{"id":6049,"date":"2021-08-08T23:14:14","date_gmt":"2021-08-08T15:14:14","guid":{"rendered":"https:\/\/yalechen.com\/?p=6049"},"modified":"2021-08-30T09:44:03","modified_gmt":"2021-08-30T01:44:03","slug":"break-out-of-debt-first","status":"publish","type":"post","link":"https:\/\/yalechen.com\/break-out-of-debt-first\/","title":{"rendered":"\u8df3\u812b\u8ca1\u52d9\u5371\u6a5f\uff0c\u60f3\u63d0\u65e9\u9000\u4f11\u5148\u5f9e\u9084\u50b5\u958b\u59cb\uff01"},"content":{"rendered":"\n<p>\u7169\u963f ! &nbsp; \u6211\u771f\u7684\u5f88\u4e0d\u60f3\u4e0a\u73ed\u4e86\uff1b\u81a9\u963f ! &nbsp; \u6211\u7684\u4eba\u751f\u8b8a\u6210\u597d\u7121\u8da3\u3002<\/p>\n\n\n\n<p><strong>\u4f46\u6c92\u9322\u5c31\u9084\u4e0d\u4e86\u8cb8\u6b3e\uff0c\u4f60\u8aaa\u8a72\u600e\u9ebc\u8fa6\uff1f<\/strong><\/p>\n\n\n\n<p>\u6709\u500b\u8fa6\u6cd5\u80fd\u5e6b\u52a9\u4f60\u63d0\u65e9\u9000\u4f11\uff0c\u4f60\u771f\u7684\u53ef\u4ee5\u4e0d\u7528\u4e0a\u73ed\uff0c\u771f\u7684\u53ef\u4ee5\u53ea\u505a\u559c\u6b61\u7684\u4e8b\u60c5\uff0c\u4e0d\u518d\u53ea\u662f\u505a\u5922\u800c\u5df2\uff0c\u4f60\u53ea\u9700\u9760\u8457<strong>\u5275\u9020\u88ab\u52d5\u6536\u5165<\/strong>\uff0c\u5c31\u80fd\u5920\u6bd4\u5225\u4eba\u63d0\u65e910-30\u5e74\u5954\u5411\u4eba\u751f\u81ea\u7531\uff0c\u5e6b\u52a9\u4f60\u9054\u5230\u8ca1\u52d9\u81ea\u7531\uff0c\u5be6\u73fe\u4f60\u63d0\u65e9\u9000\u4f11\u7684\u9858\u671b\u3002<\/p>\n\n\n\n<p>\u5c31\u7b97\u4f60\u76ee\u524d\u662f\u6b63\u63f9\u8457\u300e\u50b5\u52d9\u300f\u4e5f\u5225\u592a\u64d4\u5fc3\uff0c\u53ea\u8981\u7528\u6b63\u78ba\u7684\u89c0\u5ff5\u9762\u5c0d\u50b5\u52d9\uff0c\u5f88\u5feb\u5c31\u80fd\u5920\u8b93\u4f60\u8df3\u812b\u76ee\u524d\u7684\u8ca1\u52d9\u5371\u6a5f\uff0c\u8ffd\u6c42\u66f4\u81ea\u7531\u7684\u4eba\u751f\uff0c\u63a5\u4e0b\u4f86\u5c31\u8b93\u6211\u5011\u4f86\u770b\u770b\u8a72\u600e\u9ebc\u9084\u50b5\u5427\uff01<\/p>\n\n\n\n<div 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title=\"\u8ca0\u50b5\u8ff7\u601d\uff08\u8d8a\u6709\u9322\u8ca0\u50b5\u8d8a\u591a\uff1f\uff09\">\u8ca0\u50b5\u8ff7\u601d\uff08\u8d8a\u6709\u9322\u8ca0\u50b5\u8d8a\u591a\uff1f\uff09<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/yalechen.com\/break-out-of-debt-first\/#%E6%93%BA%E8%84%AB%E5%82%B5%E5%8B%99%E7%9A%84%E6%96%B9%E6%B3%95%E6%9C%89%E5%93%AA%E4%BA%9B%EF%BC%9F\" title=\"\u64fa\u812b\u50b5\u52d9\u7684\u65b9\u6cd5\u6709\u54ea\u4e9b\uff1f\">\u64fa\u812b\u50b5\u52d9\u7684\u65b9\u6cd5\u6709\u54ea\u4e9b\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/yalechen.com\/break-out-of-debt-first\/#%E8%B2%A0%E5%82%B5%E8%B7%9F%E6%8F%90%E6%97%A9%E9%80%80%E4%BC%91%E7%9A%84%E9%97%9C%E4%BF%82%EF%BC%9F\" title=\"\u8ca0\u50b5\u8ddf\u63d0\u65e9\u9000\u4f11\u7684\u95dc\u4fc2\uff1f\">\u8ca0\u50b5\u8ddf\u63d0\u65e9\u9000\u4f11\u7684\u95dc\u4fc2\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/yalechen.com\/break-out-of-debt-first\/#%E7%B5%90%E8%AA%9E\" title=\"\u7d50\u8a9e\">\u7d50\u8a9e<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E3%80%8E%E5%82%B5%E3%80%8F%E6%98%AF%E5%BE%9E%E5%93%AA%E8%A3%A1%E4%BE%86%EF%BC%9F\"><\/span>\u