|
Most financial-planning advice, like most New Year's resolutions, is too complex or too banal. 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。 Half of it is designed for Type-A drill sergeants who already alphabetize their refrigerators. The other half you've heard before. 一半的建议是专为具有A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。 Let's assume you are already paying off your credit cards, contributing to your 401(k) at work and flossing after every meal. 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。 Here are six unusual, and doable, smart money moves for the new year. 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。 1. Work out your biggest savings goal. 1. 弄清你的最大储蓄目标 Many people working today are likely to live for three decades after they become eligible for Social Security, but few of them have a clue what that means financially. 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。 Just 42% of working-age Americans have even tried to calculate what they will need in retirement, according to the Employee Benefit Research Institute, a Washington, D.C.-based think tank. | 
