剁手黨必看！20幾歲的單身人士應該如何理財？
年輕的單身人士的財務規劃面臨着一些獨特的挑戰。無論你是一直單身，還是剛分手或離婚，在理財時需要銘記一點，你就是自己唯一的收入來源。你仍然有賬單要付，你需要確保自己在沒有伴侶可以依賴的時候利用好現有資金。下面來聽聽專家是如何建議的：
1. Start Planning for Retirement
開始爲退休做計劃
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.
你應該做的第一件事是爲退休做打算。提前定期繳納養老金意味着你繳納較低的總收入百分比就可以了，而且，你也不需要擔心以後需要高額補交。
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.
明智的做法是你要按照自己退休養老的打算去做計劃。這樣可以讓你存夠錢並且做好準備。還可能有助於你能夠提前退休。
te a Financial Plan
制定財務計劃
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?
財務計劃可以包括從職業規劃到退休計劃的所有內容。如果這感覺太多了，就從五年計劃開始。五年後你想去哪裏？爲了達到這個目標，你需要在經濟上做些什麼？
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.
然後把它分解成每年和每月的目標和步驟。一定要把退休等長期目標納入計劃的一部分。這可能包括回到學校接受教育以幫助你實現下一個職業目標。
3. Focus on Climbing the Career Ladder
專注於事業發展
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.
現在是一個專注於事業發展的好時機。晉升需要時間和努力。制定明確的目標，然後確定你需要做些什麼來實現它們。
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.
這可能意味着換公司，搬到另一個城市或回到學校。這可能意味着你要做兼職工作，或者建立一個職業關係網，然後找一個導師來幫助你實現這個目標。
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.
列出你想走的職業道路的步驟，並開始實施。如果你找到一個更適合自己的方向，在有些時候改變方向去選擇一條新的道路是可以的。
Dreams can change, but the key is to keep moving forward toward that dream.
夢想可以改變，但關鍵是要繼續朝着夢想前進。
Sure You Are Budgeting
確保你有做預算
Budgeting is one of the biggest tools to managing your money properly.
做預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?
當你單身的時候，不做預算是很容易的。你的開銷很簡單，如果你付了賬單，那麼什麼時候、怎樣花錢又有什麼關係呢?
However, your budget can help you find areas you can cut back on spending to put more money toward savings or debt.
然而，你的預算可以幫助你找到可以削減開支的領域，把更多的錢用於儲蓄或債務。
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.
讓你的收入成爲一種工具，並有效地進行預算。這並不是說你不應該找樂子，而是要在制定財務計劃時決定你能負擔得起的開支，並堅持這個數額。
5. Make Sure You Have the Right Insurance
確保你有合適的保險
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.
保險就是爲了保護你的。看到你每個月的收入都有一部分要用於保險是不開心，但它確實是爲了保護你。
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.
當你是單身的時候，短期和長期的傷殘保險可以拯救你的生命，特別是如果你沒有準備應急基金的話。
d Your Emergency Fund
建立應急基金
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，應急基金是必不可少的。如果你突然失業，這可能會讓你免於無家可歸。
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.
對於只靠單一收入維持生活的人來說，一年的花費是一個很好的應急基金目標。這會給你時間去找一份新工作，不會有太大壓力。
