{"id":25849,"date":"2016-10-25T12:15:32","date_gmt":"2016-10-25T16:15:32","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/"},"modified":"2025-08-09T15:17:28","modified_gmt":"2025-08-09T15:17:28","slug":"4-money-lessons-rapper-dee-1","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/","title":{"rendered":"\u6765\u81ea\u8bf4\u5531\u6b4c\u624bDee-1\u76844\u4e2a\u91d1\u94b1\u8bfe\u7a0b"},"content":{"rendered":"

\u5982\u679c\u4f60\u8fd8\u6ca1\u6709\u770b\u8fc7\u8bf4\u5531\u6b4c\u624bDee-1\u6700\u8fd1\u7684\u97f3\u4e50\u89c6\u9891\u300aSallie Mae Back\u300b\uff0c\u8bf7\u67e5\u627e\u4e00\u4e0b<\/a>\u3002MPOWER\u7684\u56e2\u961f\u975e\u5e38\u559c\u6b22\u770b\u5b83 – \u6211\u4eec\u8ba4\u8bc6\u5230\u6446\u8131\u6325\u4e4b\u4e0d\u53bb\u7684\u5927\u5b66\u8d39\u7528\u53ef\u80fd\u4f1a\u5f88\u5177\u6311\u6218\u6027\u3002\u5728Sallie Mae Back\u4e2d\uff0cDee-1\u7528\u4e00\u4e9b\u51fa\u8272\u7684\u6b4c\u8bcd\u76f4\u9762\u52a9\u5b66\u91d1<\/a>\u507f\u8fd8\u548c\u6210\u4e3a\u65e0\u503a\u4e00\u8eab\u7684\u6311\u6218\u3002\u7531NerdWallet\u63d0\u4f9b\uff0c\u6211\u4eec\u5f88\u9ad8\u5174\u80fd\u5206\u4eabDee-1\u5173\u4e8e\u8d22\u52a1\u660e\u667a\u7684\u5176\u4ed6\u6709\u7528\u63d0\u793a\u3002<\/p>\n

\n

\u5927\u591a\u6570\u97f3\u4e50\u5bb6\u7ed9\u51fa\u7684\u8d22\u52a1\u5efa\u8bae\u90fd\u5f88\u7cdf\u7cd5\u3002\u65e0\u8bba\u662fMadonna\u7684\u201cMaterial Girl\u201d\u8fd8\u662fPuff Daddy\u7684\u201cIt\u2019s All About the Benjamins\u201d\uff0c\u8bb8\u591a\u4eba\u90fd\u7ed9\u4eba\u7559\u4e0b\u4e86\u73b0\u91d1\u662f\u7528\u6765\u70ab\u8000\uff0c\u800c\u4e0d\u662f\u5b58\u50a8\u7684\u5370\u8c61\u3002
\n\u6240\u4ee5\uff0c\u5f53\u65b0\u5965\u5c14\u826f\u7684\u8bf4\u5531\u6b4c\u624bDee-1\u53d1\u5e03\u4e86\u4e00\u9996\u5173\u4e8e\u507f\u8fd8\u4ed6\u7684\u52a9\u5b66\u91d1\u7684\u97f3\u4e50\u89c6\u9891\u65f6\uff0c\u5b83\u5f15\u8d77\u4e86\u5173\u6ce8\u3002\u652f\u4ed8\u201cSallie Mae Back\u201d<\/a>\uff0c\u6b63\u5982\u6b4c\u66f2\u7684\u6807\u9898\uff0c\u5bf9\u4e8e\u5927\u7ea64300\u4e07\u62e5\u6709\u52a9\u5b66\u91d1\u503a\u52a1\u7684\u7f8e\u56fd\u4eba\u6765\u8bf4\uff0c\u662f\u4e00\u4e2a\u503c\u5f97\u8ffd\u6c42\u7684\u76ee\u6807\u3002\u8fd9\u4f4d\u4e2d\u5b66\u6559\u5e08\u8f6c\u884c\u6210\u4e3a\u8bf4\u5531\u6b4c\u624b\uff0c\u4e0e\u5ba1\u8ba1\u3001\u7a0e\u52a1\u548c\u54a8\u8be2\u516c\u53f8\u666e\u534e\u6c38\u9053\u5408\u4f5c\uff0c\u5e2e\u52a9\u5168\u56fd\u7684\u5b66\u751f\u63d0\u9ad8\u8d22\u52a1\u7d20\u517b\u3002<\/p>\n

