How much money should I have by this age?

到這個年齡我應該有多少錢？

How much do I need for a comfortable retirement?

我需要多少錢才能安享晚年？

These are questions I get asked all the time.

我經常被問到這些問題。

And so in this video, I wanted to cover the answer to each.

在這部影片中，我想逐一解答。

I'm all new now, some of these numbers might surprise you.

我現在是新手，有些數字可能會讓你大吃一驚。

They certainly surprised me when I first saw them.

當我第一次看到它們時，它們確實讓我大吃一驚。

But there is a little trick to fast track your progress, which I'll share later on in the video.

不過，有一個小竅門可以加快你的進度，我稍後會在影片中與大家分享。

Let's start with the decade of your 20s.

讓我們從 20 多歲這十年開始吧。

You might be fresh out of university with a mountain of student debt.

你可能剛從大學畢業，揹負著沉重的學生債務。

Maybe you've done an apprenticeship or a training program instead, and you likely have an entry-level paycheck.

也許你已經完成了學徒或培訓計劃，而且很可能有了一份入門級的薪水。

The average 20-year-old in the UK has less than £1,000 saved.

英國 20 歲的年輕人平均存款不到 1000 英鎊。

And in the US, that number is less than $1,800.

而在美國，這個數字還不到 1800 美元。

At this stage, it's not exactly about the dollar amount that you've got saved up, but actually about building the right financial habits that will pay off big time for the decades to come.

在這個階段，儲蓄的多少並不重要，重要的是養成正確的理財習慣，這樣才能在未來的幾十年裡獲得豐厚的回報。

So with that said, some of the key things to focus on in your 20s are, number one, get rid of any high interest rate debt.

是以，在 20 多歲時，需要重點關注的幾件事情是：第一，擺脫任何高利率債務。

Consumer debt, like credit cards, can very quickly spiral out of control, growing faster than your money would make in investments.

消費債務（如信用卡）很快就會失控，其增長速度會超過你的投資收益。

So if you have high interest rate debt, the best way to keep more of what you make in your pocket is to pay that off.

是以，如果您有高利率債務，最好的辦法就是還清這些債務，將更多的收入留在口袋裡。

Make that a priority.

將此作為優先事項。

Number two, track your spending.

第二，跟蹤你的支出。

Knowing where your money is going is the very first step to being able to save more of it.

要想節省更多的錢，首先要知道錢的去向。

So the simple act of doing this is going to put you further than most people in this age group.

是以，簡單地做這件事就能讓你比這個年齡段的大多數人走得更遠。

And number three, work towards saving up at least one month of your living expenses, and then once you've got that covered, then do number four.

第三，努力攢夠至少一個月的生活費，一旦攢夠了，再做第四件事。

And that is opening up a tax advantage investment account and invest even the smallest amount, $10 or equivalent.

那就是開立一個稅收優惠投資賬戶，投資哪怕是最小的金額，10 美元或等值的金額。

Even if you don't have that much in your 20s, it doesn't matter.

即使你在 20 多歲時沒有那麼多錢，也沒關係。

The reason you just want to get started is firstly, to start building financial habits into your identity from early on.

你之所以只想開始，首先是想從早期就開始培養自己的理財習慣。

And secondly, because you have time on your side, so even the smallest amount can start compounding.

其次，因為你有時間，所以即使是最小的金額也能開始複利。

You can get started by using the Trading212 link in my description and get a free share worth up to £100 just by depositing £1.

您可以使用我描述中的 Trading212 鏈接開始使用，只需存入 1 英鎊，即可免費獲得價值高達 100 英鎊的股票。

Moving into the 30s, hopefully by the age of 30, you have a bit more to your name than you did in your 20s.

進入 30 歲，希望到 30 歲時，你的名聲比 20 歲時更響亮一些。

The guideline, according to Fidelity, is to have one year of your salary saved up.

Fidelity 的指導原則是將一年的工資存起來。

So if your salary is £50,000 by age 30, you'd have £50,000 saved up.

是以，如果到 30 歲時你的工資是 50,000 英鎊，那麼你就會有 50,000 英鎊的積蓄。

So that amount includes the money sitting in your savings account, your retirement account, and or your investment account.

是以，這筆錢包括你的儲蓄賬戶、退休賬戶或投資賬戶中的錢。

Now, I don't want you to look at this guideline and feel bad or feel behind because that's not the point and I myself hadn't reached this guideline.

