{"id":987,"date":"2023-10-24T21:29:38","date_gmt":"2023-10-24T13:29:38","guid":{"rendered":"https:\/\/taichungbro.com\/?p=987"},"modified":"2024-01-11T10:46:51","modified_gmt":"2024-01-11T02:46:51","slug":"financial-management","status":"publish","type":"post","link":"https:\/\/www.taichungbro.com\/en\/2023\/10\/24\/financial-management\/","title":{"rendered":"Young People's Financial Philosophy: 4 Steps to Calculate Required Funds"},"content":{"rendered":"

\u4f60\u8a8d\u70ba\u4eba\u751f\u7684\u5404\u968e\u6bb5\u8981\u6709\u591a\u5c11\u5b58\u6b3e\u624d\u5408\u7406\u5462? \u8981\u6709\u591a\u5c11\u9322\u624d\u7b97\u5920\u7528? 30\u6b72\u61c9\u8a72\u8981\u5b58\u591a\u5c11\u9322? \u5e7e\u6b72\u8981\u6709\u8eca\u6709\u623f? \u7576\u7136\u9019\u554f\u984c\u6c92\u6709\u6a19\u6e96\u7b54\u6848\u3002\u7562\u7adf\u6bcf\u500b\u4eba\u7684\u751f\u6d3b\u689d\u4ef6\u8ddf\u6240\u671f\u671b\u7684\u90fd\u4e0d\u4e00\u6a23\uff0c\u6c92\u6709\u6a19\u6e96\u7684\u6578\u5b57\u3002
\n\u4f46\u4e8b\u5be6\u4e0a\u9019\u662f\u80fd\u5efa\u7acb\u4e00\u5957\u516c\u5f0f\u7684\u5594\uff0c\u6211\u5011\u8209\u500b\u4f8b\u5b50 :
\n\u5047\u8a2d\u5c0f\u738b\u73fe\u572825\u6b72\uff0c\u5e74\u85aa60\u842c\u3001\u5b58\u6b3e20\u842c\u3001\u525b\u9760\u4fe1\u8cb840\u842c\u8cb7\u8eca\uff0c\u8cb8\u6b3e7\u5e74\u7e3d\u5229\u606f2\u842c\u3001\u6709\u8eca\u6c92\u623f\uff0c\u4e14\u9084\u670910\u842c\u5b78\u8cb8\u542b\u5229\u606f\u8981\u9084\uff0c\u6211\u5011\u4f86\u4f30\u770b\u770b30\u6b72\u6642\u5c0f\u738b\u9700\u8981\u591a\u5c11\u9322?
\n\u9996\u5148\uff0c\u8981\u5148\u91d0\u6e05\u8ca1\u52d9\u6536\u652f\u7684\u5169\u500b\u7cfb\u7d71\uff0c\u5206\u5225\u662f\u201d\u91d1\u6d41\u201d\u8207\u201d\u8cc7\u7522\u201d\uff0c\u800c\u9019\u5169\u8005\u662f\u9700\u8981\u5206\u958b\u4f86\u770b\u7684\u3002 \u5728\u9019\u908a\u91d1\u6d41\u5c31\u662f\u6307\u4f60\u6bcf\u500b\u6708\u7684\u6536\u652f\u72c0\u6cc1\uff0c\u6211\u5011\u8981\u9810\u4f30\u4f60\u9054\u6210\u76ee\u6a19\u5f8c\u6709\u6c92\u6709\u80fd\u529b\u8ca0\u64d4\u6bcf\u6708\u91d1\u6d41\u7684\u80fd\u529b\u3002 \u800c\u8cc7\u7522\u5c31\u770b\u73fe\u91d1\u7e3d\u6578\uff0c\u4f8b\u5982\u5b58\u6b3e\u3001\u80a1\u7968\u57fa\u91d1\u514c\u73fe\u7b49\u7e3d\u548c\u3002<\/p>\n

\u7b2c\u4e00\u6b65\uff0c\u5236\u5b9a\u76ee\u6a19\u6210\u672c<\/strong><\/h3>\n

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\n\u5c0f\u7de8\u9019\u908a\u4e00\u5f8b\u5efa\u8b70\u8a08\u756b\u4e0d\u8981\u592a\u77ed\u4e5f\u4e0d\u8981\u9577\uff0c2-5\u5e74\u70ba\u512a\u3002<\/p>\n

