如果你在美国，尽量往这个账户多存钱

大家都知道，美国有相当一部分普通人过着paycheck to paycheck月光的生活，那么，如何避免成为月光族呢？

一些全球著名的投资者已经给出了标准答案，请参考：

"Don't save what's left after you spend. Spend what's left after you save." -Warren Buffett

“不要花完再存，要存完再花。”——沃伦•巴菲特

"Diversification is the only free lunch in investing."—Harry Markowitz

"Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves." —Peter Lynch

“投资者因准备应对市场调整，或试图预测调整而损失的财富，远超过在市场调整本身中所遭受的损失。”—彼得•林奇

"Don't just do something; stand there!" -Jack Bogle

“不要轻举妄动，静观其变！”—杰克•博格尔

"Be fearful when others are greedy, and greedy when others are fearful." -Warren Buffett

“别人贪婪时我恐惧，别人恐惧时我贪婪。”—-沃伦•巴菲特

除了名人们，还有很多普通人自己琢磨出的财务规划。

I immediately started contributing to my 401k out of college and learned to live without that money.

Pay yourself first!

我大学一毕业就立即开始向 401k 账户缴款，并学会在没有那笔钱的情况下生活。优先为自己储蓄！

If you're in the US, maximize both your 401k contributions AND your Roth contributions if you're able to do so.

如果你在美国，尽可能同时最大化你的401k 和Roth 账户的供款额度。

The best advice I got was from my dad. When I was young, he always told me about people at his work that never started their 401k because they had things they wanted to do first. I'll never forget the story he told me of a guy that just needed to build a deck for his house, then he would start investing. The guy finished the deck and then it was on to another project instead of his 401k.

我得到的最好的建议来自我的父亲。在我年轻时，他总是跟我讲他公司里那些因为要先完成某些心愿而迟迟未启动 401k 计划的人。我永远忘不了他讲述的一个故事：有个人觉得只要先建好家里的露台，之后就会开始投资。结果那人露台完工后，又投入到下一个项目中，而非着手于他的 401k。

美国普通人的住房环境

"The best day to start investing was yesterday."

Gotta start young, I teach all my senior students to open investment accounts and teach them the power of exponential growth.

“开始投资的最佳时机是昨天。”

必须从小做起，我教导所有高年级学生开设投资账户，并让他们了解指数增长的力量。

I can't do the "every dollar" method. Far too tedious, but I know what's left after fixed expenses and monthly saving and craft a life around that.

我无法采用“每一美元”记账法，太过繁琐，但我知道在扣除固定开支和月度储蓄后剩下的金额，并围绕此规划生活。

Learn a skill. Find better employment with that skill. Invest in yourself. Save every dollar you can and live well below your means to live a better life as you get older.

学习一项技能。凭借此技能寻找更好的工作机会。投资自我。尽可能储蓄每一分钱，量入为出，以便随着年岁增长，过上更优质的生活。

Learn valuable skills that you increase over time, work diligently, live within your means, don't wrack up consumer debt, and don't have children before you are married.

学习随时间增值的有用技能，勤奋工作，量入为出，避免累积消费债务，并在结婚前不要生育子女。

Best financial advice, take a free financial literacy class so you can learn how to make your money work for you at any level as well as ways to budget and save and help lift yourself out of poverty for good.

最佳理财建议：参加免费的金融知识课程，学习如何让资金为你效力，无论收入水平如何，同时掌握预算与储蓄之道，助力自己彻底摆脱贫困。

Buy less stuff. Instead, spend money on experiencing life. Live overseas (I volunteered for a short term work assignment in London in my 20s). Buy a cheap airfare on the spur of the moment to a city you've never visited. Go on a weekend road trip. Take a class in something you're curious about.

减少购物。转而将钱花在体验生活上。到海外居住（我在二十多岁时曾志愿参加一个短期工作项目，去了伦敦）。一时兴起，购买廉价机票飞往未曾踏足的城市。来一场周末自驾游。报名参加你感兴趣的课程。

• 量入为出；

• 先储蓄，再消费；

• 少购物，多存钱；

• 存满401K，再存IRA, roth IRA；

• 学习能增值的新技能；

• 理财要尽早，不要拖；

• 体验生活。

以上就是我的分享和总结，欢迎大家补充更多通往财富自由的路径。