—嗨 我是切尔西—我是劳伦
-Hi, I’m Chelsea.-And I’m Lauren.
我们是财经早餐
And we are the Financial Diet.
今天我们这还有夏日新造型的莫娜
And we also have Mona here today with her fresh summer cut.
那么 就像你们大多数人所知
So as most of your guys know,
劳伦最近大部分时间都在幕后
Lauren has mostly moved behind the camera now.
她帮忙让视频
She helps make the video
更出色 并且帮助创作视频等等
even more beautiful and produce them, etc.
但我们今天要对一些之前讲到过的
But we’re doing a little bit of a refresh today
最重要的东西做一点更新
on a lot of the most important stuff that we’ve covered on TFD.
因此 她认为她要跟大家问声好
And so she thought she’d say hi for that.
并且我也想回来跟大家问好
And I also wanted to come back on to say hello
因为观众越来越多啦
because there are so many more of you.
—有好多新订阅者—是呀 好多
-There are so many new subscribers.-Yeah, so many
哇哇哇 因此这也是我们想
Ooooh! So that’s also part of the reason why
做这个小更新的部分原因
we wanted to do this little refresh,
是为了你们中可能有的新人
for some of you who might be new.
不再多废话了
So without any further do,
我们就直入主题吧
let’s just jump right in to
你在30岁前必须采取的10个
the 10 BIG MONEY STEPS that you should be taking before 30.
第一点 准备一笔6个月的应急基金
No.1 is create a six-month emergency fund.
这我们频道之前绝对讲到过
Now this is definitely something we’ve touched on in the channel before,
但是这是值得重复的
but it always bears repeating.
大约70％美国人银行账户里
Nearly 70% of Americans have under $1000
随便哪个时候看都少于1000美元
in their bank account at any given time,
这基本上就表示
which basically means that
不夸张地说 如果碰到任何不好的事情 他们就完了
if literally anything bad happens, they’re screwed.
其实有一个保准没错的方式 可以让你知道
And there is really one surefire way to know that
如果有什么坏事发生了 你还可以包得住
if that something bad happens, you’ll be covered.
这就是一笔应急基金
And that is an emergency fund.
你知道的 有些人会说差不多3个月的生活费就够了
You know some people say it’s 3 months worth of total living cost,
有的人会说要9个月
some people it’s 9.
我们认为6个月是比较合适的
We think 6 months is about the right amount to have
以保证无论什么事发生 你都可以包得住
to make sure that no matter what happens, you’re covered.
因此 这就意味着有相当于6个月生活总费用
So that means 6 months of total living costs and expenses
存在一个你可以立即使用的账户中 比如储蓄账户
in the account you can immediately access like a savings account.
如果你还没有应急基金
If you don’t already have an emergency fund,
这应该是你的第一要考虑的行动
it should be your no.1 priority,
在其它任何理财相关的时之前
before anything else financially.
但如果你还没有一笔应急基金
But if you don’t already have one,
最简单的办法就是
the easiest way to go about it is to
挑战你自己 过几个月极其节俭的日子
challenge yourself to live super minimally for a few months
并且做些兼职 直到你有足够的现金备用
while taking on extra side jobs until you have that cash socked away.
第2点 克服你消费时的坏习惯
No.2 is to overcome your bad spending habits.
不管你是冲动的消费者、慢性回避者还是银行卡滥用者
Whether you’re an impulse spender, a chronic avoider or a card abuser,
都要诚实坦率地面对你自己消费时的坏习惯
being honest and upfront about your bad spending habits
这是所有经济上负责任的成年人的第一步
is the first step of all financially responsible adults.
年轻人中最普遍的坏习惯之一就是冲动消费
One of the most common bad habits amongst young people is impulse spending,
这常常与焦虑、不开心或是压力相连
which can usually be tied to anxiety, unhappiness or stress.
