9点投资计划

Money = Income + investments

金钱=收入+投资

Investments = (See my 9-point investment plan below that has been endorsed by economists.)

投资=9点投资计划

Scott's 9-Point Investment Plan

Do these steps in the order shown…

1. Make a will

建立愿望

2. Pay off your credit cards

付清信用卡账单

3. Get term life insurance if you have a family to support

如果你支撑家庭，买一份寿险

4. Fund your 401k to the maximum

投资401K到最大值

5. Fund your IRA to the maximum

投资IRA到最大值（401k和IRA是美国的养老保险计划）

6. Buy a house if you want to live in a house and can afford it

如果能够负担，买一栋房子

7. Put six months worth of expenses in a money-market account

把6个月的生活费投入货币市场帐户

8. Take whatever money is left over and invest 70% in a stock index fund and 30% in a bond fund through any discount broker and never touch it until retirement

把剩下的70%投入股票指数基金，30%投入债券基金并且在退休前不要碰它们

9. If any of this confuses you, or you have something special going on (retirement, college planning, tax issues), hire a fee-based financial planner, not one who charges a percentage of your portfolio

如果你需要帮助，雇用一个付费的，而不是根据你的投资额收佣金的顾问