20幾歲，你有哪些財(cái)務(wù)規(guī)劃？

Making smart moves is essential at any stage of your life. It is important to start out strong and make choices that will prepare you for wherever life takes you.

在你人生的任何階段，采取明智的舉動(dòng)都是極其必要的。重要的是要開始堅(jiān)強(qiáng)，做出選擇，為生活所需要的一切做好準(zhǔn)備。

You may stay single, end up with a partner or start a family, but the positive financial choices you make in your 20s can set you up to meet the next adventure and know that your future is taken care of.

你可能會(huì)保持單身，最終和伴侶在一起，或者組建一個(gè)家庭，但是你在20多歲時(shí)做出的積極的財(cái)政選擇，可以讓你迎接下一個(gè)冒險(xiǎn)，并且知道你的未來是會(huì)得到照顧的。

Learn six steps you need to take now.

學(xué)習(xí)一下你需要現(xiàn)在就采取的六個(gè)步驟。

1. Start Planning for Retirement

開始為退休做計(jì)劃

The first thing you should do is plan for retirement. Contributing early and regularly means that you can get by with contributing a lower overall percentage of your income and you do not need to worry about catching up later.

你應(yīng)該做的第一件事是退休計(jì)劃。提前定期繳納養(yǎng)老金意味著你繳納較低的總收入百分比就可以了，而且，你也不需要擔(dān)心以后需要高額補(bǔ)交。

It makes sense to plan as though you are going to be responsible for your retirement on your own. This allows you to save enough and will leave you prepared. It may help you to be able to retire early.

你做計(jì)劃時(shí)要好像你自己要為自己的退休負(fù)責(zé)那樣，這是有意義的。這樣可以讓你存夠錢并且做好準(zhǔn)備。還可能有助于你能夠提前退休。

2.Create a Financial Plan

制定財(cái)務(wù)計(jì)劃

A financial plan can include everything from your career plan to your retirement plan. If that feels like too much start out with a five-year plan. Where do you want to be in five years? What do you need to do financially to get there?

財(cái)務(wù)計(jì)劃可以包括從職業(yè)規(guī)劃到退休計(jì)劃的所有內(nèi)容。如果這感覺太多了，就從五年計(jì)劃開始。五年后你想去哪里?為了達(dá)到這個(gè)目標(biāo)，你需要在經(jīng)濟(jì)上做些什么?

Then break it down into yearly and monthly goals and steps. Be sure to include long-term goals like retirement as part of your plan. This may include going back to school to get your education to help with your next career goal.

然后把它分解成每年和每月的目標(biāo)和步驟。一定要把退休等長期目標(biāo)納入計(jì)劃的一部分。這可能包括回到學(xué)校接受教育以幫助你實(shí)現(xiàn)下一個(gè)職業(yè)目標(biāo)。

3. Focus on Climbing the Career Ladder

專注于事業(yè)發(fā)展

Now is a great time to focus on the career ladder. It takes time and hard work to move up. Make clear goals and determine what you need to do to reach them.

現(xiàn)在是一個(gè)專注于事業(yè)發(fā)展的好時(shí)機(jī)。晉升需要時(shí)間和努力。制定明確的目標(biāo)，然后確定你需要做些什么來實(shí)現(xiàn)它們。

It may mean switching companies, moving to another city or going back to school. It may mean that you do side work or create a professional network and find a mentor to help you reach that goal.

這可能意味著換公司，搬到另一個(gè)城市或回到學(xué)校。這可能意味著你要做兼職工作，或者建立一個(gè)職業(yè)關(guān)系網(wǎng)，然后找一個(gè)導(dǎo)師來幫助你實(shí)現(xiàn)這個(gè)目標(biāo)。

Break down the steps for the career path you want to take and start taking them. It is okay to switch directions at some point and choose to go a new direction if you find a better fit for you.

列出你想走的職業(yè)道路的步驟，并開始實(shí)施。如果你找到一個(gè)更適合自己的方向，在有些時(shí)候改變方向去選擇一個(gè)新的方向是可以的。

Dreams can change, but the key is to keep moving forward toward that dream.

夢(mèng)想可以改變，但關(guān)鍵是要繼續(xù)朝著夢(mèng)想前進(jìn)。

4.Make Sure You Are Budgeting

確保你有預(yù)算

Budgeting is one of the biggest tools to managing your money properly.

預(yù)算是正確管理資金的最好工具之一。

When you are single, it is easy to justify not creating a budget. Your expenses are straightforward and if you pay your bills what does it matter when and how you spend your money?

當(dāng)你單身的時(shí)候，不做預(yù)算是很容易的。你的開銷很簡(jiǎn)單，如果你付了賬單，那么什么時(shí)候、怎樣花錢又有什么關(guān)系呢?

However, your budget can help you find areas you can cut back on spending to put more money toward savings or debt.

然而，你的預(yù)算可以幫助你找到可以削減開支的領(lǐng)域，把更多的錢用于儲(chǔ)蓄或債務(wù)。

Make your income a tool, and budget effectively. This does not mean you should not have fun, but determine how much you can afford to spend while working on your financial plan and stick to that amount.

讓你的收入成為一種工具，并有效地進(jìn)行預(yù)算。這并不是說你不應(yīng)該玩得很開心，而是決定在制定理財(cái)計(jì)劃的同時(shí)，你能負(fù)擔(dān)得起多少錢，并堅(jiān)持這么做。

5. Make Sure You Have the Right Insurance

確保你有合適的保險(xiǎn)

Insurance is there to protect you. It can be frustrating to see your income going to insurance each month, but it is there to protect you.

保險(xiǎn)就是為了保護(hù)你的?？吹侥忝總€(gè)月的收入都有一部分要用于保險(xiǎn)是會(huì)令人沮喪，但它確實(shí)是為了保護(hù)你。

When you are a single, short-term and long-term disability insurance can be a life saver, especially if you do not have an emergency fund saved up.

當(dāng)你是單身的時(shí)候，短期和長期的傷殘保險(xiǎn)可以拯救你的生命，特別是如果你沒有準(zhǔn)備應(yīng)急基金的話。

This insurance will protect you if you are suddenly not able to work due to an injury or illness. Health insurance can keep you from going bankrupt when you are suddenly ill. Renter's insurance can help you avoid the stress of replacing everything if you are robbed.

如果你因受傷或生病突然不能工作，這項(xiàng)保險(xiǎn)會(huì)保護(hù)你。健康保險(xiǎn)可以防止你突然生病而破產(chǎn)。如果你被搶劫，承租人保險(xiǎn)可以幫助你避免要更換所有物品的壓力。

Take the time to make sure you are protected.

花點(diǎn)時(shí)間確保你受到保護(hù)了。

6.Build Your Emergency Fund

建立應(yīng)急基金

An emergency fund is essential if you are single. It can be the thing that save you from being homeless if you were to suddenly lose your job.

如果你是單身，應(yīng)急基金是必不可少的。如果你突然失業(yè)，這可能會(huì)讓你免于無家可歸。

It can help cover unexpected expenses and take the worry and weight off.

它可以幫助支付意想不到的費(fèi)用，減輕憂慮和壓力。

For people living on one income, a year's worth of expense is a good goal. This will give you time to find a new job without too much pressure.

對(duì)于只靠一種收入生活的人來說，一年的花費(fèi)是一個(gè)很好的應(yīng)急基金目標(biāo)。這會(huì)給你時(shí)間去找一份沒有太多壓力的新工作。