NerdWallet\u5411Dee-1\u8be2\u95ee\u4e86\u4ed6\u7684\u4e00\u4e9b\u6700\u4f73\u91d1\u94b1\u5efa\u8bae\u3002\u4ee5\u4e0b\u662f\u4ed6\u7684\u56de\u7b54\u3002<\/p>\n

\n

1. \u62e5\u6709\u7d27\u6025\u73b0\u91d1\u50a8\u5907<\/span><\/h4>\n

\u6839\u636eAAA 2016\u5e74\u7684\u62a5\u544a\uff0c\u9a7e\u9a76\u548c\u7ef4\u62a4\u5e73\u5747\u8f7f\u8f66\u6bcf\u5e74\u9700\u89818,558\u7f8e\u5143\u3002\u5982\u679c\u4f60\u4f4f\u5728\u6709\u901a\u52e4\u66ff\u4ee3\u65b9\u6848\u7684\u57ce\u5e02\uff0c\u53ef\u4ee5\u8003\u8651\u901a\u8fc7\u4f7f\u7528\u516c\u5171\u4ea4\u901a\u6216\u9a91\u81ea\u884c\u8f66\u6765\u8282\u7701\u94b1\u3002\u5982\u679c\u4f60\u4f4f\u7684\u5730\u65b9\u5fc5\u987b\u8981\u6709\u8f66\uff0c\u8d2d\u4e70\u4e00\u8f86\u4e8c\u624b\u8f66<\/a>\u3002\u67e5\u770b\u6d88\u8d39\u8005\u62a5\u544a<\/a>\u5217\u51fa\u7684\u6700\u53ef\u9760\u7684\u4e8c\u624b\u8f66\u9009\u9879\uff0c\u4ef7\u683c\u4f4e\u4e8e25,000\u7f8e\u5143\u3002<\/p>\n

2. \u660e\u667a\u5730\u501f\u6b3e<\/span><\/h4>\n

Augustine\u6210\u4e3a\u65e0\u503a\u4e00\u8eab\u7684\u9053\u8def\u5e76\u4e0d\u5bb9\u6613\u3002\u4ed6\u8fdd\u7ea6<\/a>\u4e86\u4ed6\u7684\u52a9\u5b66\u91d1\uff0c\u5982\u4ed6\u5728\u6b4c\u66f2\u4e2d\u63cf\u8ff0\u7684\u90a3\u6837\uff0c\u73b7\u6c61\u4e86\u4ed6\u7684\u4fe1\u7528\u8bc4\u5206\u3002\u4ed6\u4e0ePwC\u7684\u5408\u4f5c\u7684\u4e00\u90e8\u5206\u5305\u62ec\u8bbf\u95ee\u9ad8\u4e2d\u8bfe\u5802\uff0c\u5206\u4eab\u4ed6\u6240\u5b66\u5230\u7684\u4e1c\u897f\u3002<\/p>\n

\u201c\u6211\u5e76\u6ca1\u6709\u544a\u8bc9\u4ed6\u4eec\u6211\u5728\u8131\u8863\u821e\u4ff1\u4e50\u90e8\u662f\u5982\u4f55\u5927\u624b\u5927\u811a\u7684\uff0c\u201d\u4ed6\u8bf4\u3002\u201c\u6211\u5728\u8c08\u8bba\u5927\u5b66\u9884\u5907\uff0c\u4ed6\u4eec\u5c06\u5982\u4f55\u652f\u4ed8\u5927\u5b66\u8d39\u7528\uff0c\u4ee5\u53ca\u4ed6\u4eec\u5c06\u5982\u4f55\u9009\u62e9\u804c\u4e1a\u3002\u201d<\/p>\n

\u4ed6\u6566\u4fc3\u5b66\u751f\u586b\u5199\u8054\u90a6\u52a9\u5b66\u91d1\u514d\u8d39\u7533\u8bf7\u8868\uff0c\u6216\u8005FAFSA<\/a>\uff0c\u8fd9\u53ef\u4ee5\u8ba9\u4ed6\u4eec\u6709\u8d44\u683c\u83b7\u5f97\u5956\u5b66\u91d1\u3001\u52a9\u5b66\u91d1\u3001\u5de5\u4f5c\u5b66\u4e60\u91d1\u548c\u52a9\u5b66\u91d1\u3002\u4ed6\u8fd8\u5206\u4eab\u4e86\u8bb8\u591a\u8d22\u52a1\u63f4\u52a9\u987e\u95ee\u6279\u51c6\u7684\u4e00\u4e2a\u63d0\u793a\uff1a\u4f60\u5e94\u8be5\u53ea\u501f\u52a9\u5b66\u91d1\u7684\u91d1\u989d\uff0c\u5c31\u50cf\u4f60\u9884\u671f\u5728\u5927\u5b66\u6bd5\u4e1a\u540e\u7684\u7b2c\u4e00\u5e74\u5de5\u4f5c\u4e2d\u8d5a\u53d6\u7684\u4e00\u6837\u3002<\/p>\n