\u7b2c\u4e8c\u6b65\uff0c\u6bcf\u6708\u56fa\u5b9a\u652f\u51fa<\/strong><\/h3>\n

\u9019\u90e8\u5206\u9700\u8981\u4f60\u6709\u8a18\u5e33\u7684\u7fd2\u6163\u4e14\u5fc5\u9808\u8981\u4e86\u89e3\u4f60\u6709\u6c92\u6709\u6bcf\u5e74\u9700\u8981\u7e73\u7684\u9322\u3002\u4f8b\u598225\u6b72\u671f\u9593\uff0c\u5c0f\u738b\u6bcf\u500b\u6708\u7684\u751f\u6d3b\u652f\u51fa\u7d042\u842c9\u5343\u5143(\u5305\u542b\u623f\u79df\u3001\u5403\u98ef\u3001\u5a1b\u6a02\u3001\u6cb9\u9322\u3001\u990a\u8eca\u3001\u96fb\u8a71\u8cbb\u7b49)\uff0c\u518d\u52a0\u4e0a\u56fa\u5b9a\u652f\u51fa(\u4f8b\u5982\u4fdd\u8cbb\u4e00\u5e743\u842c6\u5343\u5143\u3001\u8cb7\u8eca\u7684\u4fe1\u8cb8\u4e03\u5e74\u671f\u4e00\u500b\u67085,300\uff0c\u5b78\u8cb8\u4e94\u5e74\u5167\u7e73\u5b8c\u4e0d\u8a08)\uff0c\u76f8\u7576\u65bc\u4e00\u500b\u6708\u7e3d\u5171\u8981\u652f\u51fa\u8981\u7d0437,300\u5343\u5143\u3002
\n\u4ee5\u4e0a\u5c31\u662f\u4f60\u7684\u6bcf\u6708\u56fa\u5b9a\u652f\u51fa\u3002<\/p>\n

\u7b2c\u4e09\u6b65\uff0c\u8a08\u7b97\u516c\u5f0f<\/strong><\/h3>\n

\u76ee\u6a19\u91d1\u6d41 \uff1d\u76ee\u6a19\u6210\u672c+[\u6bcf\u6708\u56fa\u5b9a\u652f\u51fa1.06^(\u9810\u4f30\u5e74\u7d00-\u73fe\u5728\u5e74\u7d00-1)]+\u6bcf\u6708\u8ca1\u52d9\u81ea\u7531\u91d1 =17,000+[37,300<\/strong>(1.06)^4]+50,000*10%=\u201d69,090\u5143<\/strong>\u201d
\n*1.06\u662f\u6307(1+\u6d88\u8cbb\u8005\u6307\u6578\u589e\u52a0\u767e\u5206\u6bd4(6%))=\u4ee3\u8868\u6bcf\u5e74\u7269\u50f9\u6210\u9577\u7684\u6bd4\u4f8b\uff0c\u7531\u65bc\u7c97\u4f30\u5efa\u8b70\u62936%\u5c31\u597d *\u6bcf\u6708\u8ca1\u52d9\u81ea\u7531\u91d1=\u6708\u6536\u516510% (\u82e5\u4f60\u662f\u4e0d\u6295\u8cc7\u7684\u4eba\u5efa\u8b70\u6293\u9ad8\uff0c\u57fa\u672c\u4e0a10%~25%)
\n\u76ee\u6a19\u8cc7\u7522 =\u76ee\u6a19\u6210\u672c+(\u6bcf\u6708\u56fa\u5b9a\u6536\u5165-\u6bcf\u6708\u56fa\u5b9a\u652f\u51fa-\u6bcf\u6708\u8ca1\u52d9\u81ea\u7531\u91d1)*(\u9810\u4f30\u5e74\u7d00-\u73fe\u5728\u5e74\u7d00)*12-\u73fe\u5728\u8cc7\u7522
\n=150\u842c+(50,000-37,300-5,000)*12-(-7\u842c1400)=\u201d203\u842c3400\u5143\u201d
\n*\u73fe\u5728\u8cc7\u7522=\u7576\u4e0b\u5b58\u6b3e-\u76ee\u6a19\u5e74\u8ca0\u50b5 : 20\u842c-10\u842c-17\u842c1400=\u201d-7\u842c1400\u5143\u201d
\n*\u76ee\u6a19\u5e74\u8ca0\u50b5=\u5269\u9918\u8cb8\u6b3e\u91d1\u984d+\u5269\u9918\u5229\u606f : \u4f8b\u5982\u4fe1\u8cb8\u52a0\u5229\u606f\u517142\u842c\uff0c\u7e73\u5b8c\u4e94\u5e74\u5f8c\u5269\u7d0417\u842c1400\u5143(\u53ef\u4e0a\u5404\u5927\u9280\u884c\u7db2\u7ad9\u9032\u884c\u8cb8\u6b3e\u8a66\u7b97)
\n*\u76ee\u6a19\u5e74\u5167\u53ef\u9084\u5b8c\u4e4b\u8ca0\u50b5\uff0c\u8acb\u76f4\u63a5\u8207\u7576\u4e0b\u5b58\u6b3e\u6263\u9664 : \u4f8b\u5982\u5b78\u8cb810\u842c\uff0c\u76f4\u63a5\u8207\u5b58\u6b3e20\u842c\u76f8\u6e1b<\/p>\n