現在，我不想讓你們看到這個準則就感到難過或落後，因為這不是重點，我自己也沒有達到這個準則。

But what I do want to show you is where these guidelines are coming from, why they exist, and how they will translate into your retirement savings.

但我想告訴你的是，這些指導原則從何而來，為何存在，以及它們將如何轉化為你的退休儲蓄。

So according to the Bureau of Labour Statistics, the average annual salary for people in their 30s in the United States is around $50,000.

是以，根據美國勞工統計局（Bureau of Labour Statistics）的數據，美國 30 多歲人群的平均年薪約為 50,000 美元。

And in the UK, it's just under £40,000.

而在英國，這一數字還不到 4 萬英鎊。

So if someone in their 30s who is making £50,000 per year were to invest that £50,000 and then contribute an additional £500 per month from that point on, assuming an 8% average rate of return, they would have approximately £1.77 million saved up by the time that they reach 65.

是以，如果一個 30 多歲、年薪 5 萬英鎊的人將這 5 萬英鎊用於投資，然後從那時起每月額外繳款 500 英鎊，假設平均回報率為 8%，那麼到 65 歲時，他們將積攢約 177 萬英鎊。

That's pretty decent.

真不錯。

That's what the compounding growth for a 35-year period from age 30 to 65 looks like.

這就是從 30 歲到 65 歲這 35 年間的複利增長情況。

The three goals in this decade is number one, save a bigger percentage of your income.

這十年的三個目標是：第一，將收入的更大比例存起來。

Aim to save and invest at least 10% to 20% of your income every year.

爭取每年至少將收入的 10%至 20%用於儲蓄和投資。

Even more, if you can, your 20s is more about finding out what you want to do, exploring as many things as you can, focusing on building your career capital, so the skills and the credentials, and what you need to then in your 30s find out what has worked for you and then double down on that to make more money.

此外，如果可以的話，20 多歲時更多的是要找到自己想做的事情，儘可能多地探索，集中精力建立自己的職業資本，也就是技能和資歷，以及到 30 多歲時需要什麼，然後找到適合自己的工作，並在此基礎上加倍努力，賺更多的錢。

Number two, avoid lifestyle inflation.

第二，避免生活方式膨脹。

An easy trap in your 30s is to increase your spending in line with your income.

30 多歲時容易陷入的一個陷阱就是隨著收入的增加而增加支出。

Maybe this wasn't a thing in your early 20s because you didn't have much money to start with to spend.

也許在你 20 歲出頭的時候還沒有這種想法，因為你一開始並沒有多少錢可以花。

But in your 30s, you've really got to watch out for it.

但到了 30 多歲，你就真的要小心了。

Number three, work towards becoming debt-free except for your mortgage.

第三，努力實現除房貸外無負債。

This will free up more of your income to dedicate to investments and to retirement savings.

這樣可以騰出更多的收入用於投資和退休儲蓄。

By the way, if you do want to learn how to invest, then I have a completely free masterclass where I go into more detail about how to multiply your money by knowing the right things to invest in, the biggest mistake beginners make and how to avoid them, and how to set yourself up financially for a worry-free future.

順便說一下，如果你確實想學習如何投資，我有一個完全免費的大師班，在那裡我將更詳細地介紹如何通過了解正確的投資項目來實現資金倍增、初學者所犯的最大錯誤和如何避免這些錯誤，以及如何為自己的未來無憂無慮地做好財務準備。

It's completely free and the link is in the description.

它完全免費，鏈接就在說明中。

And then we move into the next decade, 40s.

然後我們進入下一個十年，40 年代。

So we've seen that the guideline is to have saved one year of your salary by age 30.

是以，我們看到，指導原則是在 30 歲之前存下一年的工資。

Then the aim is to save one more from 30 to 35 and then another from 35 to 40.

然後，目標是在 30 歲到 35 歲之間再存一個，然後在 35 歲到 40 歲之間再存一個。

So when I read that guideline, my first instinct was, okay, that's a lot of money.

是以，當我讀到這份指南時，我的第一反應是，好吧，這可是一大筆錢。

How many people will actually be able to do that?

有多少人能夠真正做到這一點？

But actually, the key point here is that the savings target is not just about the amount.

但實際上，問題的關鍵在於，節約目標並不僅僅是數額的問題。

It accounts for the compounding growth of the money that you've already saved as well.

它還考慮到了您已經存下的錢的複利增長。

So let's break that down.

讓我們來分析一下。

The goal is to save three years of your salary by 40.