300e\u50b5\u300f\u662f\u5f9e\u54ea\u88e1\u4f86\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5f9e\u5c0f\u88ab\u6559\u80b2\u8457\u300e\u6709\u591a\u5c11\u9322\u3001\u505a\u591a\u5c11\u4e8b\u7684\u89c0\u5ff5\u300f\uff0c\u9019\u807d\u8d77\u4f86\u662f\u53ea\u8981\u6b63\u5e38\u5de5\u4f5c\u3001\u4e0d\u5d07\u5c1a\u6d41\u884c\u540d\u724c\uff0c\u4e5f\u5225\u67d3\u4e0a\u5403\u559d\u5ad6\u8ced\u7684\u58de\u7fd2\u6163\uff0c\u4f3c\u4e4e\u90fd\u662f\u8f15\u6613\u80fd\u5920\u9054\u6210\uff0c\u90a3\u9ebc\u9019\u9ebc\u7c21\u55ae\u7684\u9053\u7406\uff0c\u70ba\u4ec0\u9ebc\u8a31\u591a\u4eba\u9084\u662f\u80cc\u8ca0\u8457\u50b5\u52d9\u5462\uff1f<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u50b5\u52d9\u7684\u7522\u751f<\/h3>\n\n\n\n<p>\u96a8\u8457\u5e74\u9f61\u7684\u589e\u9577\uff0c\u958b\u59cb\u767c\u73fe\u5230\uff0c\u9019\u500b\u4e16\u754c\u4e0a\u6709\u592a\u591a\u7684\u8a98\u60d1\uff0c\u5149\u662f\u8981\u7ba1\u4f4f\u81ea\u5df1\u90a3\u8caa\u5403\u7684\u5634\u5df4\u3001\u63a7\u5236\u5403\u7684\u617e\u671b\u5c31\u5f88\u56f0\u96e3\uff0c\u66f4\u5225\u8aaa\u9084\u60f3\u8cb7\u8eca\u3001\u8cb7\u623f\u6216\u662f\u60f3\u6295\u8cc7\u5404\u5f0f\u5404\u6a23\u770b\u8d77\u4f86\u53c8\u9999\u53c8\u751c\u7684\u9805\u76ee\uff0c\u7576\u8a8d\u77e5\u5230\u81ea\u5df1\u53e3\u888b\u5b58\u6b3e\u4e0d\u5920\u7684\u56f0\u5883\uff0c\u9019\u6642\uff0c\u4fbf\u8f49\u5411\u4ed6\u4eba\u4f86\u501f\u7528\u81ea\u5df1\u6240\u4e0d\u8db3\u7684\u91d1\u984d\uff0c\u800c\u9019\u501f\u4f86\u7684\u6211\u5011\u90fd\u7a31\u4e4b\u70ba\u300e\u50b5\u300f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u50b5\u52d9\u7684\u597d\u58de<\/h3>\n\n\n\n<p>\u901a\u5e38\u800c\u8a00\uff0c\u9019\u500b\u50b5\u5982\u679c\u9084\u6e05\u4e86\u4fbf\u53ef\u4ee5\u990a\u6210\u597d\u4fe1\u7528\uff0c\u4f46\u662f\u8a31\u591a\u4eba\u4e0d\u50c5\u9084\u6c92\u7d50\u6e05\u539f\u672c\u7684\u50b5\uff0c\u53cd\u800c\u518d\u501f\u8d77\u66f4\u591a\u7684\u50b5\uff0c\u958b\u555f\u4e86\u4ee5\u50b5\u990a\u50b5\u7684\u751f\u6d3b\uff0c\u800c\u904e\u591a\u7684\u50b5\u52d9\u90fd\u6703\u62d6\u57ae\u81ea\u5df1\u7684\u4eba\u751f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5%E7%A8%AE%E6%9C%83%E6%8B%96%E5%9E%AE%E4%BA%BA%E7%94%9F%E7%9A%84%E5%82%B5%E5%8B%99\"><\/span>5\u7a2e\u6703\u62d6\u57ae\u4eba\u751f\u7684\u50b5\u52d9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/pexels-mikhail-nilov-6963017-scaled.jpg\" alt=\"\u64fa\u812b\u8ca0\u50b5\uff0c5\u7a2e\u62d6\u57ae\u4f60\u7684\u50b5\u52d9\" class=\"wp-image-6058\" title=\"\" srcset=\"https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/pexels-mikhail-nilov-6963017-scaled.jpg 2560w, https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/pexels-mikhail-nilov-6963017-800x533.jpg 800w, https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/pexels-mikhail-nilov-6963017-768x512.jpg 768w, https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/pexels-mikhail-nilov-6963017-1536x1024.jpg 