Name: 如何為潛在的經濟衰退做好財務準備？ (How to prepare your finances for a potential recession)
Uploaded: 2025-04-07T21:01:10.000Z
Duration: 5 min 9 s

形容詞最高級

Some of the biggest firms on Wall Street are raising their expectations of a recession in the next 12 months.

華爾街一些最大的公司正在提高對未來 12 個月經濟衰退的預期。

to 不定詞

While it's far from certain that it's in the cards, we are bringing you some steps you can take today to prepare just in case.

雖然現在還不能確定是否會發生這種情況，但我們今天就為您介紹一些可以採取的措施，以防萬一。

Joining me is Jean Chatzky, CEO of HerMoney.com and host of the podcast HerMoney with Jean Chatzky.

現在加入我的是 Jean Chatzky，HerMoney.com 的 CEO，也是播客 HerMoney with Jean Chatzky 的主持人。

And Jean, we should say here, a lot of these folks are not predicting a recession.

Jean，我們應該說，很多人並沒有預測經濟衰退。

They're just raising the chances that it could happen.

他們只是在增加發生這種情況的機率。

Most of them are predicting a slowdown from the growth where we are right now.

他們中的大多數人都預測，目前的增長速度將放緩。

What signs that could signal a slowdown or even a recession is coming?

哪些跡象可能預示著經濟放緩甚至衰退即將到來？

Unemployment is likely to start ticking up if there is a recession.

如果出現經濟衰退，失業率可能會開始上升。

We're starting to see declining consumer confidence already.

我們已經開始看到消費者信心的下降。

If we see a slowdown in consumer spending, that can be another sign that we are headed into recession.

如果我們看到消費支出放緩，這可能是我們走向衰退的另一個信號。

But the tricky part about a recession is that we could be in one already and not know it simply because the data lags.

但經濟衰退的棘手之處在於，我們可能已經陷入衰退而不自知，原因很簡單，因為數據滯後。

And so for individual investors, the thing to keep an eye on is your own finances.

對於個人投資者來說，需要關注的是自己的財務狀況。

You want to focus on controlling the things that you can control, making sure that your job is shored up as much as possible.

你要集中精力控制你能控制的事情，確保你的工作得到儘可能多的支持。

And if you feel it's tenuous, making sure that you are taking steps right now in terms of brushing up your LinkedIn, brushing up your resume.

如果你覺得它很脆弱，確保你現在就採取措施，刷新你的 LinkedIn，刷新你的履歷。

You want to make sure that you're keeping a little bit of extra powder dry in terms of savings in case you need it in an emergency.

你要確保在儲蓄方面多留一點火藥，以備不時之需。

You're not going to be able to control the roller coaster markets, but you are going to be able to keep a lid on your own wallet, at least to some degree.

你無法控制雲霄飛車式的市場，但至少在某種程度上，你可以控制住自己的錢包。

And speaking of controlling things you can control, Jean, it's a good reminder what you were saying about your LinkedIn.

說到控制你能控制的事情，Jean，你剛才說的關於你的 LinkedIn 的事情給了我很好的提醒。

Also, the job market is not necessarily weak right now, but it's not at the height it was a couple of years ago.

另外，現在的就業市場不一定很弱，但也沒有達到幾年前的高度。

So if someone's preparing to leave a job voluntarily, they should probably have another one lined up.

如果有人準備主動離職，他們或許應該準備好另一份工作。

I mean, we stop and think, oh my gosh, a recession, I'm never going to be able to get a job.

我是說，我們會停下來想，天哪，經濟衰退，我再也找不到工作了。

It just happens a little more slowly in a recession, which means it may take you a little bit longer to get that next job.

只是在經濟衰退時，這種情況會發生得更慢一些，這意味著你可能需要更長的時間才能找到下一份工作。

And so, Julie, exactly what you're saying is what I would say.

所以，Julie，你說的正是我想說的。

Don't quit the job until you've got the next one lined up.

在找到下一份工作之前，不要放棄這份工作。

How else can people sort of prepare their budgets if there is going to be a slowdown?

如果經濟放緩，人們還能如何編制預算？

It's always important to keep an eye on what's coming in, what's going out, and where it's going.

時刻關注進來的東西、出去的東西以及它們的去向是非常重要的。

And that basically means tracking your spending.

這基本上就意味著要追蹤你的支出。

You've got a lot of control, more than you would think, about where your money is going.

對於資金的去向，你有很大的控制權，比你想象的還要大。

The problem is that many people simply don't pay attention, and that means that they're not saving as much as they possibly could.

問題是，很多人根本沒有注意到這一點，這意味著他們沒有儘可能多地儲蓄。

Cancel the subscriptions that you're not using.

Try to keep a lid on your takeout budget.

Food is always the surprise when people look at their budgets.

當人們查看自己的預算時，食品總是讓人大吃一驚。

And then make sure that you're putting your money to work for you in a savings account that actually gives you something for the fact that it's holding on to your money.

然後確保你把錢存入一個儲蓄帳戶，讓它為你賺錢。

You put some money in a plain vanilla savings account at a bank, you're going to get an average interest rate of 0.4%.

你把錢存入銀行的普通儲蓄帳戶，平均利率為 0.4%。

Put it into a high-yield savings account, and you're going to get seven times that.

把這筆錢存入高收益儲蓄帳戶，你將獲得七倍的收益。

Barclays is rolling out a program for AARP members, for example, where AARP members with no minimums can know that they're going to get the highest rate that Barclays is offering on a high-yield savings account with FDIC protection.

例如，巴克萊銀行正在推出一項針對美國退休人員協會（AARP）會員的計劃，沒有最低限額的美國退休人員協會會員可以知道，他們將獲得巴克萊銀行提供的具有 FDIC 保護的高收益儲蓄帳戶的最高利率。

They're doing the same for a number of CDs.

他們正在為一些 CD 做同樣的工作。

So it's really just a matter of smart shopping.

這其實只是一個精明購物的問題。

And if you're looking for information on that particular program, you can find it at aarpdigitalbanking.com.

如果你想了解有關該計劃的資訊，請訪問 aarpdigitalbanking.com。

And then finally, what are some mistakes that people should try to avoid with their money if things are going to be slowing down?

最後，如果經濟增長放緩，人們在理財方面應儘量避免哪些錯誤？

You want to keep a lid on that credit card debt.

We are seeing credit card debt and other consumer debt rising pretty quickly.

我們看到信用卡債務和其他消費債務正在迅速增加。

And with interest rate on credit cards still in the high 20% range, that's very, very expensive debt to be carrying right now.

由於信用卡利率仍處於 20% 的高位，目前背負的債務非常非常昂貴。

So it really all comes back to those basics.

一切都要回歸到這些基本原理上來。

The other thing that you want to make sure that you're not doing is behaving emotionally.

你要確保自己沒有情緒化的行為。

That's true when it comes to impulse spending, but it's also true when it comes to how you're managing your portfolio in the market.

在衝動消費時是這樣，但在市場中如何管理自己的投資組合時也是如此。

Just keep contributing to your 401ks and other accounts as you get paid every single time.

在每次領到薪水後，繼續向 401 和其他帳戶繳款即可。