{"id":26035,"date":"2016-12-15T13:46:38","date_gmt":"2016-12-15T18:46:38","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/7-banking-tips-for-young-millennials\/"},"modified":"2025-08-09T18:26:45","modified_gmt":"2025-08-09T18:26:45","slug":"7-banking-tips-for-young-millennials","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/7-banking-tips-for-young-millennials\/","title":{"rendered":"\u7ed9\u5e74\u8f7b\u5343\u79a7\u4e00\u4ee3\u76847\u4e2a\u94f6\u884c\u8d34\u58eb"},"content":{"rendered":"<p>\u5728\u94f6\u884c\u4e2d\u6709\u8db3\u591f\u7684\u94b1\u6765\u652f\u4ed8\u52a9\u5b66\u91d1\u503a\u52a1\u3001\u4e00\u822c\u652f\u51fa\u548c\u50a8\u84c4\u57ab\u5e95\u662f\u4efb\u4f55\u4eba\u90fd\u8981\u9762\u5bf9\u7684\u5927\u538b\u529b\u3002\u5728MPOWER\uff0c\u6211\u4eec\u76f8\u4fe1\u8d1f\u8d23\u4efb\u5730\u3001\u76f4\u9762\u8fd9\u4e9b\u4f18\u5148\u4e8b\u9879\u662f\u89e3\u51b3\u5b83\u4eec\u7684\u6700\u597d\u65b9\u5f0f\u3002\u8bb0\u4f4f\uff0c\u62e5\u6709\u52a9\u5b66\u91d1\u503a\u52a1\u5e76\u4e0d\u662f\u574f\u4e8b\uff08\u6bd5\u7adf\uff0c\u8fd9\u8ba9\u4f60\u80fd\u63a5\u53d7\u6559\u80b2\uff0c\u5bf9\u5427\uff1f\uff09\u2014\u2014\u5173\u952e\u662f\u4f60\u5982\u4f55\u638c\u63a7\u5b83\u3002<\/p>\n<p>\u611f\u8c22NerdWallet\uff0c\u6211\u4eec\u4e3a\u4f60\u63d0\u4f9b\u4ee5\u4e0b\u94f6\u884c\u8d34\u58eb\uff0c\u4ee5\u4fbf\u4f60\u80fd\u638c\u63a7\u81ea\u5df1\u7684\u8d22\u52a1\u3002\u770b\u770b\u2014\u2014\u9075\u5faa\u5b83\u4eec\u53ef\u80fd\u4f1a\u8ba9\u4f60\u7684\u8d22\u52a1\u751f\u6d3b\u663e\u5f97\u66f4\u6613\u7ba1\u7406\u3002<\/p>\n<hr style=\"border: 0.5px solid #dadada; margin-bottom: 30px; margin-top: 20px;\" \/>\n<p>\u4e00\u65e6\u4f60\u5728\u6bd5\u4e1a\u540e\u5f00\u59cb\u6536\u5230\u4f60\u7684\u7b2c\u4e00\u4efd\u85aa\u6c34\uff0c\u77e5\u9053\u5982\u4f55\u660e\u667a\u5730\u82b1\u8d39\u6216\u50a8\u84c4\u4f60\u7684\u94b1\u53ef\u80fd\u4f1a\u5f88\u56f0\u96be\u3002\u867d\u7136\u4f60\u53ef\u80fd\u53ea\u9700\u5728\u4f60\u7684\u624b\u673a\u4e0a\u8f7b\u8f7b\u51e0\u4e0b\u5c31\u80fd\u8fdb\u884c\u94f6\u884c\u4e1a\u52a1\uff0c\u4f46\u7ba1\u7406\u597d\u94b1\u8d22\u5374\u8981\u590d\u6742\u5f97\u591a\u3002\u8fd9\u91cc\u6709\u4e00\u4e9b\u8d34\u58eb\u53ef\u4ee5\u5e2e\u52a9\u4f60\u5f00\u59cb\u3002<\/p>\n<hr style=\"border: 1px solid #fff; margin-bottom: 20px;\" \/>\n<h4><span style=\"font-size: 120%; color: #5da2d8;\">1. \u4f7f\u7528\u5e94\u7528\u7a0b\u5e8f\u8fdb\u884c\u9884\u7b97<\/span><\/h4>\n<p style=\"margin-bottom: 