《知識鍛鍊 6》不認識錢，別說你愛錢：新一年學會家庭理財與理財英文

　
俗話說的好，你不理財，財不理你，這話說的一點沒錯。30 歲以前很多人都是月光族，（live from paycheck to paycheck）人生就是活在當下，美食、電影、朋友、旅遊…財富就在一切不經意地談笑中溜走。

紅男綠女遇到了人生的 Mr. and Miss Right 開始思考 settle down 的時候，就會赫然發現糧草不足，懊悔過去沒有審慎規劃理財計劃。

Eric 是33歲的中階主管，研究所畢業以後他工作了 5 年，發現自己完全沒存到錢，所以他跟到一個從事金融專業的朋友 Morgan 諮詢接下來的理財計劃。

Morgan: What’s up? It’s been a long time…

Morgan: 最近好嗎？好久不見了

Eric: Can you give me any advice for building up my saving? I wouldn’t say I like to live from paycheck to paycheck anymore, and I am considering marrying my girlfriend in 2 years.

Eric: 你可以給我一些理財方面的建議嗎？我不想再做個月光族了。我兩年後想跟我女友結婚。

Step 1：了解資產狀況（Financial status）

　
相關字彙：負債 debts, 保險 insurance, 投資項目 investment projects

Morgan: Hmm… that’s a good intention. Can you tell me your financial status? Do you have any debts, insurance, or investment projects?

Morgan: 恩…這是很好的開始，可以跟我說說你目前的資產狀況嗎？有沒有負債、保險或投資項目？

Eric: I am sort of not saving right now; the bank has a fixed cash flow of less than 100,000, the source is probably my salary. I have a car loan and saving insurance, I must pay 50000 a month, and I need to pay it for 10 years, so I really have no idea for saving money.

Eric: 我目前算是沒有存款吧，銀行固定有大概 10 萬以內的現金流，來源大概就是薪資所得。有車貸跟儲蓄險，每個月大概要繳 5 萬塊，還要繳個 10 年，所以我真的不知道怎麼存錢。

Step 2：檢視每月支出（Expenses）

　
相關字彙：固定支出 fixed amount of living expense、變動支出 variable expenses

Morgan: I suggest you can review your lifestyle and spending habits. Then, in addition to a fixed amount of living expenses, limiting the variable entertainment expenses is needed, plus planned small investment, wealth can be accumulated in time.

Morgan: 我想你可以要從你的生活型態與消費習慣開始檢視起，除了固定支出的金額之外，還要限制變動支出的金額。也就是要特別管理娛樂資金，加上有計劃的小額投資，無形之中就可以累積財富。

Step 3：選擇投資產品（Investment commodity）

　
相關字彙：基金 investment fund、定存 fixed deposit，、指數型基金 Index fund、定期定額 dollar cost averaging、股票型 ETF

Eric: Small Investment? Such as investment fund? Is it high risk?

Eric: 小額投資？像是什麼投資項目？你是指基金嗎？風險高嗎？

Morgan: Our parents used to choose fixed deposit for saving, however the interests has become unbelievable low, I’d rather recommend a good index fund, adopt dollar cost averaging strategy to control the risk. Or choose to invest stock ETFs that are also very popular recently.

Morgan:過去我們的父母儲蓄都會選擇定存，但是現在定存的利息實在太低了，我會更推薦指數型基金，選擇好的標的，並採用定期定額策略來分散風險，或是選擇投資最近也很流行的股票型 ETF。

Step 4：擬訂長期投資計畫（Investment Plan)

　
相關字彙：固定存款 fixed saving、獎金 bonus

Eric: So, how much do I have to save every month?

Eric:那我每個月要安排多少錢儲蓄投資？

Morgan: I think you can divide your funds into two packages. One is general fixed monthly savings, 5000-15000 dollars that you can plan according to your ability. Still, you have to force yourself to save every month, buy funds or ETFs to save. The other package is a large bonus, part of which is to reward yourself, and the other part is to invest a lot of money in investment projects. According to this plan, I believe you can a diamond ring for your girl planning a decent propose in 2 years.

Morgan: 我覺得你可以把資金分成兩包，一包是日常儲蓄，就是每個月的固定儲蓄，5000-15000 你可以依能力自己計劃，但每個月要強迫自己儲蓄，買基金或是 ETF 存起來。另一包是大額獎金，一部分犒賞自己，另一部分就要大筆的投入投資項目。依照這個計畫，我相信兩年後你一定可以買顆鑽戒跟你女朋友求婚。

Eric: That sounds greats! Come on, Let’ s have a drink!

Eric: 聽起來不錯，我們去喝一杯吧！

Morgan: See, you are spending casual money again. Let’s have soybean milk is fine.

Morgan:看吧，又想著花錢，去喝豆漿就好。

零用錢Ｘ複利Ｘ時間　小錢滾出養老金

　
相關詞彙：複利 compound interest、股市 stock market、未雨綢繆 save for a rainy day