首先支付自己
每个月，你都要定下来付账单. 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.
美国人的储蓄模式差别很大. 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2.从2008年4月的9%跌至7%.3% in May 2008 during the housing and banking crisis. It then rose and fell sporadically as the economic environment appeared to stabilize. As of 2023, the average rate has fallen significantly from COVID-era highs of 33.2020年4月8%至4%.截至2023年6月，为3%.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. 一开始，储蓄可能意味着生活方式的小改变. 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
你打算怎么花你省下来的钱?
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. 弗雷德.StLouisFed.org, 2023
2. 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, 可能要缴纳10%的联邦所得税罚款.
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