6条聪明的理财省钱建议
<p><span word="Most">Most</span> <span word="financial">financial</span>-<span word="planning">planning</span> <span word="advice">advice</span>, <span word="like">like</span> <span word="most">most</span> <span word="New">New</span> <span word="Year">Year</span>'<span word="s">s</span> <span word="resolutions">resolutions</span>, <span word="is">is</span> <span word="too">too</span> <span word="complex">complex</span> <span word="or">or</span> <span word="too">too</span> <span word="banal">banal</span>.</p><p>大多数财务规划建议就像大多数新年许愿一样，不是太复杂就是太平庸。</p><p><span word="Half">Half</span> <span word="of">of</span> <span word="it">it</span> <span word="is">is</span> <span word="designed">designed</span> <span word="for">for</span> <span word="Type">Type</span>-<span word="A">A</span> <span word="drill">drill</span> <span word="sergeants">sergeants</span> <span word="who">who</span> <span word="already">already</span> <span word="alphabetize">alphabetize</span> <span word="their">their</span> <span word="refrigerators">refrigerators</span>. <span word="The">The</span> <span word="other">other</span> <span word="half">half</span> <span word="you">you</span>'<span word="ve">ve</span> <span word="heard">heard</span> <span word="before">before</span>.</p><p>一半的建议是专为具有<span word="A">A</span>型人格的军事操练教官设计的，这些人已经按字母顺序给冰箱里的食物排好了序。另一半你已经听说过了。</p><p><span word="Let">Let</span>'<span word="s">s</span> <span word="assume">assume</span> <span word="you">you</span> <span word="are">are</span> <span word="already">already</span> <span word="paying">paying</span> <span word="off">off</span> <span word="your">your</span> <span word="credit">credit</span> <span word="cards">cards</span>, <span word="contributing">contributing</span> <span word="to">to</span> <span word="your">your</span> 401(<span word="k">k</span>) <span word="at">at</span> <span word="work">work</span> <span word="and">and</span> <span word="flossing">flossing</span> <span word="after">after</span> <span word="every">every</span> <span word="meal">meal</span>.</p><p>让我们假设你已经还清了信用卡债务，缴纳了养老保险，每次用餐后都用牙线清洁了牙缝。</p><p><span word="Here">Here</span> <span word="are">are</span> <span word="six">six</span> <span word="unusual">unusual</span>, <span word="and">and</span> <span word="doable">doable</span>, <span word="smart">smart</span> <span word="money">money</span> <span word="moves">moves</span> <span word="for">for</span> <span word="the">the</span> <span word="new">new</span> <span word="year">year</span>.</p><p>以下是为来年准备的六条虽不寻常但却可行的聪明理财建议。</p><p>1. <span word="Work">Work</span> <span word="out">out</span> <span word="your">your</span> <span word="biggest">biggest</span> <span word="savings">savings</span> <span word="goal">goal</span>.</p><p>1. 弄清你的最大储蓄目标</p><p><span word="Many">Many</span> <span word="people">people</span> <span word="working">working</span> <span word="today">today</span> <span word="are">are</span> <span word="likely">likely</span> <span word="to">to</span> <span word="live">live</span> <span word="for">for</span> <span word="three">three</span> <span word="decades">decades</span> <span word="after">after</span> <span word="they">they</span> <span word="become">become</span> <span word="eligible">eligible</span> <span word="for">for</span> <span word="Social">Social</span> <span word="Security">Security</span>, <span word="but">but</span> <span word="few">few</span> <span word="of">of</span> <span word="them">them</span> <span word="have">have</span> <span word="a">a</span> <span word="clue">clue</span> <span word="what">what</span> <span word="that">that</span> <span word="means">means</span> <span word="financially">financially</span>.</p><p>目前还在工作的人在他们有资格领取社会保障金之后还有可能再活30年，但他们中很少有人明白这在经济上意味着什么。</p><p><span word="Just">Just</span> 42% <span word="of">of</span> <span word="working">working</span>-<span word="age">age</span> <span word="Americans">Americans</span> <span word="have">have</span> <span word="even">even</span> <span word="tried">tried</span> <span word="to">to</span> <span word="calculate">calculate</span> <span word="what">what</span> <span word="they">they</span> <span word="will">will</span> <span word="need">need</span> <span word="in">in</span> <span word="retirement">retirement</span>, <span word="according">according</span> <span word="to">to</span> <span word="the">the</span> <span word="Employee">Employee</span> <span word="Benefit">Benefit</span> <span word="Research">Research</span> <span word="Institute">Institute</span>, <span word="a">a</span> <span word="Washington">Washington</span>, <span word="D">D</span>.<span word="C">C</span>.-<span word="based">based</span> <span word="think">think</span> <span word="tank">tank</span>.</p>
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