精通六位数的财务

达到六位数并非易事. If you’re one of the hard-working few who have made it to this milestone, 给自己点鼓励，庆祝一下. It can be tempting to feel like now that you've made it to the top of this mountain your financial worries are over. But before you go reaching for a bottle of champagne or calling a Ferrari dealer, consider this: the majority of Americans living paycheck to paycheck are from higher income households. In fact, out of 9 million Americans surveyed, 8 million of those are in higher income brackets.¹

Now it's more important than ever to take an active role in managing your money. Don't equate earning six-figures with the ability to spend six-figures. Fortunately, there are several strategies that may help:

采取的步骤

There is no one-size-fits-all strategy for maximizing your new six-figure income. Every person is different, and some suggestions may mean more to you than others. But there are tried-and-true methods that can help point you in the right direction when it comes to your financial health.

回顾你的预算

Now that you are making six figures, you may be tempted to never look at your budget again. Resist this temptation and go back over your budget to make sure your spending is based on your overall approach. Feel free to adjust your line items to match any new priorities without going overboard. Careful preparation may help you know how much you can consider spending on that splurge item that you found online. Your renewed budget should be designed to follow your other new goals, knowing that your day-to-day matters are on firm footing.²

目标是非生产性债务

Not all debt is bad, as much of it helps you both financially and in terms of your quality of life. 但是某些类型的债务, 比如信用卡和个人贷款, 也许是你想更好地管理的东西. Set a goal for your unproductive debt, which may put you in a better overall financial position. Each penny you save can go toward other goals, such as vacations, travel or even retirement.

建立应急基金

生活充满了意想不到的事情. Prepare by setting aside enough liquid money to cover three to six months of expenses. This reserve may help you manage through a job loss or an injury or illness that requires time to heal.

别忘了税收

Now that you’ve entered a new income bracket, your tax obligations may have changed. Take time to review your tax situation in an effort to avoid year-end surprises. This article is for informational purposes only and is not a replacement for real-life advice, 所以一定要咨询税务员, 会计, or human resource professional before modifying your tax-withholding strategy.

不要忘记你的退休计划

如果你还没有开始为退休做计划, your new income level may allow you to start setting aside money using a company-sponsored retirement plan. 最初, a financial professional may be able to provide guidance concerning the role a retirement plan can play in your overall financial strategy.

自信地前进

调整预算, 管理债务, 建立应急基金, and beginning to consider retirement may help ensure a more comfortable financial future. 即使有六位数的收入, proactive preparations can help position you such that your money will eventually work for you.

1. Pymnts.com, 2023年1月
2. 《手机赌博软件下载》.2022年3月29日

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