\u8aaa\u5230\u9019\u88e1\u4f60\u6703\u767c\u73fe\uff0c\u9019\u500b\u91d1\u984d\u5176\u5be6\u4e0d\u5bb9\u6613\u9054\u6210\uff0c\u4e0d\u8ad6\u662f\u91d1\u6d41\u8207\u8cc7\u7522\uff0c\u4e14\u73fe\u5728\u624d\u5b58\u6c92\u591a\u5c11\u9322\uff0c5\u5e74\u5f8c\u5c31\u8981\u5b582\u767e\u591a\u842c\uff0c\u76f8\u7576\u65bc\u4e00\u5e74\u8981\u5b5840\u591a\u842c\uff0c\u7b49\u65bc\u4e00\u5e74\u958b\u92b7\u8981\u9650\u5236\u572820\u842c\u4ee5\u5167\u3002 \u9019\u500b\u4f30\u6cd5\u4e0d\u662f\u8981\u4f60\u653e\u68c4\u4eba\u751f\uff0c\u800c\u662f\u8981\u4f60\u91d0\u6e05\u81ea\u5df1\u7684\u8ca1\u52d9\u80fd\u529b\u4e26\u4e14\u8abf\u6574\u52d9\u5be6\u76ee\u6a19\u3002 \u800c\u8abf\u6574\u7684\u65b9\u5411\u4e0d\u5916\u4e4e\u4e09\u500b\u65b9\u5411 :
\n\u7b2c\u4e00\uff0c\u964d\u4f4e\u652f\u51fa
\n\u7b2c\u4e8c\uff0c\u589e\u52a0\u6536\u5165
\n\u7b2c\u4e09\uff0c\u964d\u4f4e\u76ee\u6a19
\n\u9019\u662f\u6709\u9806\u5e8f\u7684\uff0c\u4e0d\u662f\u89ba\u5f97\u81ea\u5df1\u8a02\u7684\u76ee\u6a19\u9059\u4e0d\u53ef\u53ca\u5c31\u7acb\u99ac\u964d\u4f4e\uff0c\u90a3\u9019\u884c\u70ba\u5c31\u6c92\u610f\u7fa9\u4e86\u3002
\n\u6240\u4ee5\u7b2c\u4e00\u5c31\u662f\u627e\u51fa\u8ca1\u52d9\u7834\u53e3\uff0c\u4f60\u7684\u82b1\u8cbb\u54ea\u88e1\u6700\u9ad8\uff0c\u9010\u4e00\u5be9\u8996\uff0c\u5c0b\u627e\u80fd\u5426\u6709\u964d\u4f4e\u7684\u65b9\u6cd5\u3002
\n\u4f8b\u5982\u5c0f\u738b\u5149\u751f\u6d3b\u652f\u51fa\u5c31\u9ad8\u9054\u4e00\u500b\u67082\u842c9\u5343\uff0c\u5176\u4e2d\u5305\u542b\u623f\u79df8,000\u3001\u5403\u98ef10,000\u3001\u5a1b\u6a025,000\u3001\u6c7d\u8eca\u6cb9\u93223,000\u3001\u990a\u8eca2,000\u3001\u96fb\u8a71\u8cbb1,000\uff0c\u5a1b\u6a02\u8cbb\u7528\u53ef\u5426\u964d\u4f4e\u3001\u623f\u79df\u63db\u4fbf\u5b9c\u7684\u5730\u65b9\uff0c\u6216\u662f\u5e74\u8f15\u4eba\u6700\u5927\u7684\u8aa4\u5340\u6709\u6c92\u6709\u5fc5\u8981\u7528\u8eca! \u518d\u4f86\u662f\u589e\u52a0\u6536\u5165\uff0c\u6b63\u5e38\u54e1\u5de5\u6bcf\u5e74\u90fd\u6703\u52a0\u85aa\uff0c\u53ef\u4ee5\u659f\u914c\u8a08\u5165\uff0c\u90a3\u9664\u6b64\u4e4b\u5916\uff0c\u6709\u80fd\u529b\u7576\u7136\u5c31\u62d3\u5c55\u5176\u4ed6\u6536\u5165\u4f86\u6e90\u3002 \u5982\u679c\u82b1\u8cbb\u4e5f\u7701\u4e86\uff0c\u4e5f\u70ba\u4e86\u589e\u52a0\u6536\u5165\u52a0\u73ed\u4e86\uff0c\u9084\u662f\u96e2\u76ee\u6a19\u592a\u9060\u5462? \u90a3\u624d\u5fc5\u9808\u964d\u4f4e\u76ee\u6a19\uff0c\u53ef\u4ee5\u9078\u64c7\u5ef6\u9577\u4ee5\u53ca\u964d\u4f4e\u6a19\u7684\u91d1\u984d\u3002 \u4ee5\u5c0f\u738b\u4f86\u8aaa\uff0c\u82e5\u8f9b\u82e6\u4e00\u9ede\u642c\u5230\u623f\u79df5000\u7684\u5730\u65b9\uff0c\u5a1b\u6a02\u964d\u52304000\uff0c\u4e0d\u8cb7\u8eca\u7701\u4e0b42\u842c\uff0c\u7b49\u65bc\u76ee\u6a19\u4e00\u5e74\u8981\u5b5840\u591a\u842c\u964d\u5230\u4e8628\u842c\uff0c\u807d\u8d77\u4f86\u6709\u5c55\u671b\u5f88\u591a\u5462\u3002<\/p>\n

