通用原则一:量入为出如果你有工作,每年至少应将税前收入的10%存入银行。也许你目前的投资收益很不错,但这不可能真正替代你的养老计划。只有养成良好的储蓄习惯,才可能确保后半生生活无忧。 General Principle One: Measuring Your Income If you have a job, you should have at least 10% of your pre-tax income credited to your bank each year. Perhaps your current investment returns are good, but this can not really replace your pension plan. Only by developing good saving habits will it be possible to ensure that the rest of the world lives without worries.