{"id":680124,"date":"2023-06-27T00:03:13","date_gmt":"2023-06-26T22:03:13","guid":{"rendered":"https:\/\/dailynewshungary.com\/cn\/%e9%80%80%e4%bc%91%e5%90%8e%e5%a6%82%e4%bd%95%e8%ae%a1%e5%88%92%e6%97%85%e8%a1%8c-2\/"},"modified":"2023-06-27T00:03:13","modified_gmt":"2023-06-26T22:03:13","slug":"%e9%80%80%e4%bc%91%e5%90%8e%e5%a6%82%e4%bd%95%e8%ae%a1%e5%88%92%e6%97%85%e8%a1%8c-2","status":"publish","type":"post","link":"https:\/\/dailynewshungary.com\/cn\/%e9%80%80%e4%bc%91%e5%90%8e%e5%a6%82%e4%bd%95%e8%ae%a1%e5%88%92%e6%97%85%e8%a1%8c-2\/","title":{"rendered":"\u9000\u4f11\u540e\u5982\u4f55\u8ba1\u5212\u65c5\u884c"},"content":{"rendered":"<p style=\"text-align: center;\"><span style=\"color: #808080;\"><em><strong>\u8d5e\u52a9\u5185\u5bb9<\/strong><\/em><\/span><\/p>\n<p><strong>\u9000\u4f11\u53ef\u4ee5\u8ba9\u60a8\u63a2\u7d22\u4e16\u754c\u5e76\u8de8\u8d8a\u65c5\u884c\u613f\u671b\u6e05\u5355\u4e2d\u7684\u76ee\u7684\u5730\u3002<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Dan\u662f, \u89c4\u5212\u548c\u51c6\u5907\u662f\u5145\u5206\u4eab\u53d7\u65c5\u884c\u7684\u5173\u952e, \u90a3\u5305\u62ec\u884c\u7a0b\u672c\u8eab, Yi\u4f55\u652f\u4ed8\u65c5\u884c\u8d39\u7528\u3002&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5728\u672c\u6587\u4e2d,\u6211\u4eec\u5c06\u8ba8\u8bba\u8ba1\u5212\u4ee4\u4eba\u5174\u594b\u3001\u65e0\u538b\u529b\u7684\u9000\u4f11\u65c5\u884c\u7684\u56db\u4e2a\u5173\u952e\u6280\u5de7\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">1\u3002\u521b\u5efa\u9884\u7b97<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u9884\u7b97\u662f\u89c4\u5212\u9000\u4f11\u65c5\u884c\u6700\u5173\u952e\u7684\u4e00\u73af\u3002\u8fd9\u6d89\u53ca\u6bcf\u6708\u9884\u7b97 <\/span><i><span style=\"font-weight: 400;\">\u4e26<\/span><\/i><span style=\"font-weight: 400;\"> \u7279\u5b9a\u4e8e\u65c5\u884c\u7684\u9884\u7b97\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u6bcf\u6708\u7684\u9884\u7b97\u53ef\u4ee5\u5e2e\u52a9\u60a8\u5c06\u8d39\u7528\u4fdd\u6301\u5728\u4f4e\u4e8e\u6536\u5165\u7684\u6c34\u5e73,\u4ee5\u4fbf\u60a8\u53ef\u4ee5\u8282\u7701\u6bcf\u4e2a\u6708\u7684\u65c5\u884c\u8d39\u7528\u3002\u5b83\u8fd8\u53ef\u4ee5\u8ba9\u60a8\u627e\u5230\u5e76\u524a\u51cf\u4e0d\u5fc5\u8981\u7684\u8d39\u7528,\u4ece\u800c\u817e\u51fa\u66f4\u591a\u7684\u65c5\u884c\u8282\u7701\u3002&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Travel budget\u5728\u4f60\u8ba1\u5212\u65c5\u884c\u7684\u65f6\u5019\u5c31\u53d1\u6325\u4f5c\u7528, \u4f60\u5fc5\u987b\u5148\u786e\u5b9a\u4f60\u613f\u610f\u82b1\u591a\u5c11\u65f6\u95f4\u5728\u7279\u5b9a\u7684\u5047\u671f, \u7136\u540e,\u4f60\u628a\u90a3\u7b14\u94b1\u5206\u7ed9\u51e0\u4e2a\u65c5\u884c\u8d39\u7528, \u4f8b\u5982:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u76ee\u7684\u5730\u65c5\u884c(\u673a\u7968\u3001\u6c7d\u6cb9\u7b49)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4f4f\u5bbf<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u98df\u7269<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5a31\u4e50\/\u6587\u5316\u6d3b\u52a8<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u8bbe\u7f6e\u65c5\u884c\u9884\u7b97\u53ef\u4ee5\u5e2e\u52a9\u60a8\u66f4\u52a0\u4e13\u6ce8\u