12 Personal Finance Moves You Should Make by Age 30
30岁时应该制定的12个个人理财措施
Turning 30 is a big milestone in your life. You're making your goodbyes to young adulthood and slowly coming into your own. With age comes great responsibilities, and at the top of your list should be taking charge of your money. Our finances play a huge role in our lives — money is always one of the top stressors, and it causes the biggest discord among couples. To help you get on track, here's what you ideally should have achieved by age 30.
三十岁在你的生活中是一个大的里程碑。让你的道别青年和慢慢进入全盛时期。随着年龄的增长责任是伟大的,你的列表的顶部应该是管理你的钱。我们的财政发挥巨大的作用在我们的生活中,钱总是数一数二的压力,和它会导致夫妻之间的最大的不和。帮助你走上正轨,这是你的理想情况下应该制定的在30岁时。
1. You should already have an emergency fund. Experts generally recommend six months' worth of living expenses, but some say a year's worth is a better buffer to account for things like medical emergencies or unemployment.
你应该已经有一个应急基金。专家通常建议6个月的生活费,但是有人说一年是一个更好的缓冲对于医疗紧急情况或失业。
2. You should be anticipating, preparing, and saving up for big expenditures. For example, you should factor in your wedding, a house, children, a pet, and other similar major expenses. By planning for these events, you'll be adjusting your lifestyle to afford your future expenses and avoid going into debt for these items. You may want to budget a realistic amount so you don't have to go into debt. Another thought is to forgo some of these expenses — really question if it's a necessity.
你应该期待,准备,和为大支出而储蓄。例如,你应该将这些因素纳入其中：你的婚礼,房子,孩子,宠物,和其他类似的主要费用。通过规划这些事件,你会调整自己的生活方式,支付你的未来费用和避免进入债务为这些项目。你可能想要预算实际数量所以你不必欠债。另一种认为是放弃这些支出——真正的问题如果是必需的。
3. You should have mastered the art of automating. Sending a chunk of your cash automatically to your savings every month means you're paying yourself first.
你应该掌握了自动化的艺术。每月自动发送你的一部分现金储蓄意味着你首先支付自己。
4. You should know how to live within your means but enjoy life at the same time. You should be able to prioritize what's worth spending on and save in other areas so you can enjoy your guilty pleasures. Even if it's daily lattes, you should indulge yourself as long as you're aggressively cutting costs on other items. Remember, what other people skimp on may not be what you would want to give up.
你应该知道如何量入为出,但在同一时间享受生活。你应该能够优先考虑什么值得支出并保存在其他领域,这样你就可以享受快乐。即使每天的拿铁咖啡,你应该放纵自己只要你积极削减成本上其他物品。记住,别人怎么克扣可能不是你想要放弃的。
5. You should be maxing out (or, at the very least, meeting your employer's match for) your 401k.
你应该透支(或者,至少,满足你的雇主的匹配)你的401 k。
6. You should be investing in a Roth IRA.
你应该投资于退休账户。
7. You should have prepared a will.
你应该准备一份遗嘱。
8. You should be paying off and prioritizing your high-interest debt.
你应该偿还优先高息债务。
9. During your 20s, you should be trying to raise your credit score.
在你20多岁,你应该努力提高你的信用评分。
10. You should already have some practice with negotiation — with salary, with service providers, and more.
你应该已经有一些实践与谈判——工资、与服务提供商等等。
11. Fidelity recommends having a retirement fund that's equivalent to your annual salary by age 35. At age 30, you should be on track for that.
忠诚建议有退休基金,相当于35岁的你的年薪。30岁时,你应该走上正轨。
12. You should already have read a couple of personal finance books. To start with, check out Your Money or Your Life ($9) and Total Money Makeover ($15).
你应该已经读过两个人理财书籍。首先,看看你的钱或者你的生活(9美元)和总资金改造(约合15美元)。