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  • Everyone's heard of the tired old adage of paying yourself first.

    每個人都聽說過這句老掉牙的格言:先支付給自己。

  • But that saying lacks a lot of useful details.

    但這句話缺乏很多有用的細節。

  • How do you actually pay yourself first?

    你到底要如何先支付給自己?

  • So today, I'll lead you through some changes you can make to improve your saving strategy.

    所以今天,我就帶大家來瞭解一下你可以做出哪些改變,以改善你的儲蓄策略。

  • First and foremost, you should focus on only one goal at a time.

    首先,你應該一次只專注在一個目標上。

  • Typically, we think about having multiple savings goals for multiple things.

    一般來說,我們會考慮為多件事情制定多個儲蓄目標。

  • We have an emergency savings fund, a vacation fund, a wedding fund, a car fund...

    我們有一個緊急儲蓄基金、度假基金、婚禮基金、買車基金……

  • But one great study compared people's savings progress when they had one savings goal compared to five savings goals.

    但有一項偉大的研究比較了人們有一個儲蓄目標和五個儲蓄目標時的儲蓄進度。

  • And it turns out that when participants had just one savings goal, they saved more than when they had five.

    而結果表明,比起有五個儲蓄目標,參與者在只有一個儲蓄目標時存的錢更多。

  • The research showed that if you made progress in just one of your savings accounts, you'd think you've made progress across all of them.

    研究表明,如果你的其中一個儲蓄賬戶存到了錢,你會認為你所有的儲蓄賬戶都有存到錢。

  • Like multitasking at work, splitting your attention across multiple savings goals just isn't efficient.

    就像在工作時同時處理多件事一樣,把注意力分散在幾個儲蓄目標上只會降低效率。

  • Now, that's not to say that this will be your only savings goal;

    這並不是說這將是你唯一的儲蓄目標。

  • you'll have many more throughout your life.

    你的一生中還會有其他很多的儲蓄目標。

  • But I want you to think about the one thing that you want to focus on over the next six months to a year.

    但我要你想想看,在未來六個月到一年的時間裡,你想專注的一件事。

  • Start with your emergency savings fund, even if it's 500 dollars or 600 dollars, the average cost of a car repair, and then go from there.

    先從你的應急儲蓄基金開始,哪怕只是 500 元或 600 元,修車的平均費用,然後再從那裡開始。

  • Now that you have a primary savings goal in mind, let's focus on helping you increase the amount that you save.

    現在你的腦中已經有了一個主要的儲蓄目標,讓我們專注在如何增加你的儲蓄金額。

  • Your main savings strategy should be to switch from having to remember to save a small amount every month to saving a percentage of your income automatically, any time you receive income.

    你的主要儲蓄策略應該要從每個月都要記得存一小筆錢的做法,轉變為自動保存一定比例的收入,無論你是在什麼時候收到收入。

  • Now, some people advise saving 10, 15 or 20 percent of your income, but that's not important.

    有些人會建議把收入的 10%、15% 或 20% 存起來,但這其實並不重要。

  • You know your financial situation.

    你清楚自己的財務狀況。

  • You know how much you can manage to save.

    你知道自己能省多少錢。

  • The real trick is to find a provider that lets you set up an automatic savings plan and not to have to think about it ever again.

    真正的訣竅是找到一個金融服務提供者,可以讓你設置一個自動儲蓄計劃,並且從此之後再也不必去想這件事。

  • The "set it and forget it" approach is shown to help you save more.

    「定了就忘」這個做法可以幫助你節省更多。

  • Researchers believe that passive systems like this are successful, because they work with our tendency towards inertia.

    研究人員相信這樣的被動系統是可以取得成功的,因為這很符合我們偷懶的習慣。

  • You don't have to manually initiate each subsequent transfer,

    你不需要手動處理每個後續的轉賬,

  • and you won't be tempted to hold back a bit every time you make a savings transfer.

    而且你也不會每次在轉賬時,都有股要少轉一點錢的衝動。

  • I want you to take the time right now to find a provider.

    我希望你現在就花時間去找一個金融服務提供者。

  • Go to your app store, download the app and set up your automatic savings plan.

    去你的應用商店,下載應用並設置你的自動儲蓄計劃。

  • If you make these two small changes:

    如果你做了這兩個小改變:

  • focus on just one savings goal at a time and automate your savings,

    一次只專注於一個儲蓄目標,還有使用自動化儲蓄,

  • you should find success, even if you don't think you're saving that much money.

    你應該會取得成功,即使在這過程中你並不覺得自己存了那麼多錢。

  • And it's easier than it may seem.

    而且這比看起來要容易得多。

  • So there you have it.

    所以就是這樣。

  • We have demystified the old adage of paying yourself first.

    我們把「先支付給自己」這個格言解釋得更清楚了。

Everyone's heard of the tired old adage of paying yourself first.

每個人都聽說過這句老掉牙的格言:先支付給自己。

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