4e8e\u4eab\u53d7\u8fd9\u4e00\u523b,\u56e0\u4e3a\u60a8\u4e0d\u5fc5\u62c5\u5fc3\u5728\u5ea6\u5047\u65f6\u662f\u5426\u53ef\u4ee5\u8d1f\u62c5\u7279\u5b9a\u7684\u8d39\u7528\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">2\u3001\u65e9\u70b9\u5f00\u59cb\u50a8\u84c4<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u8d8a\u65e9\u5f00\u59cb\u4e3a\u9000\u4f11\u50a8\u84c4,\u4f60\u5c31\u8d8a\u9700\u8981\u7559\u51fa\u94b1\u3002\u6b64\u5916,\u4f60\u7684\u50a8\u84c4\u548c\u6295\u8d44\u6709\u66f4\u591a\u7684\u65f6\u95f4\u6765\u6f5c\u5728\u5730\u8d5a\u53d6\u6536\u76ca\u5e76\u5e26\u6765\u590d\u5408\u56de\u62a5\u3002&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u9996\u5148,\u4f7f\u7528a <\/span><a href=\"https:\/\/www.prudential.com\/personal\/retirement\/calculator\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">401k\u8ba1\u7b97\u5668<\/span><\/a><span style=\"font-weight: 400;\"> \u4f30\u8ba1\u60a8\u5fc5\u987b\u4e3a\u6574\u4f53\u9000\u4f11\u50a8\u84c4\u591a\u5c11,\u5e76\u8003\u8651\u65c5\u884c\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u7136\u540e,\u5229\u7528\u7a0e\u6536\u4f18\u60e0\u8d26\u6237,\u4f8b\u5982 401k \u548c\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (IRA),\u7559\u51fa\u66f4\u591a\u8d44\u91d1\u5e76\u589e\u52a0\u60a8\u7684\u9000\u4f11\u50a8\u84c4\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u8fd9\u5c06\u4e3a\u60a8\u7684\u9000\u4f11\u65c5\u884c\u7559\u4e0b\u66f4\u591a\u7684\u8d22\u52a1\u9884\u7b97\u7a7a\u95f4\u3002&nbsp;<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">3\u3001\u5f7b\u5e95\u7814\u7a76\u5047\u671f\u8ba1\u5212<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u63d0\u524d\u5f7b\u5e95\u7814\u7a76\u53ef\u4ee5\u8ba9\u60a8\u6709\u8db3\u591f\u7684\u65f6\u95f4\u6765\u5f04\u6e05\u695a\u6240\u6709\u7684\u65c5\u884c\u7ec6\u8282\u3002\u8fd9\u5305\u62ec\u60a8\u7684\u76ee\u7684\u5730\u3001\u60a8\u5c06\u5982\u4f55\u5230\u8fbe\u90a3\u91cc\u3001\u4f4f\u5bbf\u4ee5\u53ca\u60a8\u5c06\u53c2\u52a0\u54ea\u4e9b\u6d3b\u52a8\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u63d0\u524d\u8ba1\u5212\u8fd8\u53ef\u4ee5\u5e2e\u52a9\u60a8\u5b89\u6392\u65c5\u884c\u65f6\u95f4,\u4ee5\u83b7\u5f97\u67d0\u4e9b\u8d39\u7528\u7684\u8f83\u4f4e\u4ef7\u683c\u3002\u4f8b\u5982,\u60a8\u53ef\u4ee5\u63d0\u524d\u5f88\u957f\u65f6\u95f4\u9884\u8ba2\u6de1\u5b63\u7684\u822a\u73ed\u548c\u9152\u5e97,\u4ee5\u83b7\u5f97\u8f83\u4f4e\u7684\u4ef7\u683c\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">4\u3001\u5229\u7528\u6298\u6263\u548c\u4f18\u60e0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u5bfb\u627e\u6298\u6263\u548c\u4f18\u60e0\u53ef\u4ee5\u5e2e\u52a9\u60a8\u964d\u4f4e\u65c5\u884c\u6210\u672c\u5e76\u8fdb\u4e00\u6b65\u6269\u5927\u9884\u7b97\u3002\u8fd9\u5728\u9000\u4f11\u540e\u4f1a\u66f4\u5bb9\u6613,\u56e0\u4e3a\u8bb8\u591a\u822a\u7a7a\u516c\u53f8\u3001\u9152\u5e97\u3001\u666f\u70b9\u548c\u5a31\u4e50\u673a\u6784\u53ef\u80fd\u4f1a\u4e3a\u8001\u5e74\u4eba\u63d0\u4f9b\u6298\u6263\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Airbnb\u8fd9\u6837\u7684\u623f\u5c4b\u5171\u4eab\u5e73\u53f0,\u4e5f\u53ef\u4ee5\u8003\u8651\u66ff\u4ee3\u7684\u65c5\u884c\u9009\u62e9,\u6bd4\u5982,\u53ef\u4ee5\u4f7f\u7