3. \u4e3a\u9000\u4f11\u50a8\u84c4<\/span><\/h4>\n

\u5728401(k)<\/a>\u4e2d\u7559\u51fa\u6bcf\u6b21\u5de5\u8d44\u7684\u4e00\u90e8\u5206\u662f\u50a8\u84c4\u7684\u6700\u597d\u65b9\u5f0f\uff0c\u7279\u522b\u662f\u5982\u679c\u4f60\u7684\u96c7\u4e3b\u63d0\u4f9b\u5339\u914d\u3002\u4f5c\u4e3a\u4e00\u4e2a\u4f01\u4e1a\u5bb6\uff0cAugustine\u6ca1\u6709\u96c7\u4e3b\u63d0\u4f9b\u7684\u9000\u4f11\u8d26\u6237\uff0c\u4f46\u4ed6\u4ecd\u7136\u6bcf\u4e2a\u6708\u4e3a\u4ed6\u7684\u9000\u4f11\u50a8\u84c4\u505a\u51fa\u8d21\u732e\u3002<\/p>\n

\u201c\u4e00\u5b9a\u6570\u91cf\u7684\u94b1\u4ece\u6211\u7684\u652f\u7968\u8d26\u6237\u4e2d\u6263\u9664\uff0c\u8fdb\u5165IRA\uff0c\u201d\u4ed6\u8bf4\u3002IRA\u4ee3\u8868\u4e2a\u4eba\u9000\u4f11\u8d26\u6237<\/a>\u3002\u4efb\u4f5550\u5c81\u4ee5\u4e0b\u7684\u4eba\u6bcf\u5e74\u90fd\u53ef\u4ee5\u5411\u5176\u4e2d\u8d21\u732e\u6700\u591a5,500\u7f8e\u5143 – \u5982\u679c\u4f6050\u5c81\u6216\u4ee5\u4e0a\uff0c\u5927\u591a\u6570\u60c5\u51b5\u4e0b\u53ef\u4ee5\u8d21\u732e\u6700\u591a6,500\u7f8e\u5143\u3002<\/p>\n

\u6839\u636e\u4f60\u9009\u62e9\u7684\u8d26\u6237\u7c7b\u578b\uff0c\u4f60\u5728\u6295\u8d44\u8fd9\u7b14\u94b1\u65f6\u6216\u8005\u63d0\u53d6\u65f6\u90fd\u4f1a\u5f97\u5230\u7a0e\u6536\u4f18\u60e0\u3002<\/p>\n

4. \u5c11\u505a\u66f4\u591a<\/span><\/h4>\n

\u5f53Augustine\u5168\u804c\u5f00\u59cb\u4ed6\u7684\u97f3\u4e50\u4e8b\u4e1a\u65f6\uff0c\u4ed6\u8d85\u8fc7\u4e24\u5e74\u6ca1\u6709\u7a33\u5b9a\u7684\u5de5\u8d44\u3002\u90a3\u6bb5\u65f6\u95f4\u4ed6\u5403\u4e86\u5f88\u591a\u62c9\u9762\u548c\u9ea6\u5f53\u52b3\u7684\u4e00\u5143\u83dc\u5355\uff0c\u4f46Augustine\u8bf4\u4ed6\u6700\u5927\u7684\u50a8\u84c4\u6765\u81ea\u4e8e\u9a7e\u9a76\u4e00\u8f861998\u5e74\u7684\u672c\u7530\u96c5\u9601\uff0c\u800c\u4e0d\u662f\u66f4\u8c6a\u534e\u7684\u8f66\u3002\u4ed6\u5728\u4ed6\u7684\u6b4c\u66f2\u201cNo Car Note\u201d\u4e2d\u5199\u9053\uff1a\u201c\u5373\u4f7f\u4f60\u6bd4\u6211\u8d5a\u5f97\u591a\uff0c\u6211\u6bd4\u4f60\u7701\u5f97\u591a\u3002\u6211\u7528\u66f4\u5c11\u7684\u505a\u66f4\u591a\uff0c\u6211\u62e5\u6709\u7684\u4f60\u6c38\u8fdc\u4e0d\u80fd\u91cd\u65b0\u5360\u6709\u3002\u201d<\/p>\n