一些改正坏消费习惯的好方法是
Some good ways to fix bad spending habits are
密切跟踪你的预算
to track your budget closely
和你为之花钱的每样东西
and everything that you’re spending money on,
为你自己做个计划
to make a plan for yourself
千万不要一冲动就买了不必须的东西
and to never impulse buy on things that are not essential items,
对于这些东西 给点时间 等等再买
give it time and wait on those purchases.
切尔西其实做过一个很棒的视频
Chelsea actually made a really good video on
是关于如何改正坏消费习惯的
how to fix bad spending habits.
我们会在下方的描述中链接到那个视频
And we’ll link to that in the description below.
第3步 精通预算制定
No.3 is master budget making.
现在有非常多种好办法可以跟踪预算
Now there are a million good ways to track a budget.
你有手机应用 你有Excel表格
You have apps. You have excel spreadsheet.
有些人喜欢做纯现金预算
Some people like to do all cash budgets.
不管你的体系是什么
Whatever your system is,
关键就是 你要
the point is you have to
密切跟踪你的金钱流入和流出
be closely tracking your money in and your money out.
但是 当遇到实际的预算分解时
But when it comes to actual breakdown of the budget,
每个人的情况和需求都不同
while everyone’s situations and needs might vary.
有一个相对简单的法则
There is a pretty simple rule
能帮助大部分人确定他们的金额
that helps most people figure their numbers out.
这叫做50-30-20法则
It’s called the 50-30-20 rule.
这意思就是
And all it means is
你预算中的50％应该划入固定成本
50% of your budget should be going to fixed costs,
比如你的房租，每月账单，生活用品等等
like your rent, your monthly bills, your groceries, etc.
预算的30％应该划入你的理财目标
30% of it should be going to your financial goals,
你的存款、投资、退休金等等
your savings, your investment, your retirement, etc.
那么剩下的20％就是你的机动消费了
And then 20% is your flexible spending,
旅游、和朋友出去玩、电影 诸如此类
travel, going out with friends, movies, whatever.
显然你要与你自己的需求相协调
Now you’re gonna have to tailor to your own needs obviously,
但这是一个开始规划你的消费的好办法
but it’s a great way to start structuring your spending.
第4步 保证准时支付账单
No.4 is to master on time bill payment.
我花了很长时间才养成
So it took me a long time to build up the habit
准时付账单的习惯
of paying my bills on time.
生活往往很忙
Life gets really busy,
我就会有些健忘
and I tend to be a little bit forgetful.
因此我常常忘了
So it would always slip my mind
信用卡什么时候还款
when credit card bills were due,
我的学生贷款什么时候该还了
and when my student loan payments were due.
幸好 我很快就掌控了它们
Thankfully, I got it under control fast,
因为这可能会使我的信用评分大幅下降
because that could have decimated my credit score.
早日找到适合你的
It’s important to figure out
系统是很重要的
the system that works for you early on
这样才能让你自己在轨道上
to keep yourself on track.
因此 你可以做一些事 比如自动账单支付
So you can do things like automate bill payments,
你可以合并一些账单
you can consolidate certain bills
这样你就不用记挂那么多了
that you have less of them to think anout,
你也可以在你的手机上设置非常多通知和提醒
and you can also set up a ton of alerts and reminders in your phone.
即使是像我自己一样在冰箱上贴些便利贴
Even something like for me personally putting post-its on my refrigerator
写上我的贷款到期的日期
with the dates that my loan payments were due
都是超级有帮助的
is super helpful.
第5步 至少有一种额外的收入来源
No.5 is have at least one side source of income.
这可以是主动收入 比如一份兼职工作
Now this can be active income, like a side job,
或者可以是被动收入 比如投资
or can be passive income, like investment.
但是 重点在于 你要有
But the point is you need to have
至少一个其它收入来源
at least one more source of money coming in,
除了你正常的工作之外
that isn’t your regular job.
说这样好是有很多理由的
And this is good for a lot of reasons.
因为显然 你的兼职工作或其他
Because obviously like with your side job and stuff,
能让你学到另外的技能
you can learn extra skills
并且 你懂的 能充实你的简历
and, you know, sort of build your resume.
