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[I&A] 【整理】2009-03-28:'美国人重新学储蓄'

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Alina Focuson saved up for a rainy day. It is been several stormy months. She has been out of work looking for a job since May. Fortunately, she has 2 months work expenses save. If you make 40000 dollars a year. Financial experts say you should have 3-6 months of paycheck saved, after tax,that is between 7000 to 14000 dollars. " Yep, the way you should think about is 6 months of your total income. " Money manager , ……, gives us his 2 senses about the best way to start saving. "Spend less than it is coming the door. And I will give them the discretional savings they can put into their IRA, their individual retirement account. And the way you are effective getting free money from the government in the form of tax deduction. Last year, the average American said 1 penny for every hundred dollars there. This year they are saving even more. 5 dollar for every hundred. The financial advisors said that still not enough. They recommend that you do not stop investing in your 401K, consider opening a home equity line of credit, have money directly deposited from your paycheck into a saving account each month, renegotiate your premiums for home\ life\auto and heath insurance. And watch your fiscal diet. "I mean eating now less, buy more private labor goods. I mean even pulling up the scissors and clipping coupons. " Or you can be like Alina Focuson . "You have to take cuts of your entertainment budget. " Prudent with your pennies and her comma sense. Licy Davers . ABCnews.
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