美国养大一个孩子的成本有多少_BEC初级作文

美国养大一个孩子的成本有多少

Beef up your emergency fund. 'I think this is the first and most important step from a budgetary standpoint,' says Jake Loescher, a financial adviser with Rockford, Ill.-based Savant Capital Management, and a new dad himself.

加大应急资金的规模。位于伊利诺斯州罗克福德的Savant Capital Management的财务顾问勒舍尔(Jake Loescher)称，从预算角度来看，这是第一步，也是最重要的一步。勒舍尔最近初为人父。

Assuming you already have a cash reserve equaling three to six months of living expenses, 'you have to increase the size of that emergency fund to account for all your new costs,' says Mr. Loescher. These might include infant formula, baby clothes and especially diapers, which are 'crazy expensive' in Mr. Loescher's experience. (He also was surprised by how fast you go through them.) His household expenses went up $200 to $300 a month after his son was born; diapers alone were up to half of the increase.

勒舍尔称，假设你已经有了能够保证未来三到六个月生活支出的现金储蓄，你得增加这笔应急资金的数额，使其能够负担所有新的支出。这些新支出可能包括婴儿配方奶粉、婴儿的衣服以及纸尿裤，尤其是最后一项。根据勒舍尔自己的经历，他认为纸尿裤的支出“贵得吓人”。（纸尿裤的使用速度也令他吃惊。）儿子出生后，勒舍尔每月的家庭支出增加了200到300美元，纸尿裤一项就占去一半。

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