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  • My name is Melissa Herlitz.

    我是 Melissa Herlitz。

  • I am a city planner, and I make $62,000 a year.

    我是名城市規劃師,我的年薪是 62,000 美元。

  • My personality is to worry about everything,

    我的個性是會擔心所有事,

  • so money is one of them, of course,

    錢這方面當然也是其中之一,

  • but in general, I think my husband and I manage our finances very well.

    但一般來說,我覺得我的丈夫跟我都把財務管理得很好。

  • We lead a comfortable life.

    我們過著蠻舒適的生活。

  • We get to enjoy the things that we want to.

    我們可以享受我們想要的事物。

  • We get to go out to dinner, go on vacation,

    我們想要在外面吃晚餐、去度假、

  • visit our family, so I don't think that we're wanting for much.

    拜訪我們的親戚,所以我覺得我們想要的不多。

  • When my husband and I first moved to New York City,

    當我跟我的丈夫剛搬到紐約市時,

  • my salary was quite a bit lower than it is now.

    我的薪水比現在低一些。

  • I was making about $50,000 a year,

    我當時年薪在 50,000 美元,

  • so we picked what we thought was a more affordable place in Queens,

    所以我們在皇后區找了一個我們認為負擔得起的住所,

  • about $1,800 a month for a one-bedroom apartment.

    單臥房公寓大約一個月 1,800 美元。

  • As my salary increased and as his salary increased,

    當我的薪水上升,以及當他薪水增加時,

  • we were itching to move to a new neighborhood to live closer in so that we...

    我們很想要搬新家,想要住得近一點,這樣我們 ...

  • We wanted to not have to commute via subway every day,

    我們想要住在不用每天坐地鐵通勤的地方,

  • so we looked toward moving to Manhattan.

    所以我們想要搬到曼哈頓。

  • Living in Manhattan wouldn't have been possible under the initial salary that we were hired on when we moved to New York City.

    以當初我們剛搬來紐約市時被雇用的最初薪資來說,要住在曼哈頓是不可能的。

  • That's only possible because our salaries have grown over the last 3 and half years.

    因為我們在最後三年半的薪資有成長,才有可能住在這。

  • Also, living in a neighborhood that you like that has a lot of fun amenities

    還有,住在一個你喜歡的鄰里,那裏有許多有趣的便利設施,

  • means that you're tempted by those amenities, those restaurants,

    代表你會被些便利設施引誘,那些餐廳、

  • those places to shop, get ice cream, get coffee.

    購物場所、吃冰的地方、喝咖啡的地方。

  • I think we spend a lot more doing things outside of the house than we did before,

    我覺得我們比以前花更多時間在戶外,

  • partly because there's a lot nearby but also because our apartment's really small,

    一部分是因為那些場所都很近,還有部分也是因為我們的公寓真的很小,

  • and we don't like spending a lot of time in our apartment.

    我們不喜歡老是待在公寓裡。

  • When we meet up with friends, we don't host them.

    當我們要跟朋友聚會,我們不會在家招待他們。

  • We used to do that when we lived in Virginia and in Queens,

    當我們住在維吉尼亞州、住在皇后區的時候我們會這麼做,

  • and now, we go out to dinner with friends,

    現在我們會跟朋友一起外出用餐,

  • so those are things that I don't think about regularly

    那些事我不會經常想到,

  • but are definitely a factor of my increased salary.

    但肯定是我的薪水上升的原因之一。

  • My husband and I have always made decisions together really easily,

    我丈夫跟我總是一起做決定,

  • so it made sense when we got married to combine our income into one bank account rather than keep it separate.

    所以當我們結婚時,我們理所當然地把收入合併進同一個帳戶,而非各自分開。

  • We actually found that when we were dating it was really challenging to keep separate accounts,

    其實我們發現,當我們在約會的時候,使用各自的帳戶是件不容易的事,

  • and the reason was we were always trying to figure out

    原因是我們要一直計算出

  • what percentage we each contributed toward a certain thing

    在某一個事物上我們各自要負擔多少百分比,

  • depending on how much our respective incomes were

    這比例取決於我們各自的收入,

  • to make sure it was fair, you know,

    以確保這樣分配是公平的,

  • so I have always actually made less than my husband,

    所以我實際上總是負擔得比我丈夫少,

  • so it would be 40% of my paycheck toward rent

    所以會變成以我的薪水來說,我在租金上負擔 40%,

  • and then 40% toward this and that,

    然後這個東西 40% ,那個東西 40%,

  • and it actually seems like more work to keep our finances in separate bank accounts for our purposes,

    為了用各自的帳戶管理我們的財務,其實似乎會有更多工作要做,

  • and we knew that we trusted each other to make certain decisions

    而我們都知道我們相信對方做的決定,

  • or to spend as we wished and talk about it later,

    或是依照我們想的花這筆錢,然後我們會再討論,

  • so we were able to work through those kinds of issues really well.

    所以我們能在那樣的問題上處理得很好。

  • Of course, that still comes up regularly, like,

    當然,定期還是會有些爭執,像是

  • "I can't believe you just spent $150 to buy new clothes,"

    「你剛剛花了 150 美元買新衣服,真是難以置信。」

  • or something like that,

    或是這類的事,

  • so those are conversations that we will always continually have,

    那些是我們一直持續存在的對話,

  • but it's really so much easier to have our incomes combined to one bank account

    但將我們的收入合併進一個銀行帳戶裡,

  • to just pay all of our expenses directly from that rather than doing the math every month.