1536w, https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/pexels-mikhail-nilov-6963017-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n<p>\u6240\u6709\u50b5\u7684\u57fa\u672c\u89c0\u5ff5\uff1a<strong>\u9664\u4e86\u501f\u51fa\u7684\u672c\u91d1\uff0c\u90fd\u662f\u8981\u9084\u4e0a\u5229\u606f<\/strong>\uff01<\/p>\n\n\n\n<p>\u4eba\u751f\u7576\u4e2d\uff0c\u6216\u591a\u6216\u5c11\u90fd\u6703\u78b0\u5230\u50b5\u52d9\uff0c\u4f46\u53ef\u5225\u5fd8\u4e86\u9019\u4e9b\u50b5\uff0c\u90fd\u5fc5\u9808\u8981\u52a0\u4e0a\u5229\u606f\u7684\uff0c\u623f\u8cb8\u3001\u8eca\u8cb8\u3001\u5b78\u8cb8\u662f\u50b5\uff0c\u4fe1\u7528\u5361\u5206\u671f\u4e5f\u662f\u50b5\uff0c\u501f\u4f86\u7684\u5275\u696d\u91d1\u4e5f\u7b97\u662f\u50b5\uff0c\u9019\u4e9b\u984d\u5916\u7522\u751f\u7684\u5229\u606f\u90fd\u662f\u5f9e\u4f60\u53e3\u888b\uff0c\u62ff\u51fa\u53bb\u9001\u7d66\u5225\u4eba\uff0c\u5c31\u50cf\u662f\u4f60\u6b63\u5728\u5e6b\u4ed6\u5011\u8cfa\u9322\uff0c\u4e00\u500b\u4e0d\u6ce8\u610f\uff0c\u9322\u5305\u53ef\u662f\u6703\u88ab\u5229\u606f\u5543\u98df\u6b86\u76e1\u7684\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u751f\u6d3b\u7d93\u5e38\u51fa\u73fe\u7684\u50b5\u52d9\u7a2e\u985e<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\u50b5\u52d9\u7e3d\u985e<\/th><th>\u975e\u6cd5\u9ad8\u5229\u8cb8<\/th><th>\u53ef\u501f\u6b3e\u4eba<\/th><th>\u8cb8\u6b3e\u98a8\u96aa<\/th><th>\u653e\u6b3e\u55ae\u4f4d<\/th><\/tr><\/thead><tbody><tr><td>\u623f\u8cb8<\/td><td>2%<\/td><td>\u4fe1\u7528\u6b63\u5e38 \u81ea\u7136\u4eba<\/td><td>\u88ab\u6cd5\u62cd<\/td><td>\u9280\u884c<\/td><\/tr><tr><td>\u8eca\u8cb8<\/td><td>8%<\/td><td>\u4fe1\u7528\u6b63\u5e38 \u81ea\u7136\u4eba<\/td><td>\u88ab\u6cd5\u62cd<\/td><td>\u8eca\u8cb8\u516c\u53f8<\/td><\/tr><tr><td>\u4fe1\u7528\u8cb8\u6b3e<\/td><td>3.5-14.5%<\/td><td>\u4fe1\u7528\u6b63\u5e38 \u81ea\u7136\u4eba<\/td><td>\u500b\u4eba\u4fe1\u7528\u7834\u7522<\/td><td>\u9280\u884c<\/td><\/tr><tr><td>\u4fe1\u7528\u5361\u50b5<\/td><td>\u5faa\u74b0\u5229\u606f13-15%<\/td><td>\u4fe1\u7528\u6b63\u5e38 \u81ea\u7136\u4eba<\/td><td>\u500b\u4eba\u4fe1\u7528\u7834\u7522<\/td><td>\u9280\u884c<\/td><\/tr><tr><td>\u975e\u6cd5\u9ad8\u5229\u8cb8<\/td><td>16%\u4ee5\u4e0a<\/td><td>\u6240\u6709\u4eba<\/td><td>\u906d\u53d7\u66b4\u529b\u8a0e\u6b3e\u8207\u4e0d\u5408\u7406\u7684\u96b1\u85cf\u689d\u6b3e<\/td><td>\u975e\u6cd5\u696d\u8005<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<pre class=\"wp-block-preformatted\">\u3010\u88dc\u5145\u3011\n\u5229\u606f\u7522\u751f\u7684\u591a\u5be1\u901a\u5e38\u90fd\u8207\u4f60\u81ea\u8eab\u7684\u4fe1\u7528\u7a0b\u5ea6\u8207\u501f\u8cb8\u7684\u5c0d\u8c61\u6709\u95dc\uff0c\u4e00\u822c\u4f86\u8aaa\u4fe1\u7528\u8d8a\u597d\u7684\u4eba\u5229\u606f\u8d8a\u4f4e\u53ef\u4ee5\u8cb8\u5230\u7684\u6b3e\u9805\u4e5f\u8d8a\u591a\u3002<\/pre>\n\n\n\n<p>\u226b <a