首先支付自己
Each month, you settle down to pay bills. 你还你的抵押贷款. 你付钱给电力公司. 你付钱给收垃圾的人. 但是你给自己发工资吗? One of the most basic tenets of sound investing involves the simple habit of “paying yourself first” – in other words, making your first payment of each month a deposit into your savings account.
The saving patterns of Americans vary widely. And too often, short-term economic trends can interrupt long-term savings programs. 例如，美国和欧盟.S. 个人储蓄率从3.5% to nearly 8% in May 2008 during the housing and banking crisis. It then rose and fell sporadically as the economic environment appeared to stabilize. 2012年12月达到12%的峰值. 截至2021年, the average rate has once again varied widely between about 15% to 28%, 主要原因是COVID-19大流行.1
首先支付自己的天才
Anyone who’s ever managed their own finances knows that saving can be a challenge. There seems to be an endless stream of expenses that demand a piece of each month’s paycheck. Herein lies the genius of paying yourself first: you get the cream at the top of the bucket, 而不是底部的剩菜.
关键是要分清轻重缓急. 一定要把你的未来放在第一位. At first, saving may mean a small lifestyle change. But most individuals want to see their net worth increase steadily. For them, finding ways to save becomes more of a long-term commitment than a short-term challenge.
让你的钱发挥作用
What will you do with the money you save?
If retirement is your priority, consider taking advantage of tax-advantaged investments. 雇主赞助的退休计划, 比如401(k)计划, can be a great way to save because the money comes out of your paycheck before you even see it. Also, as an added incentive, some employers offer to match a percentage of your contributions.2
For money you may want to access before retirement, consider placing the funds in a separate account. 当平衡达到你的目标时, you may want to move the money into investments that offer the potential for higher returns. 当然, this may mean exposing your money to more volatility, so you’ll want to choose vehicles that fit your risk tolerance, 时间范围, 长期目标.
In the pursuit of growing wealth, sound habits can be your most valuable asset. Develop the habit of “paying yourself first” today. The sooner you begin, the more potential your savings may have to grow.
1. 美国联邦储备银行. 路易斯,2021
2. 根据《love爱博体育app下载》, 在大多数情况下, you must begin taking required minimum distributions from your 401(k) or other defined contribution plan in the year you turn 73. Withdrawals from your 401(k) or other defined contribution plans are taxed as ordinary income, 如果在59岁半之前服用, may be subject to a 10% federal income tax penalty.
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