理財經驗不靠譜 十句話揭示理財真相
1. Spend less than you earn.
1. 花的要比賺的少。2. If you're facing a pile of debts, make minimum payments on all of the debts but the one with the highest interest rate, then make the biggest payment you can each month on that high one.
2. 如果你有一堆債務，除了利率最高的那筆債，其餘每筆都還最低限額，然後每個月盡你所能還那筆最大的。3. Never expect that your "future self" or anyone else will bail you out of your dumb mistakes today and remember that only you can make better choices for yourself.
3. 不要期待“未來的自己”或其他任何人來補救你今日愚蠢的錯誤，要記住只有你可以爲自己做更好的選擇。
4. The quickest way to financial recovery is to get a grip on your spending impulses.
4. 讓經濟復甦的最快方法是控制你的消費衝動。5. Life is going to hand you emergencies, so keep at least $1,000 in your savings account for those emergencies.
5. 生活中會出現緊急事件，所以在儲蓄賬戶裏至少留1000美元。6. Be completely open with your spouse about every single dime that comes in and every single dime that you spend.
6. 對你的配偶坦誠得到的和花出去的每分錢。7. Buy items that will last for a very long time at the best possible price and you'll rarely be unhappy with them.
7. 用最實惠的價格買到耐用的物品，那你基本上不會不高興了。8. If your employer offers matching on your 401(k), take as much of it as you can get.
8. 如果你的僱主提供適合你的養老金計劃，儘可能多拿些。9. When you're deciding how to invest, remember that past performance does not indicate future returns and focus instead on the fees and expenses.
9. 當你決定如何投資時，要記住過去的表現並不能說明未來的收益，應該關注費用和開支。10. If you have dependents who rely on you, you ought to have life insurance, but ignore any salesperson who tries to sell you anything other than a term policy.
10. 如果你有依靠你的家屬，那應該買份人壽保險，但別理睬任何想賣給你其他保險的銷售人員。A final "bonus" life and career tip: treat every single person in your life as you would like to be treated, regardless of whether you're in the workplace or in everyday life.
最後有個生活和職場中的“彩蛋”：無論是在職場還是在日常生活中，用你想被對待的方式去對待每一個人。
