大约每隔一周,在CNN、USA Today或者Yahoo上就会有一篇关于年轻人陷入债务危机的报道,不论是信用卡还是一般的债务。高额的利息、隐藏在背后的费用、不巩固债务状况——大多数年轻人对于这些都缺乏了解,而正因为这样的无知,他们会在做出判断时犯下致命的错误。一个典型的例子就是他们认为他们总是只需支还基于他们负债上的很小一部分,而没有意识到这在长期将会使他们最终要支付的利息多过2~3倍。
Alongside that, most young adults don’t have a clue on how to invest their money. They don’t know what a Roth IRA account is, or a 401k, or the magic of compound interest, the tax benefits associated with investing in these types of vehicles, etc. There’s a lot of specialized knowledge out there that young adults are not aware of on when it comes to how they can invest their money and as a result, they frivolously spend it away.
除此之外,大多数年轻人不明白如何来将他们的钱用于投资,他们不知道个人退休账户是什么,也不知道养老金计划是什么,也不知道复利的奇妙之处,同样不清楚购买某些汽车所能享受到的税费优惠,等等。在年轻人面对如何投资的问题时,他们所不了解的专业知识太多了,从而导致他们毫不谨慎地就把钱都花光了。
Even something as basic as creating a simple budget is beyond the grasp of some young adults and it simply amazes me that a lot of people don’t do this and some don’t even know how (you’d be surprised). Figure out your income after taxes, pay yourself FIRST (this is a big one – most people pay the bills and frivolously spend the leftovers until next payday), see what you can cut out if things are tight, look to see where you can bring in more income if you need to do so, etc.
【大学里不教但你必须学会的六项本领】相关文章:
最新
2020-09-15
2020-09-15
2020-09-15
2020-09-15
2020-09-15
2020-09-15