\u9664\u4e86\u50a8\u84c4\uff0cAugustine\u8fd8\u4f7f\u7528\u4ed6\u8d5a\u7684\u94b1\u6765\u521b\u4f5c\u66f4\u591a\u7684\u97f3\u4e50\u3002\u5c3d\u7ba1\u4ed6\u4f5c\u4e3a\u827a\u672f\u5bb6\u53d6\u5f97\u4e86\u6210\u529f\uff0c\u4ed6\u8bf4\u507f\u8fd8Sallie Mae\u4ecd\u7136\u662f\u4ed6\u6700\u81ea\u8c6a\u7684\u6210\u5c31\u4e4b\u4e00\u3002\u4ed6\u73cd\u85cf\u7740\u4e00\u4efd\u6253\u5370\u7684\u7535\u5b50\u90ae\u4ef6\u622a\u56fe\uff0c\u544a\u8bc9\u4ed6\u4ed6\u7684\u8d37\u6b3e\u5df2\u7ecf\u507f\u8fd8\u5b8c\u6bd5\u3002<\/p>\n

\u201c\u5f53\u6211\u4e70\u6211\u7684\u7b2c\u4e00\u5957\u623f\u5b50\u65f6\uff0c\u201d\u4ed6\u8bf4\uff0c\u8fd9\u5c01\u90ae\u4ef6\u201c\u4f1a\u6709\u81ea\u5df1\u7684\u623f\u95f4\u3002\u201d<\/p>\n

\n

Teddy Nykiel\u662fNerdWallet\u7684\u4e00\u540d\u5458\u5de5\u4f5c\u5bb6\uff0c\u8fd9\u662f\u4e00\u4e2a\u4e2a\u4eba\u8d22\u52a1\u7f51\u7ad9\u3002<\/i>
\n\u7535\u5b50\u90ae\u4ef6\uff1ateddy@nerdwallet.com<\/a>\u3002Twitter\uff1a@teddynykiel<\/a>\u3002<\/i>
\n\u56fe\u7247\uff1aDee-1\u5728\u7ebd\u7ea6\u5e03\u6717\u514b\u65af\u7684Cardinal Hayes\u9ad8\u4e2d\u62dc\u8bbf\u5b66\u751f\u3002\u7531\u666e\u534e\u6c38\u9053\u63d0\u4f9b\u3002<\/i><\/p>\n