但即使是纯考虑金钱
But even just in terms of pure money,
你也可以建立巨大的安全感
you build up a huge sense of secutiry.
万一比如我们假设
in the fact that like let’s say
你的主要工作出了问题
something does happen to your main job,
显然这仍然很糟糕
clearly it’s still terrible,
发现这并不是你的唯一收入来源
but it’s not the only source of income that you have,
因此也就没那么崩溃了
so it’s less devastating.
并且你有越多额外收入
And the more of those you build up,
你就越自由
the more freedom you have,
你的一份工作也会越少压力
and the less pressure on your one job.
你没有把鸡蛋都放在一个篮子里
You’re not putting all your eggs in that basket.
第6步 有良好的信用评分
No.6 is to have a good credit score.
显然这说起来容易做起来难 但就是这样
Obviously easier said than done, but there it is.
这一点真的很重要
So this is a really important one,
因为有良好的信用评分
Because having a good credit score
可以让你有机会做那些你想做的非常有趣的
opens you up to all those really fun adult things
成年人的事情
that you wanna do,
比如 抵押贷款
like getting a mortgage,
用非常低的利率贷款
securing a loan with a very low interest rate,
让你的信用卡有更优惠的条款
getting the credit card with more favorable terms,
租车 所有这些事情
leasing a car, all those things.
我们之前在这个频道也说过这个话题
So we’ve talked about this on our channel before,
但这里做个快速的复习
but a really quick refresher on
如何快速提高你的评分呢
how to raise your score quickly
你要按时支付所有账单
is to pay all your bills on time,
保持低的信用卡欠费
to keep your credit card balances low,
偿还你的债务
to pay off your debt,
并且别一次开太多张卡
and to also never open up too many cards at one point.
现在700以上的信用评分
Now credit scores of 700 and above
被认为是良好的
are generally considered good.
你可以用像creditkarma这样的网站开查询你的评分
And you can use sites like creditkarma to check your score
并且帮助提高它
and help to raise it.
第7步 制定正确的债务偿还计划
No. 7 is make the right debt repayment plan.
基本上 你从比如说
Basically the debt repayment plan that you start out with
学生贷款还款计划
when let’s say you graduate from college with student debt,
可能不是未来生活中
may not be the right way
偿还贷款的正确方式
to pay off your debt for the rest of your life.
随着你成长、改变
As you grow and change,
比如像公共服务贷款减免项目、
everything from programs like the public service loan forgiveness program
合并、再融资
to consolidation, to refinancing,
等等其它任何情况
to whatever it may be
你都可以使用
are all available to you
来确保你的贷款
to make sure that the debt repayment
偿还计划满足你的需求
that you’re doing fits your needs
和你的理财目标
as well as your financial goals.
确保20多岁的时候至少进行2次检查
Make sure to do at least 2 checkins throughout your twenties
问问你自己：
to ask yourself:
我的债务偿还计划对我自己是正确的吗？
Is my debt payment plan the right one for me?
我应该做一些调整吗？
Or should I do some restructuring?
我丈夫自从大学毕业后
My husband actually refinanced his loans twice
事实上已经再融资2次了
since he’s graduated from college.
并且他差不多只有28岁
And he’s like only 28.
他对此感到很满意
And he’s super happy with it.
如果这对你是正确的 就是必不可少的一步
It’s a badass move if it’s the right one for you.
像学生贷款英雄这样的应用就很好用 可以检查你的债务
Apps like student loan hero are great for checking in for your debt
看看你可以对它做些什么
and seeing what could be done with it.
第8步 开始为退休存钱
No.8 is to start saving for retirement.
你的20来岁对你的
Your twenties are super valuable
长期退休目标极有价值
to your long term retirement goals.
你越早设立那些账户
And the earlier that you set up those accounts,
你的钱就在账上并且享受复利的时间就会越长
the longer your money has to sit and grow at a compound interest.
你可以从很多种退休账户开始
So there are a lot of retirement accounts to get started with.