href=\"https:\/\/yalechen.com\/credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u91cd\u8981\uff01\u500b\u4eba\u4fe1\u7528\u5206\u6578\u5982\u4f55\u7d2f\u7a4d\uff1f\u4fe1\u7528\u5206\u6578\u63d0\u5347\u653b\u7565<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u623f\u8cb8<\/h3>\n\n\n\n<p>\u76ee\u524d\u6700\u666e\u904d\u7684\u8cfc\u5c4b\u65b9\u5f0f\u90fd\u662f\u5169\u6210\u982d\u671f\u6b3e\u52a0\u4e0a\u516b\u6210\u8cb8\u6b3e\uff0c\u5047\u8a2d\uff1a\u4e00\u9593\u623f\u8981\u50f91,000\u842c\u5143\u3001\u8cb8\u6b3e30\u5e74\u3001\u5e74\u5229\u73872%\uff0c\u6263\u9664\u81ea\u5099\u982d\u671f\u6b3e\uff0c\u7e3d\u5171\u9700\u8981\u8cb8800\u842c\u5143\uff0c\u6bcf\u500b\u6708\u672c\u91d1\u542b\u5229\u606f\u9700\u8981\u6524\u908429,570\u5143\uff0c\u8cb8\u6b3e30\u5e74\u4e0b\u4f86\u4f60\u7e3d\u5171\u652f\u4ed810,645,200\u5143\u3002<\/p>\n\n\n\n<p>\u4f60\u662f\u4e0d\u662f\u5f88\u9a5a\u8a1d\uff0c\u660e\u660e\u624d\u501f800\u842c\u5143\uff0c\u9084\u6b3e\u52a0\u4e0a\u5229\u606f\u537b\u8981\u4f60\u90841000\u591a\u842c\u5143\uff0c\u800c\u9019\u4e9b\u9084\u4e0d\u5305\u542b\u4f60\u6bcf\u5e74\u8981\u7e73\u4ea4\u7d66\u653f\u5e9c\u7684\u623f\u5c4b\u7a05\u3001\u5730\u50f9\u7a05\u8207\u623f\u5c4b\u4fee\u7e55\u8cbb\u3002<\/p>\n\n\n\n<p>\u8fd1\u5e74\u623f\u5c4b\u50f9\u683c\u4e0b\u8dcc\uff0c\u4e14\u65b0\u5c4b\u6578\u91cf\u5927\u589e\uff0c\u8981\u662f\u672a\u4f86\u7121\u529b\u4ea4\u8cb8\u6b3e\uff0c\u60f3\u8981\u5c07\u623f\u5b50\u8f49\u552e\uff0c\u4e5f\u53ef\u80fd\u9762\u81e8\u623f\u5b50\u8ce3\u4e0d\u5c31\u53bb\u6216\u662f\u8ce3\u4e0d\u5230\u7406\u60f3\u7684\u50f9\u683c\u7684\u554f\u984c\uff0c\u6301\u7e8c\u7e73\u4e0d\u51fa\u623f\u8cb8\u7684\u5f8c\u679c\u5c31\u662f\u623f\u5c4b\u88ab\u8ce4\u50f9\u6cd5\u62cd\u4f86\u511f\u9084\u6b3e\u9805\uff0c\u800c\u4f60\u6240\u6295\u5165\u7684\u91d1\u9322\u901a\u901a\u90fd\u88ab\u9280\u884c\u62ff\u53bb\u7576\u5229\u606f\uff0c\u9019\u6a23&#8230;\u4f60\u9084\u662f\u628a\u8cb7\u5c4b\u7576\u4f5c\u662f\u4e00\u9805\u6295\u8cc7\u55ce\uff1f<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u8eca\u8cb8<\/h3>\n\n\n\n<p>\u4e00\u822c\u8cfc\u8eca\u982d\u671f\u6b3e\u50c5\u9700\u8981\u6e96\u5099\u4e00\u6210\uff0c\u5269\u9918\u7684\u4e5d\u6210\u7686\u53ef\u4ee5\u8ddf\u9280\u884c\u8cb8\u6b3e\u3002\u5047\u8a2d\uff1a80\u842c\u5143\u7684\u65b0\u8eca\uff0c\u8eca\u8cb8\u7d048%\uff0c\u6263\u9664\u81ea\u5099\u982d\u671f\u6b3e\u6bcf\u6708\u6700\u4f4e\u7e731.3\u842c\u5143\uff0c\u9664\u4e86\u671f\u6eff\u8981\u9084100\u591a\u842c\u5143\u4ee5\u5916\uff0c\u4f60\u9084\u9700\u8981\u984d\u5916\u652f\u4ed8\u6c7d\u8eca\u505c\u8eca\u8cbb\u3001\u6cb9\u9322\u3001\u4fdd\u990a\u8cbb\u3001\u71c3\u6599\u7a05\uff0c\u5982\u679c\u4f60\u60f3\u8981\u5c07\u8eca\u5b50\u8ce3\u6389\u9084\u8981\u8003\u616e\u5230\u6298\u820a\u7387\uff0c\u4e0d\u7ba1\u600e\u9ebc\u7b97\u90fd\u662f\u7121\u6b62\u76e1\u4e0d\u65b7\u652f\u51fa\u7684\u9ed1\u6d1e\u3002&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h3 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class=\"wp-block-heading\">\u4fe1\u7528\u5361\u50b5<\/h3>\n\n\n\n<p>\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\u7684\u6d88\u8cbb\u65b9\u5f0f\uff0c\u56e0\u70ba\u65b9\u4fbf\u4f7f\u7528\uff0c\u56e0\u6b64\uff0c\u990a\u6210\u8a31\u591a\u4eba\u5e38\u5e38\u90fd\u662f\u7206\u5361\u7684\u72c0\u614b\uff0c\u5982\u679c\u9047\u4e0a\u85aa\u6c34\u4e0d\u5920\u652f\u4ed8\u5e33\u55ae\u7684\u60c5\u6cc1\uff0c\u5c31\u53ea\u80fd\u9078\u64c7\u5148\u9084\u6bcf\u6708\u6700\u4f4e\u91d1\u984d\uff0c\u5269\u9918\u7684\u6b3e\u9805\u4fbf\u653e\u4efb\u5faa\u74b0\u5229\u606f\u7d2f\u7a4d\uff0c\u82e5\u6c92\u6709\u63a7\u5236\u9019\u6a23\u7684\u5faa\u74b0\uff0c\u5f88\u591a\u4eba\u5c31\u6700\u5f8c\u8b8a\u6210\u4ee5\u5361\u990a\u5361\u7684\u5361\u5974\u4e86\u3002<\/p>\n\n\n\n<h3 