ADVERTISEMENT
返回
  • 浏览过的版块

1
ADVERTISEMENT
Huaren
等级大校
威望13
贴子10875
魅力11781
注册时间2009-04-21

crystalhuang

查看全部

看看fidelity的建议,有多少有娃有房贷的家庭可以做到?

34245

82

2016-05-25 14:27:15

今天没有心情干活,看到了Fidelity的这篇文章
[url=https://www.fidelity.com/viewpoints/personal-finance/spending-and-saving]https://www.fidelity.com/viewpoints/personal-finance/spending-and-saving[/url]
Aim to have no more than 50% of your take-home pay go toward your “must-have” expenses, such
as: Housing (mortgage, rent, property tax, utilities (like electricity), homeowner's/renter's insurance, and condo/home association fees), Food, Health care, Transportation, Child care, Debt payments and other obligations

好奇有多少有娃有房贷的家庭可以做到..........
Huaren
等级大校
威望13
贴子10875
魅力11781
注册时间2009-04-21

crystalhuang

查看全部

2016-05-25 14:37:17

这么多人看贴不回帖,好吧,我把年龄限制去掉........为啥别人的钱坑那么热闹,我绞尽脑汁发个跟钱有关的帖子没有人理
Huaren
等级大校
威望13
贴子10875
魅力11781
注册时间2009-04-21

crystalhuang

查看全部

2016-05-25 14:41:30

同问剩下的一半钱打算干啥用啊
spiral99 发表于 5/25/2016 2:39:44 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2018942&postid=71772714#71772714]

[/url]
“Some ideas: First, if you have high-interest debt, you could pay it down. Then if you have other goals, like paying for a child’s college or wedding, you could use it to save for them. And, finally, if you want to retire early, or if you haven’t been saving diligently, you may want to put it toward retirement savings.”


难怪上次有人的帖子里面说其实老美给孩子付大学学费/婚礼/买房子的也很多..........
Huaren
等级大校
威望13
贴子10875
魅力11781
注册时间2009-04-21

crystalhuang

查看全部

2016-05-25 14:53:55


哈哈,当然是拿给fidelity去投资,不然干嘛写这个文章给我们看
The2ndLaw 发表于 5/25/2016 2:45:59 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2018942&postid=71772793#71772793]

[/url]
哈哈,this makes me feel much better now:-)
Huaren
等级大校
威望13
贴子10875
魅力11781
注册时间2009-04-21

crystalhuang

查看全部

2016-05-25 14:57:36

我家没娃 基本上存一半 为以后的大房子还有娃攒钱
qiangdaxia 发表于 5/25/2016 2:52:01 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2018942&postid=71772865#71772865]

[/url]

我家没娃没买大房子的时候也能存很多,关键是一旦有了娃+大房子以后就没有那么爽了,等有了老二上幼儿园分分钟月光。还不知道到哪一年才能重现当年存一半的辉煌.......
Huaren
等级大校
威望13
贴子10875
魅力11781
注册时间2009-04-21

crystalhuang

查看全部

2016-05-25 15:03:52

如果按照税前工资的50%,15%,5%算就很正常了。交30%的税也是正常的
marchwater 发表于 5/25/2016 3:01:05 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2018942&postid=71773007#71773007]

[/url]
我也是这么想,可是文章里面写的是take-home pay。所以可能真的就像前面MM说的那样,fidelity写这篇文章的目的就是刺激大家攒钱给他家投资:-)不过我还是很好奇有多少华人可以真的做到只花一半税后工资.......
初始化编辑器...

到底了