其中最普遍的就是
The most common of them being
401(k)，IRA和罗斯IRA
401(k)s, IRAs and Roth IRAs.
基本上 401(k)资金是由雇主统筹
Basically a 401(k) comes through your employer,
而你自己直接拿到的是IRA
whereas you yourself get IRAs.
不过它们实现的目标基本相同
But they accomplish very similar goals.
并且 如果你的确通过你的雇主持有退休金账户
And if you do have a retirement account through your employer,
确保你明白
make sure you’re finding out
它们是否能够匹配
whether or not they’ll match up
你存进去的那部分金额
percentage of the money that you put into it.
因为你
Because you really want to maximize that benefit
那你一定不能放过这部分免费的资金来源
at essentially free money you’re missing out on, if you don’t.
显然 每个人的目标都不同
So obvioualy, everyone’s goals are gonna be different,
那么你在30岁前能拥有的存款也就不同了
and the amount you’ll have saved by 30 will look different
我们和我们在费城的朋友做过一个很棒的访问
but we did a great interview with our friend at Philadelphia
教20多岁的人如何开始管理退休金账户
teaching 20 somethings how to get started with your retirement account.
第9步 精通财务事项
No.9 is become financially fluent.
基本上 在每件事中 从投资到抵押贷款
Basically in everything from investing to mortgages
但每日的资金流动
to just day to day money actions,
都有许多你需要
there are a lot of terms that
熟悉的名词
you need to be familiar with,
才能至少会说和理解资金的语言
in order to at least speak and understand the language of money.
你能理解越多资金概念
The more you really understand the money concepts,
你决定理财目标就会更容易
the easier it is to decide your financial goals
并且制定实现这些目标的计划也更容易
and also make plans to achieve them.
我们做过一个视频解读一些最重要的资金术语
We did a video breaking down some of the most crucial money terms
每个人都需要知道它们的意思
that everyone should know the definition of.
我们会在下面链接到它
And we’ll link it below.
第10步 建立资金社区
No.10 is to build a money community.
[鼓掌]耶！
[clap] yeah!
随着你接近30岁
So as you approach 30,
这件事就变得
this is gonna be something that is
同等重要了
of tantamount importance.
同等的
Tantamount.
同等的
Tantamount.
就是同等的 我们用了同等这个词
So tantamount, we are using the word tantamount.
你的资金社区本质上来说应该由
Your money commumity is essentially comprised of people
你觉得能相信的人组成
that you feel like you can confide in,
你可以对他们表达你的长期和短期
that you cam express your long and short term
资金目标、担心和梦想
money goals, fears and dreams,
这些人会在那里
and people that are gonna be there
一直支持着你
to support you along the way.
基本上就是你可以进行开放的、有意义的谈话的人
Basically people that you could have open and constructive conversations with.
你也希望能有
You also want to have someone
比如一个正式的理财顾问或财务伙伴
like a more formal financial advisor or a financial buddy.
我们的确做过一个关于财务伙伴的视频
And we actually did a video on financial buddies
我们会在下面放上链接
and we’ll link to that below.
不是每个人都能负担一个理财顾问
Not everyone can afford a financial advisor,
但是如果你在身边至少有
but if you at least have one or two
1个或2个真正值得相信的人
really trusted people in your immediate community,
这已经是一大步了
that’s already a big step.
显然还有很多其他你在30岁前
So obviously there’re plenty of other steps
可以采取的步骤
you’ll also be taking on the way to 30.
但是 这里是10个最重要的
But those are 10 of the biggest ones
如果你能掌握这些
that if you master them,
你就可以在财务生活上
you’ll have way more control and
有更强的控制和更多自由
way more freedom in your financial life.
出来露露脸真是太有趣了
So it’s super fun hanging out,
和往常一样的 感谢你们的观看
and as always, thank you for watching.
别忘了点订阅按钮哦
And don’t forget to hit the subscribe button
还可以去THEFINANCIALDIET.COM上面看更多内容
and go to THEFINANCIALDIET.COM for more.
再见！
Bye!
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