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class=\"wp-block-heading\">3. \u5236\u5b9a\u9810\u7b97<\/h2>\n\n\n\n<p>\u5236\u5b9a\u9810\u7b97\u662f\u6709\u6548\u7ba1\u7406\u8cc7\u91d1\u7684\u6700\u91cd\u8981\u6b65\u9a5f\u4e4b\u4e00\u3002\u9810\u7b97\u53ef\u4ee5\u5e6b\u52a9\u60a8\u898f\u5283\u652f\u51fa\uff0c\u4e26\u78ba\u4fdd\u8cc7\u91d1\u5206\u914d\u7b26\u5408\u60a8\u7684\u8ca1\u52d9\u76ee\u6a19\u3002<\/p>\n\n\n\n<p>\u8981\u88fd\u5b9a\u9810\u7b97\uff0c\u8acb\u5217\u51fa\u4f60\u6240\u6709\u7684\u6536\u5165\u548c\u652f\u51fa\uff0c\u4e26\u5c07\u652f\u51fa\u5206\u70ba\u4ee5\u4e0b\u985e\u5225\uff1a\u5fc5\u9700\u652f\u51fa\uff08\u623f\u79df\u3001\u6c34\u96fb\u8cbb\uff09\u3001\u60f3\u8981\u652f\u51fa\uff08\u5916\u51fa\u7528\u9910\u3001\u5a1b\u6a02\uff09\u548c\u5132\u84c4\uff08\u7dca\u6025\u8cc7\u91d1\u3001\u9000\u4f11\u91d1\uff09\u3002\u8acb\u9075\u5faa 50\/30\/20 \u898f\u5247\uff1a\u6536\u5165\u7684 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class=\"wp-block-heading\">5.\u511f\u9084\u9ad8\u5229\u50b5\u52d9<\/h2>\n\n\n\n<p>\u5982\u679c\u60a8\u6709\u9ad8\u5229\u606f\u50b5\u52d9\uff0c\u4f8b\u5982\u4fe1\u7528\u5361\u50b5\u52d9\uff0c\u8acb\u52d9\u5fc5\u512a\u5148\u511f\u9084\u3002\u9ad8\u5229\u7387\u50b5\u52d9\u6703\u8fc5\u901f\u5931\u63a7\uff0c\u8b93\u60a8\u96e3\u4ee5\u70ba\u672a\u4f86\u5132\u84c4\u6216\u6295\u8cc7\u3002<\/p>\n\n\n\n<p>\u4f7f\u7528\u50b5\u52d9\u96ea\u5d29\u6cd5\u6216\u50b5\u52d9\u6efe\u96ea\u7403\u6cd5\u4f86\u511f\u9084\u50b5\u52d9\u3002\u4f7f\u7528\u50b5\u52d9\u96ea\u5d29\u6cd5\u6642\uff0c\u61c9\u5148\u511f\u9084\u5229\u606f\u6700\u9ad8\u7684\u50b5\u52d9\uff0c\u540c\u6642\u5c0d\u5176\u4ed6\u50b5\u52d9\u9032\u884c\u6700\u4f4e\u9650\u5ea6\u7684\u9084\u6b3e\u3002\u4f7f\u7528\u50b5\u52d9\u6efe\u96ea\u7403\u6cd5\u6642\uff0c\u61c9\u5148\u511f\u9084\u91d1\u984d\u6700\u5c0f\u7684\u50b5\u52d9\uff0c\u9019\u53ef\u4ee5\u5728\u4f60\u511f\u9084\u50b5\u52d9\u6642\u7d66\u4f60\u5fc3\u7406\u4e0a\u7684\u9f13\u52f5\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. \u958b\u59cb\u70ba\u9000\u4f11\u5132\u84c4<\/h2>\n\n\n\n<p>\u70ba\u9000\u4f11\u5132\u84c4\u6c38\u9060\u4e0d\u5acc\u65e9\u3002\u8d8a\u65e9\u958b\u59cb\uff0c\u4f60\u7684\u8cc7\u91d1\u901a\u904e\u8907\u5229\u6210\u9577\u7684\u6642\u9593\u5c31\u8d8a\u9577\u3002\u5982\u679c\u4f60\u7684\u96c7\u4e3b\u63d0\u4f9b401(k)\u4e4b\u985e\u7684\u9000\u4f11\u8a08\u5283\uff0c\u4e00\u5b9a\u8981\u597d\u597d\u5229\u7528\uff0c\u5c24\u5176\u662f\u5982\u679c\u4ed6\u5011\u80fd\u5339\u914d\u4f60\u7684\u4f9b\u6b3e\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u6c92\u6709\u96c7\u4e3b\u8d0a\u52a9\u7684\u9000\u4f11\u8a08\u5283\uff0c\u53ef\u4ee5\u8003\u616e\u958b\u8a2d\u500b\u4eba\u9000\u4f11\u5e33\u6236 (IRA)\u3002\u5373\u4f7f\u60a8\u7121\u6cd5\u7e73\u7d0d\u592a\u591a\uff0c\u95dc\u9375\u5728\u65bc\u5118\u65e9\u958b\u59cb\uff0c\u4e26\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\u9010\u6f38\u589e\u52a0\u7e73\u6b3e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">7.