20px;\">\u8ddf\u8e2a\u4f60\u6bcf\u5468\u548c\u6bcf\u6708\u7684\u652f\u51fa\u53ef\u4ee5\u8ba9\u4f60\u77e5\u9053\u4f60\u7684\u94b1\u53bb\u4e86\u54ea\u91cc\u4ee5\u53ca\u4f60\u5982\u4f55\u53ef\u4ee5\u8282\u7701\u66f4\u591a\u3002\u4f60\u53ef\u4ee5\u4f7f\u7528\u4e00\u4e2a\u81ea\u52a8\u8ddf\u8e2a\u4f60\u7684\u73b0\u91d1\u7684\u9884\u7b97\u5e94\u7528\u7a0b\u5e8f\uff0c\u5982Mint\uff0c\u6216\u8005\u4e00\u4e2a\u4f60\u9700\u8981\u624b\u52a8\u8f93\u5165\u4fe1\u606f\u7684\u5e94\u7528\u7a0b\u5e8f\uff0c\u5982Spending Tracker\u3002\u9009\u62e9\u4e00\u4e2a\u8ba9\u4f60\u53ef\u4ee5\u6839\u636e\u4f60\u7684\u9700\u6c42\u5728\u9884\u7b97\u4e0a\u82b1\u8d39\u5c3d\u53ef\u80fd\u5c11\u6216\u5c3d\u53ef\u80fd\u591a\u7684\u65f6\u95f4\u7684\u5e94\u7528\u7a0b\u5e8f\u3002\u4ece\u90a3\u91cc\uff0c\u4f60\u53ef\u4ee5\u786e\u5b9a\u4f60\u7684\u603b\u56fa\u5b9a\u652f\u51fa\uff0c\u5982\u79df\u91d1\u548c\u6c7d\u8f66\u4ed8\u6b3e\uff0c\u4ee5\u53ca\u66f4\u7075\u6d3b\u7684\u6210\u672c\uff0c\u5982\u8d2d\u7269\u548c\u5916\u51fa\u5c31\u9910\u3002<\/p>\n<h4><span style=\"font-size: 120%; color: #5da2d8;\">2. \u8bbe\u7f6e\u81ea\u52a8\u8f6c\u8d26\u5230\u50a8\u84c4<\/span><\/h4>\n<p style=\"margin-bottom: 20px;\">\u5f53\u4f60\u5927\u81f4\u77e5\u9053\u4f60\u53ef\u4ee5\u5b9a\u671f\u8282\u7701\u591a\u5c11\u94b1\u65f6\uff0c\u4ece\u4f60\u7684\u652f\u7968\u8d26\u6237\u521b\u5efa\u4e00\u4e2a\u5b9a\u671f\u8f6c\u8d26\u5230\u50a8\u84c4\u8d26\u6237\u3002\u901a\u8fc7\u4f7f\u50a8\u84c4\u81ea\u52a8\u5316\uff0c\u4f60\u53ef\u4ee5\u4e60\u60ef\u4e8e\u201c\u4f4e\u4e8e\u4f60\u7684\u751f\u6d3b\u6c34\u5e73\u201d\u6d88\u8d39\uff0c\u800c\u4e14\u6c38\u8fdc\u4e0d\u5fc5\u62c5\u5fc3\u8bb0\u4e0d\u4f4f\u8f6c\u8d26\u3002<\/p>\n<h4><span style=\"font-size: 120%; color: #5da2d8;\">3. \u907f\u514d\u900f\u652f\u4f60\u7684\u652f\u7968\u8d26\u6237<\/span><\/h4>\n<p style=\"margin-bottom: 20px;\">\u5728\u4f60\u652f\u4ed8\u79df\u91d1\u6216\u82b1\u8d39\u4efb\u4f55\u5176\u4ed6\u5927\u7b14\u94b1\u4e4b\u524d\uff0c\u770b\u4e00\u4e0b\u4f60\u7684\u652f\u7968\u8d26\u6237\u7684\u53ef\u7528\u4f59\u989d\u3002\u8fd9\u53ef\u4ee5\u9632\u6b62\u4f60\u82b1\u8d39\u8d85\u8fc7\u4f60\u8d26\u6237\u4e2d\u7684\u91d1\u989d\u3002\u5982\u679c\u4f60\u900f\u652f\uff0c\u4f60\u53ef\u80fd\u4f1a\u88ab\u6536\u53d6\u8d39\u7528\u3002<\/p>\n<h4><span style=\"font-size: 120%; color: #5da2d8;\">4. \u5efa\u7acb\u4fe1\u7528<\/span><\/h4>\n<p style=\"margin-bottom: 20px;\">\u52a9\u5b66\u91d1\u548c\u4fe1\u7528\u5361\u53ef\u4ee5\u5e2e\u52a9\u4f60\u5efa\u7acb\u826f\u597d\u7684\u4fe1\u7528\u2014\u2014\u53ea\u8981\u4f60\u6309\u65f6\u652f\u4ed8\u6bcf\u6708\u7684\u4ed8\u6b3e\u5e76\u4e14\u4e0d\u8fc7\u5ea6\u4f7f\u7528\u4f60\u7684\u5361\u3002<a