目標是在 40 歲之前存下三年的工資。

Let's say your salary is $50,000.

假設你的工資是 5 萬美元。

The total target would be then three times $50,000, $150,000.

這樣，目標總額就是 50 000 美元的三倍，即 150 000 美元。

However, you've already saved one year of salary by age 30.

不過，到 30 歲時，你已經存下了一年的工資。

So this $50,000 will grow or will have grown to around $107,000.

是以，這 50,000 美元將增長或已經增長到約 107,000 美元。

So now the remaining amount you need to save from 30 to 40 is $150,000 minus $107,000, so $43,000.

是以，現在您從 30 歲到 40 歲需要儲蓄的剩餘金額是 150,000 美元減去 107,000 美元，即 43,000 美元。

Dividing that $43,000 over the 10 years from 30 to 40, that comes out to only needing to save about $360 per month, not the full $830 per month that you might have initially calculated.

將這 43,000 美元除以從 30 歲到 40 歲的 10 年，每月只需儲蓄約 360 美元，而不是您最初計算的每月 830 美元。

So the key point is that the compounding growth of your initial savings make a big difference in how much additional savings you need to hit the overall target.

是以，關鍵的一點是，初始儲蓄的複利增長對你需要增加多少儲蓄才能達到總體目標有很大的影響。

So the earlier you invest, the easier it is to then meet the rest of the guidelines.

是以，越早投資，就越容易達到其他準則的要求。

The three areas to focus in your 40s are, number one, start maxing out your retirement contributions.

40 多歲時需要重點關注的三個方面是：第一，開始最大限度地提高退休供款。

Aim to invest at least 15% of your gross income for your retirement.

爭取將總收入的至少 15%用於退休投資。

These are probably your best earning years in most cases.

在大多數情況下，這可能是你收入最好的幾年。

So save as much as you can both in your employer-sponsored retirement account as well as your own investment account.

是以，無論是在僱主資助的退休賬戶中，還是在自己的投資賬戶中，都要儘可能多地儲蓄。

Number two, be proactive in your tax planning.

第二，積極主動地進行稅務規劃。

Meet with a tax advisor who will help you maximize your deductions every year.

與稅務顧問會面，他們會幫助你每年最大限度地提高扣除額。

And number three, understand how you're going to prioritize your expenses.

第三，瞭解如何安排支出的優先次序。

If you find yourself taking care of your parents, consider their needs in the context of all of your other and your own financial priorities as well.

如果您發現自己需要照顧父母，請將他們的需求與您的其他需求以及您自己的財務優先事項結合起來考慮。

Home health care, assisted living is expensive and those costs need to be weighed against saving for your own retirement and for your children's savings and education as well.

家庭醫療保健和輔助生活費用昂貴，這些費用需要與您的退休儲蓄、子女儲蓄和教育費用相權衡。

So now is the time to factor in everything and how you'll make it work.

所以，現在是時候把一切因素都考慮進去，以及如何讓它發揮作用了。

Then as you approach your 50s, the savings goal becomes a bit more ambitious.

然後，當你接近 50 歲時，儲蓄目標就會變得更加雄心勃勃。

Experts generally recommend having six times your annual salary saved up by this age.

專家一般建議，到了這個年齡，要有六倍於年薪的積蓄。

For example, if your salary has been around 60,000 per year, the target would be to have 360,000 saved and invested by 50.

例如，如果您的年薪約為 60,000 美元，那麼目標是在 50 歲之前儲蓄和投資 360,000 美元。

I don't know how realistic this is.

我不知道這有多現實。

And looking at the history of the stock market and the average rate of return, it seems doable.

從股票市場的歷史和平均回報率來看，這似乎是可行的。

But if you're in your 50s and you're watching this, I'd love to hear from you.

但如果你 50 多歲了，正在看這個節目，我很想聽聽你的意見。

And I'm sure so would everyone else.

我相信其他人也會這麼想。

Let us know in the comments how realistic this is and what you would have done differently if you could go back in time and tell your 20 or 30 or 40-year-old self.

請在評論中告訴我們這有多現實，如果能回到過去，告訴 20 歲、30 歲或 40 歲的自己，你會採取哪些不同的做法。

Things you want to look at in this decade of your life include, number one, reassess your investment portfolio.

在人生的這十年裡，你需要關注的事情包括：第一，重新評估你的投資組合。

As you start approaching retirement, you want to begin thinking about wealth preservation, not just wealth accumulation.