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title=\"\"><\/figure>\n\n\n\n<p>\u7576\u4f60\u8eab\u4e0a\u6709\u8ca0\u50b5\uff0c\u5c31\u4ee3\u8868\u6bcf\u6b21\u9818\u7684\u85aa\u6c34\u90fd\u6709\u90e8\u5206\u662f\u4e0d\u5c6c\u65bc\u4f60\u7684\uff0c\u96d6\u7136\u9032\u5230\u4f60\u7684\u53e3\u888b\uff0c\u4f46\u53c8\u5f97\u8981\u89aa\u624b\u9001\u51fa\u53bb\uff0c\u5149\u60f3\u5230\u9019\u9ede\u5c31\u89ba\u5f97\u5f88\u4e0d\u597d\u53d7\uff0c\u66f4\u4f55\u6cc1\u8a31\u591a\u4eba\u90fd\u540c\u6642\u6708\u7e73\u8eca\u8cb8\u3001\u623f\u8cb8\u3002<\/p>\n\n\n\n<p>\u5929\u554a!\uff01\u4e00\u60f3\u5230\u623f\u8cb8\u53ef\u662f\u8981\u7e7330\u5e74\u4e14\u4e0d\u80fd\u9593\u65b7\u7684&#8230;.<\/p>\n\n\n\n<p>\u8981\u662f\u4f60\u625b\u4e0b\u4e86\u8cb8\u6b3e\uff0c\u90a3\u6bcf\u6708\u85aa\u8cc7\u90fd\u5fc5\u9808\u8981\u5148\u6263\u9664\u9084\u8cb8\u91d1\u984d\uff0c\u5269\u4e0b\u7684\u624d\u662f\u4f60\u751f\u6d3b\u652f\u51fa\uff0c\u70ba\u4e86\u6bcf\u6708\u7684\u6b63\u5e38\u9084\u6b3e\uff0c\u4f60\u4fbf\u7121\u6cd5\u96a8\u610f\u96e2\u8077\u6216\u63db\u5de5\u4f5c\uff0c\u53ea\u80fd\u88ab\u8feb\u9078\u64c7\u4e86\u7dad\u6301\u73fe\u72c0\uff0c\u66f4\u5225\u8aaa\u8981\u60f3\u9032\u884c\u984d\u5916\u7684\u6295\u8cc7\u3002\u5982\u679c\u525b\u597d\u76ee\u524d\u7684\u5de5\u4f5c\u8207\u751f\u6d3b\u90fd\u662f\u4f60\u4e0d\u559c\u6b61\u7684\uff0c\u5728\u4f60\u80cc\u8ca0\u50b5\u52d9\u7684\u671f\u9593\uff0c\u90a3\u7a2e\u5fc3\u529b\u4ea4\u7601\u611f\uff0c\u5c31\u6703\u7d93\u5e38\u7684\u4f86\u5411\u4f60\u5831\u5230\uff0c\u5982\u6b64\u8ca0\u9762\u7684\u5fc3\u60c5\u53ef\u80fd\u5f71\u97ff\u4f60\u751f\u6d3b\u7684\u54c1\u8cea\u3002<\/p>\n\n\n\n<h3 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src=\"https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/\u90e8\u843d\u683c\u7e2e\u5716-11.png\" alt=\"\u64fa\u812b\u8ca0\u50b5\uff0c30\u5e74\u623f\u8cb8\uff0b\u5229\u606f\u7e3d\u984d\u8a66\u7b97\" class=\"wp-image-6071\" title=\"\" srcset=\"https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/\u90e8\u843d\u683c\u7e2e\u5716-11.png 1200w, https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/\u90e8\u843d\u683c\u7e2e\u5716-11-800x535.png 800w, https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/\u90e8\u843d\u683c\u7e2e\u5716-11-768x514.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>\u76f8\u540c\u7684\u9053\u7406\u4e5f\u6703\u51fa\u73fe\u5728\u5176\u5b83\u50b5\u52d9\u4e0a\uff0c\u9084\u6b3e\u7e3d\u984d\u7684\u4e00\u90e8\u5206\u90fd\u6703\u88ab\u7576\u4f5c\u505a\u5229\u606f\uff0c\u800c\u4fe1\u8cb8\u3001\u8eca\u8cb8\u3001\u5361\u50b5\u5229\u606f%\u6578\u53c8\u66f4\u9ad8\uff0c\u9019\u4e9b\u5f9e\u4f60\u53e3\u888b\u4e2d\u62ff\u51fa\u53bb\u652f\u4ed8\u7684\u5229\u606f\uff0c\u5c07\u6703\u6e1b\u5c11\u4f60\u6bcf\u500b\u6708\u80fd\u5920\u652f\u914d\u7684\u91d1\u984d\u3002<\/p>\n\n\n\n<p>\u5c31\