528Airbnb\u8fd9\u6837\u7684\u623f\u5c4b\u5171\u4eab\u5e73\u53f0,\u83b7\u5f97\u66f4\u5b9e\u60e0\u7684\u4f4f\u5bbf\u9009\u62e9\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u60a8\u8ba1\u5212\u7ecf\u5e38\u65c5\u884c,\u65c5\u884c\u5361\u503c\u5f97\u8003\u8651\u3002\u8fd9\u4e9b\u5361\u8d2d\u4e70\u65f6\u8d5a\u53d6\u91cc\u7a0b,\u53ef\u514d\u8d39\u5151\u6362\u548c\u6298\u6263\u65c5\u884c\u3002\u901a\u5e38,\u8fd9\u4e9b\u5361\u5728\u8d2d\u4e70\u65c5\u884c\u76f8\u5173\u7269\u54c1(\u4f8b\u5982\u822a\u73ed\u548c\u79df\u8f66)\u65f6\u5956\u52b1\u60a8\u6bcf\u7f8e\u5143\u66f4\u591a\u7684\u91cc\u7a0b\u3002&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4ed6\u4eec\u8fd8\u53ef\u80fd\u63d0\u4f9b\u514d\u8d39\u6258\u8fd0\u884c\u674e\u3001\u65c5\u884c\u4fdd\u9669\u4ee5\u53ca\u514d\u8d39\u5ea7\u4f4d\u6216\u623f\u95f4\u5347\u7ea7\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u5e95\u7ebf<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u9000\u4f11\u65f6\u66f4\u591a\u7684\u7a7a\u95f2\u65f6\u95f4\u610f\u5473\u7740\u60a8\u53ef\u4ee5\u66f4\u591a\u5730\u65c5\u884c\u3002\u7136\u800c,\u82b1\u4e00\u4e9b\u7a7a\u95f2\u65f6\u95f4\u8ba1\u5212\u548c\u51c6\u5907\u53ef\u4ee5\u51cf\u8f7b\u65c5\u884c\u53ef\u80fd\u5e26\u6765\u7684\u538b\u529b\u548c\u62c5\u5fe7\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Budgeting,\u63d0\u65e9\u7701\u94b1,\u63d0\u524d\u7814\u7a76\u5ea6\u5047\u673a\u4f1a,\u4f7f\u7528\u4f18\u60e0\u548c\u6298\u6263\u53ef\u4ee5\u5e2e\u52a9\u60a8\u964d\u4f4e\u68a6\u60f3\u5ea6\u5047\u7684\u6210\u672c,\u5e76\u5e2e\u52a9\u60a8\u66f4\u591a\u5730\u65c5\u884c,\u6240\u4ee5\u4eca\u5929\u5f00\u59cb\u8ba1\u5212\u60a8\u7684\u65c5\u884c,\u8fd9\u4e9b\u6280\u5de7\u53ef\u4ee5\u5145\u5206\u5229\u7528\u60a8\u7684\u9ec4\u91d1\u5c81\u6708\u3002<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u8d5e\u52a9\u5185\u5bb9 \u9000\u4f11\u53ef\u4ee5\u8ba9\u60a8\u63a2\u7d22\u4e16\u754c\u5e76\u8de8\u8d8a\u65c5\u884c\u613f\u671b\u6e05\u5355\u4e2d\u7684\u76ee\u7684\u5730\u3002 Dan\u662f, \u89c4\u5212\u548c\u51c6\u5907\u662f\u5145\u5206\u4eab\u53d7\u65c5\u884c\u7684\u5173\u952e, \u90a3\u5305\u62ec\u884c\u7a0b\u672c\u8eab, Yi\u4f55\u652f\u4ed8\u65c5\u884c\u8d39\u7528\u3002&nbsp; \u5728\u672c\u6587\u4e2d,\u6211\u4eec\u5c06\u8ba8\u8bba\u8ba1\u5212\u4ee4\u4eba\u5174\u594b\u3001\u65e0\u538b\u529b\u7684\u9000\u4f11\u65c5\u884c\u7684\u56db\u4e2a\u5173\u952e\u6280\u5de7\u3002 1\u3002\u521b\u5efa\u9884\u7b97 \u9884\u7b97\u662f\u89c4\u5212\u9000\u4f11\u65c5\u884c\u6700\u5173\u952e\u7684\u4e00\u73af\u3002\u8fd9\u6d89\u53ca\u6bcf\u6708\u9884\u7b97 \u4e26 \u7279\u5b9a\u4e8e\u65c5\u884c\u7684\u9884\u7b97\u3002 \u6bcf\u6708\u7684\u9884\u7b97\u53ef\u4ee5\u5e2e\u52a9\u60a8\u5c06\u8d39\u7528\u4fdd\u6301\u5728\u4f4e\u4e8e\u6536\u5165\u7684\u6c34\u5e73,\u4ee5\u4fbf\u60a8\u53ef\u4ee5\u8282\u7701\u6bcf\u4e2a\u6708\u7684\u65c5\u884c\u8d39\u7528\u3002\u5b83\u8fd8\u53ef\u4ee5\u8ba9\u60a8\u627e\u5230\u5e76\u524a\u51cf\u4e0d\u5fc5\u8981\u7684\u8d39\u7528,\u4ece\u800c\u817e\u51fa\u66f4\u591a\u7684\u65c5\u884c\u8282\u7701\u3002&nbsp; Travel budget\u5728\u4f60\u8ba1\u5212\u65c5\u884c\u7684\u65f6\u5019\u5c31\u53d1\u6325\u4f5c\u7528, 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