双语阅读 | 20多岁的年轻人应该如何理财?

双语阅读 | 20多岁的年轻人应该如何理财?
较易 6531

How to Manage Your Money in Your 20s?

How to Manage Your Money in Your 20s?

王淑怡 供稿

When it comes to money, today’s 20-somethings have to grow up fast. Between student loans, pressure to start saving early for retirement and expensive urban housing markets, those first paychecks are in demand and there’s little room for error. It’s not too late to start developing healthy financial habits.


1.Create a Financial Plan
1. 制定财务计划

A financial plan can include everything from your career plan to your retirement plan. If that feels like too much, then 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?


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.


2.Save Regularly
2. 定期储蓄

Determining how to save money can be a challenge for a 20-year-old. To simplify the process, have part of your paycheck deposited regularly into a savings account.


Your first savings priority should be establishing an emergency fund large enough to cover three to six months’ worth of living expenses. You don’t have to build that fund overnight. Start by setting smaller, more attainable savings goals, like 2000 yuan every month, and grow it from there.


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


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.


3.Focus on Climbing the Career Ladder
3. 专注于事业发展

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.


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.


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


4.Save for Retirement
4. 为退休存款

Saving for retirement might not seem urgent when it’s decades away. However, 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. 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. Ultimately, it may help you to be able to retire early. Doesn’t that sound alluring? Make plans and save for the future!



1.paycheck n. 工资支票; 工薪
2.deposit v. 存钱;储蓄
3.savings account 储蓄帐户
4.side work 兼职


  • 字数:545个
  • 易读度:较易
  • 来源:王淑怡 2021-03-01