u7b97\u4f60\u5df2\u7d93\u7701\u5403\u5109\u7528\uff0c\u4f46\u9084\u662f\u6703\u6709\u8a31\u591a\u7a81\u767c\u72c0\u6cc1\uff08\u5bb6\u5ead\u3001\u91ab\u7642\u3001\u4fee\u8eca\u3001\u9001\u79ae&#8230;\u7b49\uff09\uff0c\u90fd\u6703\u8981\u4f60\u5728\u751f\u6d3b\u4e2d\u7c4c\u51fa\u66f4\u591a\u7684\u9322\uff0c\u5df2\u7d93\u6c92\u6709\u4efb\u4f55\u73fe\u91d1\u7684\u4f60\uff0c\u53ef\u80fd\u5c31\u53ea\u80fd\u958b\u59cb\u8ddf\u5225\u4eba\u501f\u9322\u6216\u662f\u5c0b\u6c42\u5c0f\u984d\u501f\u6b3e\uff0c\u6253\u958b\u4e86\u4e0d\u65b7\u5229\u6efe\u5229\u60e1\u6027\u5faa\u74b0\u7684\u5927\u9580\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B2%A0%E5%82%B5%E8%BF%B7%E6%80%9D%EF%BC%88%E8%B6%8A%E6%9C%89%E9%8C%A2%E8%B2%A0%E5%82%B5%E8%B6%8A%E5%A4%9A%EF%BC%9F%EF%BC%89\"><\/span>\u8ca0\u50b5\u8ff7\u601d\uff08\u8d8a\u6709\u9322\u8ca0\u50b5\u8d8a\u591a\uff1f\uff09<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/pexels-anna-nekrashevich-6801651-scaled.jpg\" alt=\"\u64fa\u812b\u8ca0\u50b5\uff0c\u8ca0\u50b5\u8ff7\u601d\" class=\"wp-image-6067\" title=\"\" srcset=\"https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/pexels-anna-nekrashevich-6801651-scaled.jpg 2560w, https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/pexels-anna-nekrashevich-6801651-800x533.jpg 800w, https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/pexels-anna-nekrashevich-6801651-768x512.jpg 768w, https:\/\/yalechen.com\/wp-content\/uploads\/2021\/08\/pexels-anna-nekrashevich-6801651-1536x1024.jpg 1536w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n<p>\u8a31\u591a\u4f01\u696d\u5927\u5ee0\u5728\u62d3\u5c55\u5546\u696d\u7248\u5716\u6642\uff0c\u6703\u5411\u9280\u884c\u8209\u50b5\u84cb\u5ee0\u8207\u589e\u8cc7\uff0c\u5c31\u9023Tesla\u7684\u99ac\u65af\u514b\u4e5f\u4e0d\u4f8b\u5916\uff0c\u6839\u64da2018\u5e74\u5a92\u9ad4\u516c\u5e03\uff0c\u70ba\u4e86\u767c\u5c55\u516c\u53f8\u696d\u52d9\uff0c\u7576\u6642\u4ed6\u500b\u4eba\u5df2\u7d93\u6709\u53f0\u5e6318.8\u5104\u5143\u7684\u8cb8\u6b3e\uff1b\u53e6\u5916\uff0c\u5bcc\u7238\u7238\u7aae\u7238\u7238\u4f5c\u8005\u7f85\u4f2f\u7279\u00b7\u6e05\u5d0e\u70ba\u4e86\u8cfc\u5165\u66f4\u591a\u7684\u623f\u5730\u7522\uff0c\u4e5f\u66fe\u662f\u5411\u9280\u884c\u4e0d\u65b7\u8cb8\u6b3e\u8cb7\u623f\uff0c\u56e0\u6b64\u8b93\u5927\u5bb6\u7522\u751f\u4e86\uff0c\u6709\u9322\u4eba\u90fd\u662f\u80cc\u8ca0\u8457\u5f88\u591a\u8cb8\u6b3e\uff0c\u7136\u800c\uff0c\u4f60\u77e5\u9053\u4ed6\u5011\u8cb8\u6b3e\u7684\u7528\u610f\uff0c\u5176\u5be6\u90fd\u662f\u70ba\u4e86\u8981\u5275\u9020\u51fa\u66f4\u9f90\u5927\u7684\u88ab\u52d5\u6536\u5165\u55ce\uff1f<\/p>\n\n\n\n<p>\u6709\u9322\u4eba\u70ba\u4e86\u5275\u9020\u66f4\u591a\u6536\u5165\u800c\u8ca0\u50b5\uff0c\u4f46\u4e00\u822c\u4eba\u662f\u70ba\u4e86\u77ed\u66ab\u5feb\u6a02\u800c\u8ca0\u50b5\uff0c\u53ef\u80fd\u525b\u958b\u59cb\u7684\u4e09\u500b\u6708\u4f60\u6703\u56e0\u70ba\uff0c\u8cfc\u8cb7\u5230\u65b0\u7269\u54c1\u800c\u611f\u5230\u958b\u5fc3\uff0c\u4f46\u96a8\u4e4b\u7684\u5c31\u662f\u5c0d\u90a3\u9805\u7269\u54c1\u65b0\u9bae\u611f\u4e0b\u964d\uff0c\u9019\u6642\u4f60\u53c8\u6703\