\u7576\u7136\u6bcf\u5e74\u7684\u8b8a\u5316\u662f\u5f88\u5927\u7684\uff0c\u9019\u4efd\u8a08\u7b97\u6bcf\u5e74\u90fd\u53ef\u4ee5\u91cd\u65b0\u4fee\u6539\u6578\u5b57\uff0c\u4f46\u4e0d\u662f\u4fee\u6539\u76ee\u6a19\u5594\u3002 \u800c\u6240\u6709\u7684\u4e8b\u60c5\u90fd\u53ef\u4ee5\u7528\u9019\u6982\u5ff5\u4f86\u8655\u7406\u5594\uff0c\u5c31\u7b97\u4e0d\u8cb7\u623f\uff0c\u4eba\u751f\u9084\u6709\u5f88\u591a\u7684\u4e8b\u60c5\u662f\u53ef\u4ee5\u505a\u76ee\u6a19\u7684\u3002 \u6240\u4ee5\u5404\u4f4d\u5e74\u8f15\u4eba\u61c9\u8a72\u90fd\u8981\u6709\u9019\u6a23\u7684\u7fd2\u6163\uff0c\u4e0d\u8981\u8b93\u81ea\u5df1\u7684\u76ee\u6a19\u865b\u7121\u5316\uff0c\u8b93\u4ed6\u8b8a\u5be6\u969b\uff0c\u4eba\u751f\u53ef\u4ee5\u66f4\u8e0f\u5be6\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

How much savings should one have at different life stages? What is a sufficient amount of money? How much should one save by age 30? At what age should one own a car and a house? Of course, there are no standard answers to these questions. Everyone's living conditions and aspirations vary, so there's no one-size-fits-all figure.
\nWhile it's true that personal factors significantly influence financial goals, a formulaic approach can still be applied. Let's consider an example:
\n\u5047\u8a2d\u5c0f\u738b\u73fe\u572825\u6b72\uff0c\u5e74\u85aa60\u842c\u3001\u5b58\u6b3e20\u842c\u3001\u525b\u9760\u4fe1\u8cb840\u842c\u8cb7\u8eca\uff0c\u8cb8\u6b3e7\u5e74\u7e3d\u5229\u606f2\u842c\u3001\u6709\u8eca\u6c92\u623f\uff0c\u4e14\u9084\u670910\u842c\u5b78\u8cb8\u542b\u5229\u606f\u8981\u9084\uff0c\u6211\u5011\u4f86\u4f30\u770b\u770b30\u6b72\u6642\u5c0f\u738b\u9700\u8981\u591a\u5c11\u9322?\u8981\u600e\u9ebc\u7406\u8ca1\u624d\u597d?<\/p>","protected":false},"author":2,"featured_media":1574,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[52],"tags":[62,61],"class_list":["post-987","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-success-principles","tag-life-planning","tag-financial-management"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.taichungbro.com\/en\/wp-json\/wp\/v2\/posts\/987","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.taichungbro.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.taichungbro.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.taichungbro.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.taichungbro.com\/en\/wp-json\/wp\/v2\/comments?post=987"}],"version-history":[{"count":0,"href":"https:\/\/www.taichungbro.com\/en\/wp-json\/wp\/v2\/posts\/987\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.taichungbro.com\/en\/wp-json\/wp\/v2\/media\/1574"}],"wp:attachment":[{"href":"https:\/\/www.taichungbro.com\/en\/wp-json\/wp\/v2\/media?parent=987"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.taichungbro.com\/en\/wp-json\/wp\/v2\/categories?post=987"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.taichungbro.com\/en\/wp-json\/wp\/v2\/tags?post=987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}