\u8fd9\u7bc7\u6587\u7ae0\u6765\u81ea\u8bf4\u5531\u6b4c\u624bDee-1\u76844\u4e2a\u91d1\u94b1\u8bfe\u7a0b<\/a>\u6700\u521d\u51fa\u73b0\u5728NerdWallet<\/a>\u3002<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\u5982\u679c\u4f60\u8fd8\u6ca1\u6709\u770b\u8fc7\u8bf4\u5531\u6b4c\u624bDee-1\u6700\u8fd1\u7684\u97f3\u4e50\u89c6\u9891\u300aSallie Mae Back\u300b\uff0c\u8bf7\u67e5\u627e\u4e00\u4e0b\u3002MPOWER\u7684\u56e2\u961f\u975e\u5e38\u559c\u6b22\u770b\u5b83 – \u6211\u4eec\u8ba4\u8bc6\u5230\u6446\u8131\u6325\u4e4b\u4e0d\u53bb\u7684\u5927\u5b66\u8d39\u7528\u53ef\u80fd\u4f1a\u5f88\u5177\u6311\u6218\u6027\u3002\u5728Sallie Mae Back\u4e2d\uff0cDee-1\u7528\u4e00\u4e9b\u51fa\u8272\u7684\u6b4c\u8bcd\u76f4\u9762\u52a9\u5b66\u91d1\u507f\u8fd8\u548c\u6210\u4e3a\u65e0\u503a\u4e00\u8eab\u7684\u6311\u6218\u3002\u7531NerdWallet\u63d0\u4f9b\uff0c\u6211\u4eec\u5f88\u9ad8\u5174\u80fd\u5206\u4eabDee-1\u5173\u4e8e\u8d22\u52a1\u660e\u667a\u7684\u5176\u4ed6\u6709\u7528\u63d0\u793a\u3002 \u5927\u591a\u6570\u97f3\u4e50\u5bb6\u7ed9\u51fa\u7684\u8d22\u52a1\u5efa\u8bae\u90fd\u5f88\u7cdf\u7cd5\u3002\u65e0\u8bba\u662fMadonna\u7684\u201cMaterial Girl\u201d\u8fd8\u662fPuff Daddy\u7684\u201cIt\u2019s All About the Benjamins\u201d\uff0c\u8bb8\u591a\u4eba\u90fd\u7ed9\u4eba\u7559\u4e0b\u4e86\u73b0\u91d1\u662f\u7528\u6765\u70ab\u8000\uff0c\u800c\u4e0d\u662f\u5b58\u50a8\u7684\u5370\u8c61\u3002 \u6240\u4ee5\uff0c\u5f53\u65b0\u5965\u5c14\u826f\u7684\u8bf4\u5531\u6b4c\u624bDee-1\u53d1\u5e03\u4e86\u4e00\u9996\u5173\u4e8e\u507f\u8fd8\u4ed6\u7684\u52a9\u5b66\u91d1\u7684\u97f3\u4e50\u89c6\u9891\u65f6\uff0c\u5b83\u5f15\u8d77\u4e86\u5173\u6ce8\u3002\u652f\u4ed8\u201cSallie Mae Back\u201d\uff0c\u6b63\u5982\u6b4c\u66f2\u7684\u6807\u9898\uff0c\u5bf9\u4e8e\u5927\u7ea64300\u4e07\u62e5\u6709\u52a9\u5b66\u91d1\u503a\u52a1\u7684\u7f8e\u56fd\u4eba\u6765\u8bf4\uff0c\u662f\u4e00\u4e2a\u503c\u5f97\u8ffd\u6c42\u7684\u76ee\u6807\u3002\u8fd9\u4f4d\u4e2d\u5b66\u6559\u5e08\u8f6c\u884c\u6210\u4e3a\u8bf4\u5531\u6b4c\u624b\uff0c\u4e0e\u5ba1\u8ba1\u3001\u7a0e\u52a1\u548c\u54a8\u8be2\u516c\u53f8\u666e\u534e\u6c38\u9053\u5408\u4f5c\uff0c\u5e2e\u52a9\u5168\u56fd\u7684\u5b66\u751f\u63d0\u9ad8\u8d22\u52a1\u7d20\u517b\u3002 NerdWallet\u5411Dee-1\u8be2\u95ee\u4e86\u4ed6\u7684\u4e00\u4e9b\u6700\u4f73\u91d1\u94b1\u5efa\u8bae\u3002\u4ee5\u4e0b\u662f\u4ed6\u7684\u56de\u7b54\u3002 1. \u62e5\u6709\u7d27\u6025\u73b0\u91d1\u50a8\u5907 \u6839\u636eAAA 2016\u5e74\u7684\u62a5\u544a\uff0c\u9a7e\u9a76\u548c\u7ef4\u62a4\u5e73\u5747\u8f7f\u8f66\u6bcf\u5e74\u9700\u89818,558\u7f8e\u5143\u3002\u5982\u679c\u4f60\u4f4f\u5728\u6709\u901a\u52e4\u66ff\u4ee3\u65b9\u6848\u7684\u57ce\u5e02\uff0c\u53ef\u4ee5\u8003\u8651\u901a\u8fc7\u4f7f\u7528\u516c\u5171\u4ea4\u901a\u6216\u9a91\u81ea\u884c\u8f66\u6765\u8282\u7701\u94b1\u3002\u5982\u679c\u4f60\u4f4f\u7684\u5730\u65b9\u5fc5\u987b\u8981\u6709\u8f66\uff0c\u8d2d\u4e70\u4e00\u8f86\u4e8c\u624b\u8f66\u3002\u67e5\u770b\u6d88\u8d39\u8005\u62a5\u544a\u5217\u51fa\u7684\u6700\u53ef\u9760\u7684\u4e8c\u624b\u8f66\u9009\u9879\uff0c\u4ef7\u683c\u4f4e\u4e8e25,000\u7f8e\u5143\u3002 2. \u660e\u667a\u5730\u501f\u6b3e Augustine\u6210\u4e3a\u65e0\u503a\u4e00\u8eab\u7684\u9053\u8def\u5e76\u4e0d\u5bb9\u6613\u3002\u4ed6\u8fdd\u7ea6\u4e86\u4ed6\u7684\u52a9\u5b66\u91d1\uff0c\u5982\u4ed6\u5728\u6b4c\u66f2\u4e2d\u63cf\u8ff0\u7684\u90a3\u6837\uff0c\u73b7\u6c61\u4e86\u4ed6\u7684\u4fe1\u7528\u8bc4\u5206\u3002\u4ed6\u4e0ePwC\u7684\u5408\u4f5c\u7684\u4e00\u90e8\u5206\u5305\u62ec\u8bbf\u95ee\u9ad8\u4e2d\u8bfe\u5802\uff0c\u5206\u4eab\u4ed6\u6240\u5b66\u5230\u7684\u4e1c\u897f\u3002 \u201c\u6211\u5e76\u6ca1\u6709\u544a\u8bc9\u4ed6\u4eec\u6211\u5728\u8131\u8863\u821e\u4ff1\u4e50\u90e8\u662f\u5982\u4f55\u5927\u624b\u5927\u811a\u7684\uff0c\u201d\u4ed6\u8bf4\u3002\u201c\u6211\u5728\u8c08\u8bba\u5927\u5b66\u9884\u5907\uff0c\u4ed6\u4eec\u5c06\u5982\u4f55\u652f\u4ed8\u5927\u5b66\u8d39\u7528\uff0c\u4ee5\u53ca\u4ed6\u4eec\u5c06\u5982\u4f55\u9009\u62e9\u804c\u4e1a\u3002\u201d \u4ed6\u6566\u4fc3\u5b66\u751f\u586b\u5199\u8054\u90a6\u52a9\u5b66\u91d1\u514d\u8d39\u7533\u8bf7\u8868\uff0c\u6216\u8005FAFSA\uff0c\u8fd9\u53ef\u4ee5\u8ba9\u4ed6\u4eec\u6709\u8d44\u683c\u83b7\u5f97\u5956\u5b66\u91d1\u3001\u52a9\u5b66\u91d1\u3001\u5de5\u4f5c\u5b66\u4e60\u91d1\u548c\u52a9\u5b66\u91d1\u3002\u4ed6\u8fd8\u5206\u4eab\u4e86\u8bb8\u591a\u8d22\u52a1\u63f4\u52a9\u987e\u95ee\u6279\u51c6\u7684\u4e00\u4e2a\u63d0\u793a\uff1a\u4f60\u5e94\u8be5\u53ea\u501f\u52a9\u5b66\u91d1\u7684\u91d1\u989d\uff0c\u5c31\u50cf\u4f60\u9884\u671f\u5728\u5927\u5b66\u6bd5\u4e1a\u540e\u7684\u7b2c\u4e00\u5e74\u5de5\u4f5c\u4e2d\u8d5a\u53d6\u7684\u4e00\u6837\u3002 3. \u4e3a\u9000\u4f11\u50a8\u84c4 \u5728401(k)\u4e2d\u7559\u51fa\u6bcf\u6b21\u5de5\u8d44\u7684\u4e00\u90e8\u5206\u662f\u50a8\u84c4\u7684\u6700\u597d\u65b9\u5f0f\uff0c\u7279\u522b\u662f\u5982\u679c\u4f60\u7684\u96c7\u4e3b\u63d0\u4f9b\u5339\u914d\u3002\u4f5c\u4e3a\u4e00\u4e2a\u4f01\u4e1a\u5bb6\uff0cAugustine\u6ca1\u6709\u96c7\u4e3b\u63d0\u4f9b\u7684\u9000\u4f11\u8d26\u6237\uff0c\u4f46\u4ed6\u4ecd\u7136\u6bcf\u4e2a\u6708\u4e3a\u4ed6\u7684\u9000\u4f11\u50a8\u84c4\u505a\u51fa\u8d21\u732e\u3002 \u201c\u4e00\u5b9a\u6570\u91cf\u7684\u94b1\u4ece\u6211\u7684\u652f\u7968\u8d26\u6237\u4e2d\u6263\u9664\uff0c\u8fdb\u5165IRA\uff0c\u201d\u4ed6\u8bf4\u3002IRA\u4ee3\u8868\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\u3002\u4efb\u4f5550\u5c81\u4ee5\u4e0b\u7684\u4eba\u6bcf\u5e74\u90fd\u53ef\u4ee5\u5411\u5176\u4e2d\u8d21\u732e\u6700\u591a5,500\u7f8e\u5143 – \u5982\u679c\u4f6050\u5c81\u6216\u4ee5\u4e0a\uff0c\u5927\u591a\u6570\u60c5\u51b5\u4e0b\u53ef\u4ee5\u8d21\u732e\u6700\u591a6,500\u7f8e\u5143\u3002 \u6839\u636e\u4f60\u9009\u62e9\u7684\u8d26\u6237\u7c7b\u578b\uff0c\u4f60\u5728\u6295\u8d44\u8fd9\u7b14\u94b1\u65f6\u6216\u8005\u63d0\u53d6\u65f6\u90fd\u4f1a\u5f97\u5230\u7a0e\u6536\u4f18\u60e0\u3002…<\/p>\n","protected":false},"author":26,"featured_media":6164,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28],"tags":[82,83],"class_list":["post-25849","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips","tag-living","tag-money-management"],"acf":[],"yoast_head":"\n\u6765\u81ea\u8bf4\u5531\u6b4c\u624bDee-1\u76844\u4e2a\u91d1\u94b1\u6559\u8bad | MPOWER\u878d\u8d44<\/title>\n<meta name=\"description\" content=\"Dee-1\u7528\u4e00\u4e9b\u4f18\u79c0\u7684\u6b4c\u8bcd\u76f4\u9762\u507f\u8fd8\u52a9\u5b66\u91d1\u548c\u6446\u8131\u503a\u52a1\u7684\u6311\u6218\u3002\u501f\u6b64\u673a\u4f1a\uff0c\u6211\u4eec\u5f88\u9ad8\u5174\u5206\u4eabNerdWallet\u63d0\u4f9b\u7684Dee-1\u5173\u4e8e\u8d22\u52a1\u660e\u667a\u7684\u5176\u4ed6\u6709\u7528\u63d0\u793a\uff01\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u6765\u81ea\u8bf4\u5531\u6b4c\u624bDee-1\u76844\u4e2a\u91d1\u94b1\u8bfe\u7a0b\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/\" \/>\n<meta property=\"og:site_name\" content=\"MPOWER Financing\u4e2d\u6587\u5b98\u7f51\" \/>\n<meta property=\"article:published_time\" content=\"2016-10-25T16:15:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-09T15:17:28+00:00\" \/>\n<meta name=\"author\" content=\"NerdWallet\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"NerdWallet\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/\"},\"author\":{\"name\":\"NerdWallet\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/367dbecd1f4a04cbf1edb81e1d8c29df\"},\"headline\":\"\u6765\u81ea\u8bf4\u5531\u6b4c\u624bDee-1\u76844\u4e2a\u91d1\u94b1\u8bfe\u7a0b\",\"datePublished\":\"2016-10-25T16:15:32+00:00\",\"dateModified\":\"2025-08-09T15:17:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/\"},\"wordCount\":60,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"Living\",\"Money