    用這個銀行帳戶來繳交我們的開支比每個月算數學要簡單的多。

  • My husband tends to be more interested in the numbers and the Excel sheets,

    我丈夫比較喜歡用數字跟試算表來管理財務,

  • and so he actually has an Excel sheet that allows him to project out in the future

    所以他其實有一份試算表讓他可以計劃

  • how much will be in our bank account after X, Y and Z bill comes through,

    未來付完 X、Y、Z 帳單後,我們的帳戶還剩多少錢,

  • and he enjoys knowing that to make sure there's enough money in our account to cover certain debit payments.

    他喜歡確保有足夠的錢在帳戶哩,好支付某些款項。

  • I don't think that's how I would manage the money if I was living alone,

    如果我自己住,我覺得我不會這樣管理財務,

  • but it's really great, and it works for both of us.

    但這樣蠻好的,而且對我們兩個都有用。

  • My husband and I talk about how our spending is going,

    我跟我的丈夫會討論我們的花費在哪,

  • not every day but at least every week.

    不是每天,但至少每周都會討論。

  • We kind of check in, and I think we both have a sense, whether or not we look at the Excel sheet, how we're doing.

    我們會紀錄,而且我覺得不論我們是不是看著試算表,我們都知道自己在做甚麼。

  • We know, for example, we just got back from a trip.

    我們知道,舉例來說,我們剛旅遊回來。

  • We went out to eat.

    我們去外面吃飯。

  • We took our friends out.

    我們跟朋友一起出去。

  • We did a lot of fun things that, you know,

    我們做了很多有趣的事,

  • this month we'll have to be a little lighter on our spending while we're in the city.

    這個月我們在城市的生活開支就必須要減少一點。

  • We both want to retire at a reasonable age,

    我們都想要在適當的年紀退休,

  • so I think that drives a lot of our decisions,

    我覺得那樣的想法驅使我們做出很多決定,

  • and doing things like taking out contributions toward retirement in a pre tax system

    像在稅前提出退休供款,

  • rather than waiting to make that decision after you get your paycheck,

    而不是等到領薪水後才做這個決定,

  • that helps me forget about that money.

    那會幫我遺忘這筆錢。

  • I pretend that that money doesn't even exist when it goes toward our retirement account.

    當這筆錢進到退休帳戶時,我假裝這筆錢根本不存在。

  • Right now, my husband and I have about $100,000 in retirement combined.

    現在,我跟我丈夫兩人合計約有 100,000 美元在退休帳戶裡。

  • Our goal is to put as much into that account early on in our careers

    我們的目標是在職涯初期盡可能存多一點錢進退休帳戶,

  • and maybe slow that down over time.

    然後隨著時間過去,或許可以慢慢減少。

  • My old job, I worked for the University of Virginia,

    我之前的工作,在維吉尼亞大學工作時,

  • and they matched my retirement contributions,

    他們的薪資名目符合我的退休供款,

  • and I felt that my retirement account grew a lot bigger more quickly when I was working at the University of Virginia

    我覺得當我在維吉尼亞大學工作時,退休帳戶數字成長速度有比較快一點,

  • because of that supplementary investment on behalf of the university.

    因為有大學名義的額外投入。

  • At my current job, the city does not contribute toward my retirement account.

    在我現在的工作,市政府不會提出供款到我的帳戶。

  • All the money that goes into my 401(K) is taken directly from my paycheck.

    所有進入我的 401(K) 帳戶的錢都是直接從我的薪水扣款。(401(K) 為美國退休福利計畫,相關規定明訂在國稅法第 401(K) 條中,故簡稱為 401(K) 計畫。)

  • I think in the future, you know,

    我想在未來,

  • of course, I want a job that I enjoy,

    當然,我想要一份喜歡的工作,

  • hopefully working on climate change,

    希望是在氣候變遷領域上工作,

  • hopefully working as a city planner,

    希望能當城市規劃師,

  • but another thing I would consider moving forward is

    但另一件我會考慮得更多的是,

  • does the employer contribute to your retirement account

    雇主是否會提出供款到你的退休帳戶,

  • because that can make a world of a difference.

    因為這會使得一切都不一樣。

  • I would like to start focusing more on saving for a down payment for a house.

    我會想要開始為房子的頭期款存錢。

  • I think it would be really great to have that investment secured

    我想那樣有保障的投資是很好的,

  • so that worrying about rent every month doesn't kind of hang over our heads,

    這樣我們不用每個月煩惱資金的事,

  • and instead of saying goodbye to $2,400 a month,

    而且我們不用每個月將 2,400 美元丟進水裡,

  • we're reinvesting that back in ourselves,

    這是對我們自己的再投資,

  • and I think that will pay off in the long term when we think about retirement, as well.

    還有當我們想到退休這件事時,長期來看買房子會是很值得的。

  • We also have a small savings set aside for both of our nieces.

    我們也為了我們的姪女留了一些積蓄。

  • We try to contribute semi-regularly to that fund, so that's not a fund for us,

    我們定期存錢進這個基金,那不是為我們而設的基金,

  • but I think I'm hopeful that we can do for our nieces what my grandparents did for me,

    但我希望我們可以為我們的姪女做這件事,就像我的祖父母為我做的一樣。

  • and maybe there will be a little bit of money for them to go to college

    或許可以有一些錢讓她們讀大學,

  • or for them to have a down payment in the future,

    或是讓她們在未來有頭期款可用,

  • so I'm hopeful that we can keep contributing to that, as well.

    所以我也很希望我們可以繼續存錢進去。

My name is Melissa Herlitz.

我是 Melissa Herlitz。

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城市規劃師|我的預算與未來規劃|第三部分|可汗學院 (City Planner | My budget & planning for the future | Part 3 | Khan Academy)

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    Boyeee 發佈於 2021 年 01 月 14 日
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