href=\"https:\/\/www.nerdwallet.com\/blog\/credit-score\/whats-my-credit-score\/?trk=nw-wire_549_0_2567\" target=\"_blank\" rel=\"noopener noreferrer\">\u4f60\u7684\u4fe1\u7528\u8bc4\u5206\uff0c<\/a>\u5b83\u663e\u793a\u4e86\u4f60\u5bf9\u4fe1\u7528\u7684\u8d1f\u8d23\u4efb\u7a0b\u5ea6\uff0c\u662f\u8d37\u6b3e\u4eba\u5728\u6279\u51c6\u6c7d\u8f66\u8d37\u6b3e\u548c\u62b5\u62bc\u8d37\u6b3e\u4e4b\u524d\u4f1a\u68c0\u67e5\u7684\u91cd\u8981\u56e0\u7d20\u3002\u4f60\u7684\u8bc4\u5206\u8d8a\u597d\uff0c\u4f60\u53ef\u80fd\u6709\u8d44\u683c\u83b7\u5f97\u7684\u5229\u7387\u5c31\u8d8a\u4f4e\u3002<\/p>\n<h4><span style=\"font-size: 120%; color: #5da2d8;\">5. \u7b56\u7565\u6027\u507f\u8fd8\u503a\u52a1<\/span><\/h4>\n<p style=\"margin-bottom: 20px;\">\u5982\u679c\u4f60\u6709\u6765\u81ea\u591a\u4e2a\u4fe1\u7528\u5361\u548c\u52a9\u5b66\u91d1\u7684\u503a\u52a1\uff0c\u652f\u4ed8\u6bcf\u4e2a\u7684\u6700\u4f4e\u989d\uff0c\u7136\u540e\u4e3a\u4f60\u7684\u9ad8\u5229\u606f\u503a\u52a1\u8d21\u732e\u66f4\u591a\u3002\u901a\u8fc7\u4f18\u5148\u8003\u8651\u8fd9\u4e9b\uff0c\u4f60\u53ef\u4ee5\u6bd4\u5e73\u7b49\u5bf9\u5f85\u6240\u6709\u503a\u52a1\u66f4\u5feb\u5730\u51cf\u5c11\u4f60\u6b63\u5728\u652f\u4ed8\u7684\u5229\u606f\u3002<\/p>\n<h4><span style=\"font-size: 120%; color: #5da2d8;\">6. \u5f00\u59cb\u4e00\u4e2a\u7d27\u6025\u57fa\u91d1<\/span><\/h4>\n<p style=\"margin-bottom: 20px;\">\u5728\u5065\u5eb7\u7d27\u6025\u60c5\u51b5\u6216\u610f\u5916\u5931\u4e1a\u7684\u60c5\u51b5\u4e0b\uff0c\u8d22\u52a1\u51c6\u5907\u53ef\u4ee5\u4f7f\u4f60\u514d\u4e8e\u503a\u52a1\u3002\u4e3a\u6b64\u76ee\u7684\u8bbe\u7acb\u4e00\u4e2a\u5355\u72ec\u7684\u50a8\u84c4\u8d26\u6237\u2014\u2014\u4e0d\u8981\u4e0e\u4f60\u7684\u5e38\u89c4\u50a8\u84c4\u6df7\u5728\u4e00\u8d77\u3002\u4e00\u4e2a\u597d\u7684\u7ecf\u9a8c\u6cd5\u5219\u662f\u50a8\u84c4\u8db3\u591f\u652f\u4ed8\u4e09\u5230\u516d\u4e2a\u6708\u7684\u751f\u6d3b\u8d39\u7528\u3002<\/p>\n<h4><span style=\"font-size: 120%; color: #5da2d8;\">7. \u8bbe\u5b9a\u957f\u671f\u50a8\u84c4\u76ee\u6807<\/span><\/h4>\n<p style=\"margin-bottom: 20px;\">\u8003\u8651\u5728\u96c7\u4e3b\u63d0\u4f9b\u7684401(k)\u8ba1\u5212\u6216\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\u4e2d\u4e3a\u9000\u4f11\u8fdb\u884c\u50a8\u84c4\u3002\u5f53\u4f60\u5f00\u59cb\u65e9\u671f\u50a8\u84c4\u65f6\uff0c\u4f60\u53ef\u4ee5\u5229\u7528\u590d\u5408\u56de\u62a5\u4ece\u4f60\u7684\u603b\u8d21\u732e\u4e2d\u8d5a\u53d6\u66f4\u591a\u7684\u94b1\u3002<\/p>\n<div