Management\"],\"articleSection\":[\"Financial Tips\"],\"inLanguage\":\"zh\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/\",\"url\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/\",\"name\":\"\u6765\u81ea\u8bf4\u5531\u6b4c\u624bDee-1\u76844\u4e2a\u91d1\u94b1\u6559\u8bad | MPOWER\u878d\u8d44\",\"isPartOf\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2016-10-25T16:15:32+00:00\",\"dateModified\":\"2025-08-09T15:17:28+00:00\",\"author\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/367dbecd1f4a04cbf1edb81e1d8c29df\"},\"description\":\"Dee-1\u7528\u4e00\u4e9b\u4f18\u79c0\u7684\u6b4c\u8bcd\u76f4\u9762\u507f\u8fd8\u52a9\u5b66\u91d1\u548c\u6446\u8131\u503a\u52a1\u7684\u6311\u6218\u3002\u501f\u6b64\u673a\u4f1a\uff0c\u6211\u4eec\u5f88\u9ad8\u5174\u5206\u4eabNerdWallet\u63d0\u4f9b\u7684Dee-1\u5173\u4e8e\u8d22\u52a1\u660e\u667a\u7684\u5176\u4ed6\u6709\u7528\u63d0\u793a\uff01\",\"breadcrumb\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#breadcrumb\"},\"inLanguage\":\"zh\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.mpowerfinancing.com\/zh\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u6765\u81ea\u8bf4\u5531\u6b4c\u624bDee-1\u76844\u4e2a\u91d1\u94b1\u8bfe\u7a0b\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#website\",\"url\":\"https:\/\/www.mpowerfinancing.com\/zh\/\",\"name\":\"MPOWER Financing\u4e2d\u6587\u5b98\u7f51\",\"description\":\"\u7f8e\u56fd\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.mpowerfinancing.com\/zh\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"zh\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/367dbecd1f4a04cbf1edb81e1d8c29df\",\"name\":\"NerdWallet\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/secure.gravatar.com\/avatar\/84ccc9719e96fe767ce30c505467bbed71e1cf9accd14b89ea24927d8312050a?s=96&d=mm&r=g\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/84ccc9719e96fe767ce30c505467bbed71e1cf9accd14b89ea24927d8312050a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/84ccc9719e96fe767ce30c505467bbed71e1cf9accd14b89ea24927d8312050a?s=96&d=mm&r=g\",\"caption\":\"NerdWallet\"},\"url\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/author\/nerdwallet\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u6765\u81ea\u8bf4\u5531\u6b4c\u624bDee-1\u76844\u4e2a\u91d1\u94b1\u6559\u8bad | MPOWER\u878d\u8d44","description":"Dee-1\u7528\u4e00\u4e9b\u4f18\u79c0\u7684\u6b4c\u8bcd\u76f4\u9762\u507f\u8fd8\u52a9\u5b66\u91d1\u548c\u6446\u8131\u503a\u52a1\u7684\u6311\u6218\u3002\u501f\u6b64\u673a\u4f1a\uff0c\u6211\u4eec\u5f88\u9ad8\u5174\u5206\u4eabNerdWallet\u63d0\u4f9b\u7684Dee-1\u5173\u4e8e\u8d22\u52a1\u660e\u667a\u7684\u5176\u4ed6\u6709\u7528\u63d0\u793a\uff01","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/","og_locale":"zh_CN","og_type":"article","og_title":"\u6765\u81ea\u8bf4\u5531\u6b4c\u624bDee-1\u76844\u4e2a\u91d1\u94b1\u8bfe\u7a0b","og_url":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/","og_site_name":"MPOWER Financing\u4e2d\u6587\u5b98\u7f51","article_published_time":"2016-10-25T16:15:32+00:00","article_modified_time":"2025-08-09T15:17:28+00:00","author":"NerdWallet","twitter_card":"summary_large_image","twitter_misc":{"Written