investing. The guy finished the deck and then it was on to another project instead of his 401k.

我得到的最好的建议来自我的父亲。在我年轻时,他总是跟我讲他公司里那些因为要先完成某些心愿而迟迟未启动 401k 计划的人。我永远忘不了他讲述的一个故事:有个人觉得只要先建好家里的露台,之后就会开始投资。结果那人露台完工后,又投入到下一个项目中,而非着手于他的 401k。



美国普通人的住房环境

"The best day to start investing was yesterday."

Gotta start young, I teach all my senior students to open investment accounts and teach them the power of exponential growth.

“开始投资的最佳时机是昨天。”
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