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Whether you consider yourself to be financially responsible, or you always seem to come up short on cash, there are a few key indicators that may indicate you are living beyond your mean. 不管你觉得自己生活富余还是经常会财政短缺，下面这几个小信号都需要注意一下，它们预示着你可能要财政赤字了哦。 And being aware of them can save you loads of money woes in times of a cash emergency. 注意这些能帮你省下一大笔钱以备不时之需。 You couldn’t live without your job’s income for at least six months. 存的薪水不够你花半年 Need some motivation to start saving? Sit down and add up how much money you make each month. Then, multiply that amount by six. 需要让自己省钱的动力？那就坐下来算算每个月能赚多少钱吧，然后乘以6。 Assuming you have a stable job, that’s the minimum balance you should have stashed away in an interest bearing, FDIC insured deposit account that is earmarked solely for emergency needs. 假设你的工作很稳定，这些钱是你需要存起来以备不时之需的最低标准，联邦存款保险公司有专为紧急需要的账户。 Clients frequently underestimate life’s uncertainties and discount the need to have cash available for unexpected events like unemployment, illness, disabilities, and family emergencies. | 
