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This 34-year-old is on the fast track to reach a $1 million net worth: '7 moneyhabits to adopt before you turn 40’ Mandi Woodruff-Santos, Contributor@MANDIWOODRUFF, Published Wed, Sep 22 202112:36 PM EDTUpdated Wed, Sep 22 20211:03 PM EDT 作者：曼迪伍德拉夫桑托斯，9月22日星期三下午11:03 Mandi Woodruff-Santos Credit: Shane Samuels Photography 图片：曼迪伍德拉夫桑托斯 In my early 20s and 30s, I took big swings in my career and developed smart money strategies that helped maximizedmy income. 在我20出头和30出头时，我都经历了职业生涯的巨大变化，我给自己制定了明智的理财策略，帮助我实现收入最大化。 At 34, I have a net worth of more than $700,000 (mostly from my earnings, retirement accounts, home equity, savings and investing accounts). I am currently on track to have a net worth of $1 million by my 40th birthday. 我今年34岁，净资产超过70万美元（主要来自我的收入、退休账户、房屋净值、储蓄和投资账户）。目前我有望在40岁生日前拥有100万美元的净资产。 Changing my financial routine was key to getting to where I am today — and it can help you, too. Here are seven moneyhabits to adopt before you turn 40: 改变我的理财习惯是我能取得今天成就的关键——这也能帮助你。以下是七种理财习惯在你40岁之前能改变的： 1. Save and invest at the same time 1. 同时储蓄和投资 As a recession-era graduate, I was nervous about investing my money, for fear of losing it to another market crash. 作为一名经济衰退时期的大学毕业生，我对投资感到紧张，因为害怕自己在再一场市场崩溃中失去资金。 But I realized that even though keeping all my money in a savings account felt “safer,” it would stifle my chances of growing wealth faster. 但我意识到，即使把我所有的钱都存入储蓄账户感觉“更安全”，这也会扼杀我更快地致富的机会。 So I came up with a plan that would allow me to save, invest and still sleep soundly: I set up automatic transfers for each pay period — 10% of my paycheck towards my employer-sponsored 401(k), and another 10% into a high-yield savings account. 因此，我想出了一个计划，让我能够储蓄、投资，并且还能睡个好觉：我为每个发薪期设置了自动转账——将我工资的10%转到我的雇主赞助的401（k）账户，再将10%存入一个高收益储蓄账户。 2. Don’t be afraid to quit your job for a higher-paying one 2.不要害怕放弃现有工作去寻找一份薪水更高的工作 Once I got into the habit of investing and saving 20% of my take-home pay, I focused on increasing mysalary so that I could invest and save even more. 一旦我养成了将实得工资和储蓄20%拿来投资的习惯，我就专注于增加收入，这样我就可以投资和储蓄更多。 That meant pursuing promotions, asking for a raise, or leaving a job altogether for one that paid more or offered more opportunities for career advancement. Nearly every time I quit a job for a new one, I was able to increase my salary by at least 30%. (Of course, this isn’t the right move for everyone; always make sure you take into account your situation and career goals.) 这意味着追求晋升，要求加薪，或者干脆放弃现有工作换一份薪水更高或提供更多职业发展机会的工作。几乎每次我辞职换新工作时，我都能把工资至少提高30%。（当然，这并不是对每个人来说都是正确的选择；始终确保考虑到自己的实际情况和职业目标。） At 24, I was earning $45,000 a year, soa 10% investing rate meant putting about $4,500 into my 401(k). But five yearsand a few job changes later, my income was well over $150,000, and I was ableto max out my 401(k) for the first time. 24岁时，我的年收入为45000美元，10%的投资率意味着在我的401（k）计划中投入4500美元。但五年后，我换了几份工作，我的收入远远超过15万美元，我第一次能够最大限度地使用401（k）。 Budgeting and cutting back on expensesalone wouldn’t have helped me reach that milestone. 勤俭预算和削减开支并不能帮助我达到那个里程碑。 3. Avoid lifestyle inflation 3.避免生活方式膨胀 When you’re young, every pay raise feelslike an excuse to get a bigger apartment with more amenities or take morevacations. 当你年轻的时候，每次加薪都会让你觉得是一个借口，可以去弄一套更大、设施更完善的公寓，或者享受更多的假期。 But I was intentional about keeping my living expenses low. I set a rule to not spend more than 30% of my monthly payon rent, which meant still having roommates even though I could afford livingalone. 但我反而有意保持我的生活开销在较低水准。我给自己制定了一条规定，每月租金支出不得超过30%，这意味着即使我能独自居住，也要有室友分担房租。 And when we needed to save money for ourwedding, my then-fiancé and I moved into his parent’s house for six months. Itwasn’t easy, but we were able to save $11,000 for our big day. 当我们需要为我们的婚礼存钱时，我和当时的未婚夫搬进了他父母家住了六个月。这并不容易，但我们为我们的大喜日子节省下来11000美元。 