2020.12 六级第一套 Passage One
To achieve financial security, how much you save is always more important than the amount you earn or how shrewdly you invest.
If you're under 30 years old, your goal should be to save 20% of your monthly income after tax deductions. This is irrespective of how much you earn.
Approximately 50% should be reserved for essentials like food and accommodation.The remaining 30% is for recreation and entertainment.
But for many young people, it will be difficult to designate such a large proportion of their income for savings.
If you find it hard to save any money at all, start by cutting all unnecessary spending, allocate the tiny amount of one or 2% for savings and gradually increase that amount.
Always keep that 20% goal in mind, prevent yourself from becoming complacent. It can be challenging to stick to such a strict plan, but if you adopt the right mindset, you should be able to make it work for you.
So what should you be doing with the money that you are saving? Some must be kept easily accessible in case you need some cash in an emergency.
The largest proportion should be invested in retirement plans, either through your employer or privately. And you can keep some money for high risk, but potentially lucrative investments.
Dividends can be reinvested or use to purchase something you like. By following plan, you should hopefully be able to enjoy your life now and still be financially secure in the future.
Question 9: What are people under 30 advised to do, to achieve financial security?
Question 10: What should people do if they find it difficult to follow the speaker's advice on their financial plan?
Question 11: What does the speaker think is important for achieving financial security?
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