by":"NerdWallet"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#article","isPartOf":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/"},"author":{"name":"NerdWallet","@id":"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/367dbecd1f4a04cbf1edb81e1d8c29df"},"headline":"\u6765\u81ea\u8bf4\u5531\u6b4c\u624bDee-1\u76844\u4e2a\u91d1\u94b1\u8bfe\u7a0b","datePublished":"2016-10-25T16:15:32+00:00","dateModified":"2025-08-09T15:17:28+00:00","mainEntityOfPage":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/"},"wordCount":60,"commentCount":0,"image":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#primaryimage"},"thumbnailUrl":"","keywords":["Living","Money Management"],"articleSection":["Financial Tips"],"inLanguage":"zh","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/","url":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/","name":"\u6765\u81ea\u8bf4\u5531\u6b4c\u624bDee-1\u76844\u4e2a\u91d1\u94b1\u6559\u8bad | MPOWER\u878d\u8d44","isPartOf":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#primaryimage"},"image":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#primaryimage"},"thumbnailUrl":"","datePublished":"2016-10-25T16:15:32+00:00","dateModified":"2025-08-09T15:17:28+00:00","author":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/367dbecd1f4a04cbf1edb81e1d8c29df"},"description":"Dee-1\u7528\u4e00\u4e9b\u4f18\u79c0\u7684\u6b4c\u8bcd\u76f4\u9762\u507f\u8fd8\u52a9\u5b66\u91d1\u548c\u6446\u8131\u503a\u52a1\u7684\u6311\u6218\u3002\u501f\u6b64\u673a\u4f1a\uff0c\u6211\u4eec\u5f88\u9ad8\u5174\u5206\u4eabNerdWallet\u63d0\u4f9b\u7684Dee-1\u5173\u4e8e\u8d22\u52a1\u660e\u667a\u7684\u5176\u4ed6\u6709\u7528\u63d0\u793a\uff01","breadcrumb":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#breadcrumb"},"inLanguage":"zh","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/"]}]},{"@type":"ImageObject","inLanguage":"zh","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/4-money-lessons-rapper-dee-1\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.mpowerfinancing.com\/zh\/"},{"@type":"ListItem","position":2,"name":"\u6765\u81ea\u8bf4\u5531\u6b4c\u624bDee-1\u76844\u4e2a\u91d1\u94b1\u8bfe\u7a0b"}]},{"@type":"WebSite","@id":"https:\/\/www.mpowerfinancing.com\/zh\/#website","url":"https:\/\/www.mpowerfinancing.com\/zh\/","name":"MPOWER Financing\u4e2d\u6587\u5b98\u7f51","description":"\u7f8e\u56fd\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.mpowerfinancing.com\/zh\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh"},{"@type":"Person","@id":"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/367dbecd1f4a04cbf1edb81e1d8c29df","name":"NerdWallet","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/84ccc9719e96fe767ce30c505467bbed71e1cf9accd14b89ea24927d8312050a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/84ccc9719e96fe767ce30c505467bbed71e1cf9accd14b89ea24927d8312050a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/84ccc9719e96fe767ce30c505467bbed71e1cf9accd14b89ea24927d8312050a?s=96&d=mm&r=g","caption":"NerdWallet"},"url":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/author\/nerdwallet\/"}]}},"_links":{"self":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts\/25849","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/users\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/comments?post=25849"}],"version-history":[{"count":1,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts\/25849\/revisions"}],"predecessor-version":[{"id":25851,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts\/25849\/revisions\/25851"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/media?parent=25849"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/categories?post=25849"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/tags?post=25849"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}