4. Don’t create a rigid budget that you can’t live up to 4.不要制定一个自己无法达到的严格僵化的预算 My first budgeting plan was very aggressive; I wanted to save as much money as possible. But I constantly endedup disappointing myself by spending on things like dining out and holiday gifts. 我的第一个预算计划非常积极；我想存尽可能多的钱。但我总是因为在外出就餐和度假礼物上花钱而自己感到失望。 I ultimately realized that having a rigid budget plan wasn’t doing me any good, and that I was feeling guilty for purchases that I didn’t consider irresponsible at all. 我最终意识到，制定一个严格的预算计划对自己没什么好处，而且我对那些我不认为不负责任的购物感到内疚。 So I instead focused on automating all my bill payments, including any investment and savings contributions. That way, every dollar that went into my bank account on payday was a dollar I knew Icould afford to spend. 因此，我转而专注于自动支付所有账单，包括自动化任何投资和储蓄。这样一来，对于发薪日进入我银行账户的每一美元，我都知道是自己能花得起的一美元。 5. Build professional relationships early on in your career 5.在职业早期建立各种职业关系 As an introvert, I dread going to bigconferences and networking events. I am much better at nurturing relationshipsone-on-one, which I believe is just as effective as trying to socialize with aton of strangers at once. 作为一个内向的人，我很害怕参加大型会议和社交活动。我更擅长一对一地培养人际关系，我相信这和尝试立刻与一大群陌生人交往一样有效。 I still keep in touch with friends, as well as current and former colleagues. I follow their work online and share it on social media often. I’ll sometimes send an email or text just to check in and send good energy their way. 我仍然与朋友、现在的和以前的同事保持联系。我在网上关注他们的工作，并经常在社交媒体上分享。我有时会发电子邮件或短信，只是为了关心一下，并以他们的方式发送好的能量。 When I see a job posting that I thinksomeone might enjoy, I’ll forward it to them. They do the same in return, whichputs me in a great position to learn about new job opportunities. It’s also agood way to stay on top of salary trends in my industry and ensure that I’mgetting paid a fair market rate. 当我看到一个我认为有人可能喜欢的招聘启事时，我会把它转发给他们。作为回报，他们也这样做，这使我处于一个很好的位置去了解新的工作机会。这也是一个很好的方法，可以保持我所在行业薪资趋势的领先地位，并确保我获得公平的市场薪酬。 6. Keep tabs on your credit report every month 6.密切关注你每月的信用报告 A $12,000 brushwith credit fraud in my early 20s sparked an obsession withchecking my credit report for any fraudulent activity. 在我20出头的时候，一次12000美元的信用欺诈引发了我开始执迷于检查我的信用报告是否有欺诈行为。 I use tools like Discover Scorecard orCredit Karma to receive potential fraud alerts. I look out for suspicious activities like accounts I don’t recall opening, spelling errors in my name andrepeated declined transactions. 我使用诸如Discover Scorecard或Credit Karma之类的工具来接收潜在的欺诈警报。我会留意可疑行为，比如我不记得自己开户过的账户、我名字中的拼写错误以及重复的被拒绝交易。 If I find evidence of fraud, I report itimmediately to the three credit bureaus and file disputes. With the riseof credit card fraud during thepandemic, it’s never been more important to make this part of your financialroutine. 如果我发现欺诈的证据，我会立即向三家信贷局报告，并提出争议。随着欧洲金融危机期间信用卡诈骗案的增多，将这一部分纳入你的财务日常工作变得前所未有的重要。 7. Hire a financial advisor if you need help tackling big challenges 7.如果你需要帮助应对重大挑战，请聘请财务顾问 Not everyone needs a financial advisorto start building wealth. I knew how to invest, save and manage my expenses. 不是每个人都需要财务顾问来开始积累财富。我自己就知道如何投资、节约和管理我的开支。 But what I didn’t know was how to alignmy financial goals with my husband’s, especially early on in our relationship.We had similar money habits, but very different opinions about how to spend ourhard-earned money. 但我不知道的是如何使我的经济目标与我丈夫的一致，尤其是在我们建立感情关系的早期。我们有着相似的理财习惯，但对于如何花我们辛苦赚来的钱却有着截然不同的看法。 For example, he would have beenperfectly happy foregoing our honeymoon in Italy for a brand new Tesla, and while I wanted to keep renting indefinitely, he wanted to buy a home. 比如说，他会非常乐于我们有一辆全新的特斯拉在意大利度蜜月，或者我只想无限期地租车，他却想买房。 Hiring a financial advisor helped us work through those conversations and keep our collective goals in mind. (And yes, we did end up buying a Tesla!) 聘请财务顾问有助于我们解决掉这些对话中的问题，并牢记我们的集体目标。（哦对了，我们最终买了一辆特斯拉！）
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