u5c0d\u53e6\u4e00\u9805\u7269\u54c1\u7522\u751f\u8208\u8da3\uff0c\u5f62\u6210\u4e00\u500b\u7121\u6b62\u76e1\u7684\u617e\u671b\u3002<\/p>\n\n\n\n<p>\u96a8\u8457\u8ca0\u50b5\u91d1\u984d\u8d8a\u4f86\u8d8a\u9ad8\uff0c\u4f60\u7684\u4eba\u751f\u5c31\u53ea\u5269\u4e0b\u4e00\u5806\u4f60\u5df2\u7d93\u4e0d\u611f\u8208\u8da3\u7684\u7269\u54c1\uff0c\u4ee5\u53ca\u4e00\u5927\u7b46\u8b93\u4f60\u7121\u6cd5\u9762\u5c0d\u7684\u50b5\u52d9\uff0c\u53ea\u597d\u4e0d\u65b7\u5de5\u4f5c\u3001\u7e7c\u7e8c\u9084\u50b5\uff0c\u6700\u7d42\u5931\u53bb\u638c\u63e1\u4eba\u751f\u7684\u81ea\u4e3b\u6b0a\u3002<\/p>\n\n\n\n<p>\u4efb\u4f55\u6295\u8cc7\u90fd\u662f\u6709\u8ce0\u9322\u7684\u98a8\u96aa\uff0c\u5c31\u76ee\u524d\u7a69\u56fa\u9577\u671f\u6295\u8cc7\u800c\u8a00\uff0c\u96d6\u7136\u7f8e\u80a1ETF\u67098%\u4ee5\u4e0a\u7372\u5229\uff0c\u4f46\u9019\u4e5f\u53ea\u662f\u4e00\u500b\u5e73\u5747\u503c\uff0c\u4ee3\u8868\u6709\u6bcf\u500b\u6708\u4efd\u7684\u6295\u8cc7\u5831\u916c\u7387\u90fd\u662f\u6d6e\u52d5\u7684\u3002<\/p>\n\n\n\n<p>\u7576\u4f60\u7528\u8981\u9084\u6b3e\u7684\u91d1\u9322\u6295\u8cc7\uff0c\u5982\u679c\u4e0d\u5e78\u525b\u597d\u9047\u4e0a\u6295\u8cc7\u5831\u916c\u7387\u8f03\u4f4e\u7684\u6708\u4efd\uff0c\u6c92\u73fe\u91d1\u7684\u4f60\u5c07\u9762\u81e8\u7e73\u4e0d\u51fa\u8cb8\u6b3e\uff0c\u9664\u4e86\u53ef\u80fd\u8ce4\u8ce3\u6295\u8cc7\u6a19\u7684\u5916\uff0c\u53ea\u80fd\u8b93\u50b5\u52d9\u53bb\u6efe\u66f4\u591a\u7684\u5229\u606f\uff0c\u56e0\u6b64\uff0c\u5c0d\u65bc\u666e\u901a\u4eba\u800c\u8a00\u9084\u662f\u8981<strong>\u5148\u6e05\u9664\u6389\u624b\u4e0a\u7684\u50b5\u52d9\u518d\u958b\u59cb\u6295\u8cc7\u624d\u662f\u4e0a\u7b56<\/strong>\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u90a3\u70ba\u4ec0\u9ebc\u6709\u9322\u4eba\u53ef\u4ee5\u501f\u9322\u6295\u8cc7\u5462\uff1f<\/h3>\n\n\n\n<p>\u6709\u9322\u4eba\u8207\u4e00\u822c\u4eba\u7684\u5dee\u7570\u6709\u5169\u9ede\uff1a<\/p>\n\n\n\n<ul><li><h4>\u4ed6\u5011\u501f\u9322\u6295\u8cc7\u53ef\u4ee5\u7522\u751f\u7684\u5831\u916c\u5927\u904e\u65bc\u6240\u8981\u7e73\u7684\u5229\u606f\u3002<\/h4><\/li><li><h4>\u4ed6\u5011\u6295\u8cc7\u90fd\u662f\u6295\u8cc7\u5728\u4ed6\u5011\u7684\u5c08\u696d\u4e0a\u800c\u4f60\u4e0d\u662f\u3002<\/h4><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%93%BA%E8%84%AB%E5%82%B5%E5%8B%99%E7%9A%84%E6%96%B9%E6%B3%95%E6%9C%89%E5%93%AA%E4%BA%9B%EF%BC%9F\"><\/span>\u64fa\u812b\u50b5\u52d9\u7684\u65b9\u6cd5\u6709\u54ea\u4e9b\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5982\u679c\u4f60\u73fe\u5728\u5f88\u4e0d\u5e78\u7684\u5df2\u7d93\u80cc\u4e0a\u4e86\u6578\u500b\u50b5\u52d9\uff0c\u76f8\u4fe1\u53ea\u8981\u64c1\u6709\u6b63\u78ba\u7684\u89c0\u5ff5\u53bb\u9762\u5c0d\u4f60\u7684\u50b5\u52d9\uff0c\u4f60\u4e5f\u80fd\u5920\u4ee5\u6700\u6709\u6548\u7387\u7684\u901f\u5ea6\u4f86\u64fa\u812b\u50b5\u52d9\uff0c\u4ee5\u4e0b\u4e09\u9805\u70ba\u6700\u5e38\u898b\u7684\u9084\u6b3e\u6cd5\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\u65b9\u6cd5<\/th><th