style=\"margin-top: 60px;\">\n<p>\u4ece\u660e\u667a\u7684\u9884\u7b97\u5230\u8bbe\u5b9a\u76ee\u6807\uff0c\u73b0\u5728\u5c31\u505a\u51fa\u826f\u597d\u7684\u91d1\u94b1\u9009\u62e9\u3002\u7531\u4e8e\u65f6\u95f4\u5728\u4f60\u8fd9\u8fb9\uff0c\u4f60\u53ef\u4ee5\u4ece\u5efa\u7acb\u4fe1\u7528\u548c\u65e9\u671f\u50a8\u84c4\u4e2d\u53d7\u76ca\uff0c\u4ee5\u4fbf\u4e3a\u672a\u6765\u7684\u5927\u578b\u8d22\u52a1\u51b3\u7b56\u505a\u597d\u51c6\u5907\u3002<\/p>\n<p style=\"margin-top: 30px;\">\u00a9 2016\u7248\u6743\u6240\u6709 <a href=\"https:\/\/www.nerdwallet.com\/?trk=nw-wire_549_0_2567\" target=\"_blank\" rel=\"noopener noreferrer\">NerdWallet<\/a>, Inc. \u4fdd\u7559\u6240\u6709\u6743\u5229<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u94f6\u884c\u4e2d\u6709\u8db3\u591f\u7684\u94b1\u6765\u652f\u4ed8\u52a9\u5b66\u91d1\u503a\u52a1\u3001\u4e00\u822c\u652f\u51fa\u548c\u50a8\u84c4\u57ab\u5e95\u662f\u4efb\u4f55\u4eba\u90fd\u8981\u9762\u5bf9\u7684\u5927\u538b\u529b\u3002\u5728MPOWER\uff0c\u6211\u4eec\u76f8\u4fe1\u8d1f\u8d23\u4efb\u5730\u3001\u76f4\u9762\u8fd9\u4e9b\u4f18\u5148\u4e8b\u9879\u662f\u89e3\u51b3\u5b83\u4eec\u7684\u6700\u597d\u65b9\u5f0f\u3002\u8bb0\u4f4f\uff0c\u62e5\u6709\u52a9\u5b66\u91d1\u503a\u52a1\u5e76\u4e0d\u662f\u574f\u4e8b\uff08\u6bd5\u7adf\uff0c\u8fd9\u8ba9\u4f60\u80fd\u63a5\u53d7\u6559\u80b2\uff0c\u5bf9\u5427\uff1f\uff09\u2014\u2014\u5173\u952e\u662f\u4f60\u5982\u4f55\u638c\u63a7\u5b83\u3002 \u611f\u8c22NerdWallet\uff0c\u6211\u4eec\u4e3a\u4f60\u63d0\u4f9b\u4ee5\u4e0b\u94f6\u884c\u8d34\u58eb\uff0c\u4ee5\u4fbf\u4f60\u80fd\u638c\u63a7\u81ea\u5df1\u7684\u8d22\u52a1\u3002\u770b\u770b\u2014\u2014\u9075\u5faa\u5b83\u4eec\u53ef\u80fd\u4f1a\u8ba9\u4f60\u7684\u8d22\u52a1\u751f\u6d3b\u663e\u5f97\u66f4\u6613\u7ba1\u7406\u3002 \u4e00\u65e6\u4f60\u5728\u6bd5\u4e1a\u540e\u5f00\u59cb\u6536\u5230\u4f60\u7684\u7b2c\u4e00\u4efd\u85aa\u6c34\uff0c\u77e5\u9053\u5982\u4f55\u660e\u667a\u5730\u82b1\u8d39\u6216\u50a8\u84c4\u4f60\u7684\u94b1\u53ef\u80fd\u4f1a\u5f88\u56f0\u96be\u3002\u867d\u7136\u4f60\u53ef\u80fd\u53ea\u9700\u5728\u4f60\u7684\u624b\u673a\u4e0a\u8f7b\u8f7b\u51e0\u4e0b\u5c31\u80fd\u8fdb\u884c\u94f6\u884c\u4e1a\u52a1\uff0c\u4f46\u7ba1\u7406\u597d\u94b1\u8d22\u5374\u8981\u590d\u6742\u5f97\u591a\u3002\u8fd9\u91cc\u6709\u4e00\u4e9b\u8d34\u58eb\u53ef\u4ee5\u5e2e\u52a9\u4f60\u5f00\u59cb\u3002 1. \u4f7f\u7528\u5e94\u7528\u7a0b\u5e8f\u8fdb\u884c\u9884\u7b97 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