\u5b9a\u671f\u8ffd\u8e64\u4f60\u7684\u652f\u51fa<\/h2>\n\n\n\n<p>\u70ba\u4e86\u6709\u6548\u5730\u7ba1\u7406\u4f60\u7684\u8cc7\u91d1\uff0c\u5b9a\u671f\u8ffd\u8e64\u4f60\u7684\u652f\u51fa\u81f3\u95dc\u91cd\u8981\u3002\u8a31\u591a\u4eba\u4e0d\u77e5\u9053\u81ea\u5df1\u7684\u9322\u82b1\u5728\u4e86\u54ea\u88e1\uff0c\u9019\u53ef\u80fd\u6703\u5c0e\u81f4\u904e\u5ea6\u652f\u51fa\u3002\u900f\u904e\u76e3\u63a7\u4f60\u7684\u652f\u51fa\uff0c\u4f60\u53ef\u4ee5\u627e\u51fa\u53ef\u4ee5\u524a\u6e1b\u958b\u652f\u7684\u9818\u57df\uff0c\u4e26\u9032\u884c\u8abf\u6574\u4ee5\u4fdd\u6301\u5728\u9810\u7b97\u4e4b\u5167\u3002<\/p>\n\n\n\n<p>\u60a8\u53ef\u4ee5\u900f\u904e\u5beb\u4e0b\u4f86\u624b\u52d5\u8ffd\u8e64\u60a8\u7684\u652f\u51fa\uff0c\u6216\u4f7f\u7528 Mint\u3001YNAB \u6216 PocketGuard \u7b49\u9810\u7b97\u61c9\u7528\u7a0b\u5f0f\u81ea\u52d5\u8ffd\u8e64\u548c\u5206\u985e\u60a8\u7684\u652f\u51fa\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">8.\u9650\u5236\u4e0d\u5fc5\u8981\u7684\u958b\u652f<\/h2>\n\n\n\n<p>\u6539\u5584\u8ca1\u52d9\u72c0\u6cc1\u6700\u7c21\u55ae\u7684\u65b9\u6cd5\u4e4b\u4e00\u5c31\u662f\u6e1b\u5c11\u4e0d\u5fc5\u8981\u7684\u958b\u652f\u3002\u4ed4\u7d30\u6aa2\u8996\u4f60\u7684\u6d88\u8cbb\u7fd2\u6163\uff0c\u627e\u51fa\u53ef\u4ee5\u524a\u6e1b\u7684\u9818\u57df\u3002\u9019\u53ef\u80fd\u610f\u5473\u8457\u5728\u5bb6\u505a\u98ef\u800c\u4e0d\u662f\u5916\u51fa\u7528\u9910\uff0c\u53d6\u6d88\u4e0d\u4f7f\u7528\u7684\u8a02\u95b1\u670d\u52d9\uff0c\u6216\u5c0b\u627e\u66f4\u5be6\u60e0\u7684\u5a1b\u6a02\u7b49\u66ff\u4ee3\u65b9\u6848\u3002<\/p>\n\n\n\n<p>\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\uff0c\u5c0f\u7684\u8b8a\u5316\u6703\u7d2f\u7a4d\u8d77\u4f86\uff0c\u6240\u4ee5\u5373\u4f7f\u53ea\u662f\u9019\u88e1\u6216\u90a3\u88e1\u7684\u5e7e\u7f8e\u5143\uff0c\u6bcf\u4e00\u9ede\u90fd\u6703\u5e6b\u52a9\u60a8\u5be6\u73fe\u8ca1\u52d9\u76ee\u6a19\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">9. 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class=\"wp-block-heading\">10. \u4e0d\u65b7\u5b78\u7fd2\u500b\u4eba\u7406\u8ca1\u77e5\u8b58<\/h2>\n\n\n\n<p>\u500b\u4eba\u7406\u8ca1\u662f\u4e00\u500b\u7d42\u8eab\u5b78\u7fd2\u7684\u904e\u7a0b\u3002\u4f60\u5b78\u7fd2\u8d8a\u591a\uff0c\u5c31\u8d8a\u6709\u80fd\u529b\u505a\u51fa\u660e\u667a\u7684\u8ca1\u52d9\u6c7a\u7b56\u3002\u95b1\u8b80\u66f8\u7c4d\u3001\u6536\u807d\u64ad\u5ba2\u548c\u95dc\u6ce8\u535a\u5ba2\uff0c\u96a8\u6642\u4e86\u89e3\u7406\u8ca1\u3001\u6295\u8cc7\u548c\u5176\u4ed6\u91d1\u878d\u4e3b\u984c\u3002<\/p>\n\n\n\n<p>\u4e00\u4e9b\u9069\u5408\u5165\u9580\u7684\u597d\u66f8\u5305\u62ec <em>\u5fb9\u5e95\u6539\u8b8a\u4f60\u7684\u8ca1\u52d9\u72c0\u6cc1<\/em> \u4f5c\u8005\uff1aDave Ramsey \u548c <em>\u5bcc\u7238\u7238\u7aae\u7238\u7238<\/em> \u4f5c\u8005\uff1a\u7f85\u4f2f\u7279\u00b7\u6e05\u5d0e\u3002\u64ad\u5ba2\u559c\u6b61 <em>\u6234\u592b\u62c9\u59c6\u9f4a\u79c0<\/em> \u548c <em>\u9078\u64c7FI<\/em> \u4e5f\u662f\u4e86\u89e3\u500b\u4eba\u7406\u8ca1\u7684\u7d55\u4f73\u8cc7\u6e90\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7d50\u8ad6\uff1a\u4fdd\u6301\u4e00\u81f4\u4e26\u4fdd\u6301\u8010\u5fc3<\/h2>\n\n\n\n<p>\u6709\u6548\u7684\u8cc7\u91d1\u7ba1\u7406\u4e26\u975e\u4e00\u671d\u4e00\u5915\u5c31\u80fd\u5be6\u73fe\u3002\u5b83\u9700\u8981\u6642\u9593\u3001\u7d00\u5f8b\u548c\u5805\u6301\u3002\u9075\u5faa\u901910\u500b\u6b65\u9a5f\uff0c\u60a8\u5c07\u8e0f\u4e0a\u66f4\u5065\u5eb7\u7684\u8ca1\u52d9\u4e4b\u8def\uff0c\u5be6\u73fe\u60a8\u7684\u76ee\u6a19\u3002<\/p>\n\n\n\n<p>\u8a18\u4f4f\uff0c\u95dc\u9375\u5728\u65bc\u6bcf\u5929\u5805\u6301\u4e0d\u61c8\u5730\u63a1\u53d6\u5c0f\u884c\u52d5\u3002\u5c08\u6ce8\u65bc\u4f60\u7684\u76ee\u6a19\uff0c\u4e45\u800c\u4e45\u4e4b\uff0c\u4f60\u5c31\u6703\u770b\u5230\u52aa\u529b\u7684\u6210\u679c\u3002\u8ca1\u52d9\u81ea\u7531\u89f8\u624b\u53ef\u53ca\uff01<\/p>","protected":false},"excerpt":{"rendered":"<p>\u638c\u63a7\u81ea\u5df1\u7684\u8ca1\u52d9\u72c0\u6cc1\u662f\u60a8\u80fd\u505a\u51fa\u7684\u6700\u4f73\u6c7a\u7b56\u4e4b\u4e00\u3002\u7121\u8ad6\u60a8\u662f\u525b\u8d77\u6b65\uff0c\u9084\u662f\u6b63\u5728\u52aa\u529b\u91cd\u56de\u6b63\u8ecc\uff0c\u6709\u6548\u7684\u8cc7\u91d1\u7ba1\u7406\u90fd\u80fd\u5e6b\u52a9\u60a8\u7d2f\u7a4d\u8ca1\u5bcc\u3001\u6e1b\u8f15\u58d3\u529b\u4e26\u5be6\u73fe\u8ca1\u52d9\u76ee\u6a19\u3002\u5728\u672c\u6587\u4e2d\uff0c\u6211\u5011\u5c07\u5206\u89e310\u500b\u5be6\u7528\u6b65\u9a5f\uff0c\u5e6b\u52a9\u60a8\u958b\u59cb\u2026 <a title=\"\u958b\u59cb\u6709\u6548\u7ba1\u7406\u8cc7\u91d1\u768410\u500b\u6b65\u9a5f\" class=\"read-more\" href=\"https:\/\/techsmoney.com\/zh\/10-steps-to-start-managing-your-money-effectively\/\" aria-label=\"Read more about 10 Steps to Start Managing Your Money Effectively\">\u95b1\u8b80\u66f4\u591a<\/a><\/p>","protected":false},"author":2,"featured_media":58,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[9,8,7],"class_list":["post-34","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-beginners","tag-10-steps","tag-bitcoin","tag-money"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/posts\/34","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/comments?post=34"}],"version-history":[{"count":1,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/posts\/34\/revisions"}],"predecessor-version":[{"id":59,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/posts\/34\/revisions\/59"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/media\/58"}],"wp:attachment":[{"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/media?parent=34"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/categories?post=34"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/tags?post=34"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}