Many investors skimp on the emergency fund, reasoning they can always pause funding their retirement plan in a pinch. Mr. Loescher calls this 'the No. 1 mistake new parents make.' What starts as skipping a few contributions to the 401(k) often ends with raiding the balance to put a child through college. Don't go there.
很多投资者不愿加大应急资金规模,原因是认为在财务拮据时,可以暂停向退休计划缴款。在勒舍尔看来,这是新晋父母的第一号错误。一开始,你只是少向401(k)缴一些钱,结果账户余额就不够让你的孩子上完大学了。不要这样做。
Budget for child-care costs. Mr. Loescher is fortunate that his mother-in-law cares for his son while he and his wife work. At an average cost of $18,000 a year, child care is the biggest line item for many families -- even bigger than food or housing -- yet nearly half don't budget for it, according to a recent survey by Care.com, an online matchmaking service for families and care givers.
为儿童看护做好预算。勒舍尔感到幸运的一点事,他岳母可以帮他带孩子,他和妻子就可以上班。儿童看护的成本平均为每年1.8万美元,这是很多家庭最大的一个支出项目,甚至比食品和住房的成本还高,但根据Care.com近期所做的一项调查,将近一半的新晋父母不会为此做预算。Care.com为需要帮助的家庭和护工提供在线配对服务。
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