當您開始接近退休時，您要開始考慮財富保值，而不僅僅是財富積累。

So it's recommended to make your investment portfolio less risky.

是以，建議降低投資組合的風險。

Consider investing in more stable investments like bonds to balance out some of the risks that you may have taken for your portfolio in the early decades.

考慮投資債券等更穩定的投資，以平衡您在最初幾十年可能為投資組合承擔的一些風險。

Number two, think about how you can turn your investments into a steady stream of income in retirement.

第二，考慮如何在退休後將投資轉化為穩定的收入來源。

This would be a good time to talk to an advisor who specializes in helping people turn their retirement assets into income.

這正是與專門幫助人們將退休資產轉化為收入的顧問交談的好時機。

They'll look at important financial factors such as whether you might outlive your retirement savings.

他們會考慮重要的財務因素，比如您的退休儲蓄是否會超過您的壽命。

They'll consider inflation, best and worst case scenarios, health expenses that you need to take into consideration, and a lot more.

他們會考慮通貨膨脹、最好和最壞的情況、您需要考慮的醫療費用等等。

Then we move into age 60 and beyond.

然後，我們進入 60 歲及以後。

By age 60, retirement hopefully is on the horizon.

到了 60 歲，退休生活有望到來。

You want to make sure you have now enough saved up to maintain your lifestyle.

你要確保你現在有足夠的積蓄來維持你的生活方式。

Ideally, the guideline is to have saved up at least eight times your annual salary.

理想的指導原則是至少積攢到年薪的八倍。

Some things to consider at this age.

這個年齡段需要考慮的一些事情

Number one, review your investments.

第一，審查你的投資。

Look at your risk tolerance to maintain the savings you've built and not suffer a big loss right at the beginning of your retirement.

考慮一下自己的風險承受能力，以保持已有的積蓄，不至於在退休之初就遭受重大損失。

Find out more on optimal ways to invest your retirement savings to make sure you don't outlive it.

瞭解更多投資退休儲蓄的最佳方式，確保您不會活得太長。

Number two, ensure you have a clear retirement plan.

第二，確保你有一個明確的退休計劃。

This includes understanding your expected income sources such as pensions, savings and investments and adjust your plans as necessary to meet your goals.

這包括瞭解您的預期收入來源，如養老金、儲蓄和投資，並根據需要調整您的計劃，以實現您的目標。

So you also want to be thinking about health expenses, how you're going to pass on any savings, investments, assets to your children and taking into account those plans as well.

是以，您還需要考慮醫療費用，如何將儲蓄、投資和資產傳給子女，並將這些計劃考慮在內。

So those are some very high-level guidelines for you to consider.

是以，這些都是供您考慮的一些非常高級的指導原則。

Before I close off, I do want to leave you with a final thought.

在結束髮言之前，我想給大家留下最後一個想法。

These numbers are all well and good.

這些數字都很好。

These guidelines are all well and good, but they tend to box everyone in into the same lifestyle which is really far from the reality and the situations or circumstances each of us have.

這些指導原則都很好，但它們往往會把每個人都框在同樣的生活方式中，而這與我們每個人的實際情況和處境確實相去甚遠。

An article by GoBankingRate actually found that most Americans have less than $1,000 in savings and almost 50% of those living in the UK have less than £1,000.

GoBankingRate 的一篇文章實際上發現，大多數美國人的儲蓄不足 1,000 美元，而生活在英國的人中有近 50%的人儲蓄不足 1,000 英鎊。

This massively contrasts with the guidelines and the numbers that I've said earlier in the video.

這與我之前在影片中提到的指導方針和數字形成了巨大反差。

So even if you have more than that saved up at this point, that is you doing better than most people.

是以，即使你目前的存款超過了這個數字，那也是你比大多數人做得更好。

At the end of the day, these guidelines and these videos are great to get knowledge and education from and then you want to tweak it and apply it to your situation.

歸根結底，這些指南和影片非常適合用來獲取知識和教育，然後再根據自己的情況加以調整和應用。

Thank you for watching.

感謝您的收看。

If you like this video, you may also enjoy this video right here which explains in more detail how compounding works and how the first £100,000 is the most important when it comes to your savings.

如果您喜歡這部影片，您可能也會喜歡這部影片，它更詳細地解釋了複利計算的原理，以及前 10 萬英鎊對你的儲蓄是多麼重要。

Thank you so much for watching and see you there.

感謝您的收看。