class=\"has-text-align-left\" data-align=\"left\">\u5be6\u969b\u4f5c\u6cd5<\/th><\/tr><\/thead><tbody><tr><td>\u96ea\u7403\u9084\u50b5\u6cd5<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u7531\u5c0f\u91d1\u984d\u7684\u50b5\u52d9\u5148\u511f\u9084\uff0c\u5927\u91d1\u984d\u7684\u50b5\u52d9\u50c5\u7dad\u6301\u6700\u4f4e\u9084\u6b3e\u3002<\/td><\/tr><tr><td>\u6574\u5408\u50b5\u52d9<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u6709\u591a\u500b\u50b5\u52d9\u5229\u606f\u904e\u9ad8\uff0c\u53ef\u8207\u9280\u884c\u7aef\u8a0e\u8ad6\uff0c\u5c07\u5176\u6574\u5408\u70ba\u55ae\u4e00\u5229\u606f\u8f03\u4f4e\u7684\u50b5\u52d9\u6216\u662f\u8f49\u8cb8\u3002<\/td><\/tr><tr><td>\u5feb\u901f\u9084\u50b5<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u6578\u500b\u50b5\u52d9\u4e2d\uff0c\u5148\u5c07\u5229\u606f\u6700\u9ad8\u7684\u50b5\u52d9\u9084\u6e05\uff0c\u907f\u514d\u88ab\u4ee5\u4e0d\u65b7\u8907\u5229\u7684\u901f\u5ea6\u589e\u52a0\u5229\u606f\u3002<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<pre class=\"wp-block-preformatted\">\u3010\u88dc\u5145\u3011\n<strong>\u300e\u96ea\u7403\u9084\u50b5\u6cd5<\/strong>\u300f\u662f\u7531\u7406\u8ca1\u5c08\u5bb6<strong>Dave Ramsey<\/strong>\u63d0\u51fa\uff0c\u5148\u5c08\u6ce8\u5728\u9084\u6e05\u7e3d\u91d1\u984d\u6700\u5c0f\u7684\u50b5\u52d9\uff0c\u540c\u6642\u4e5f\u4fdd\u6301\u511f\u9084\u5176\u5b83\u50b5\u52d9\u7684<strong>\u6700\u4f4e\u91d1\u984d<\/strong>\uff0c\u8b93\u81ea\u5df1\u7684\u50b5\u52d9\u5feb\u901f\u7684\u4e00\u500b\u4e00\u500b\u88ab\u6d88\u6ec5\uff0c\u9019\u6a23\u4e0d\u50c5\u66f4\u5bb9\u6613\u770b\u5230\u9084\u6b3e\u6210\u6548\uff0c\u9032\u800c\u7522\u751f\u51fa\u66f4\u591a\u9084\u50b5\u7684\u52d5\u529b\u3002<\/pre>\n\n\n\n<p>\u5982\u679c\u4f60\u9084\u4e0d\u6e05\u695a\u81ea\u5df1\u50b5\u52d9\u7684\u7e3d\u91d1\u984d\u548c\u5229\u606f\u5229\u7387\uff0c\u6216\u662f\u8a72\u5982\u4f55\u6574\u5408\u50b5\u52d9\u3001\u60f3\u5ef6\u5f8c\u9084\u6b3e\u65e5\u671f&#8230;\u7b49\uff0c\u90fd\u53ef\u4ee5\u76f4\u63a5\u6253\u96fb\u8a71\u53bb\u7d66\u50b5\u4e3b\uff08\u6240\u8cb8\u6b3e\u9280\u884c\uff09\u8ac7\uff0c\u5982\u679c\u6709\u4efb\u4f55\u7684\u56f0\u96e3\u6216\u7591\u554f\uff0c\u5728\u4e3b\u52d5\u8a62\u554f\u8207\u4e86\u89e3\u5f8c\uff0c\u76f8\u4fe1\u90fd\u662f\u53ef\u4ee5\u7372\u5f97\u66f4\u591a\u89e3\u6c7a\u7684\u65b9\u6cd5\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B2%A0%E5%82%B5%E8%B7%9F%E6%8F%90%E6%97%A9%E9%80%80%E4%BC%91%E7%9A%84%E9%97%9C%E4%BF%82%EF%BC%9F\"><\/span>\u8ca0\u50b5\u8ddf\u63d0\u65e9\u9000\u4f11\u7684\u95dc\u4fc2\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>\u60f3\u8981\u63d0\u65e9\u9000\u4f11\uff0c\u4e00\u5b9a\u8981\u5148\u7372\u5f97\u8ca1\u52d9\u81ea\u7531<\/strong>\u3002\u8ca1\u52d9\u81ea\u7531\u5c31\u662f\u7576\u4f60\u9019\u500b\u6708\u4e0d\u7528\u53bb\u5de5\u4f5c\u4e86\uff0c\u4e5f\u6703\u6709\u4e00\u7b46\u8db3\u5920\u751f\u6d3b\u7684\u88ab\u52d5\u6536\u5165\u6216\u662f\u6b3e\u9805\u81ea\u52d5\u532f\u9032\u4f60\u5e33\u6236\uff0c\u6240\u4ee5\uff0c\u5275\u9020\u51fa\u5c6c\u65bc\u4f60\u7684\u88ab\u52d5\u6536\u5165\uff0c\u5c31\u662f\u6700\u91cd\u8981\u7684\u4e00\u500b\u6b65\u9a5f\u3002<\/p>\n\n\n\n<pre 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