大多數專家建議儲蓄 3-6 個月的生活費作為緊急備用金。信用卡通常帶有超過 20% 的利率。信用分數反映你償還借款的可靠程度。最低還款會延長債務並增加利息成本。退休帳戶提供稅務優惠和長期增長。複利增長更快,因為利息會賺取利息。高利息債務拖延越久成本越高。預算有助於規劃和控制支出。按時付款是最重要的因素。淨收入是您實際帶回家的金額。汽車貶值迅速,尤其是在最初幾年。自負額是在保險理賠前需自掏腰包的費用。緊急基金可以應對意外開支。APR 反映了借貸的真實年度成本。按時付款可以持續提高分數。多元化可降低整體風險。住房是基本必需品。錯過還款會損害信用並產生費用。通貨膨脹會隨時間降低購買力。預算工具可幫助監控開支。總收入是稅前收入。逾期付款會嚴重損害信用評分。雇主匹配可增加退休儲蓄。流動資產易於獲取。高收益儲蓄帳戶支付更多利息。優先儲蓄可建立穩定的儲蓄。雜貨費用每月波動。這是允許的最高餘額。定期審查有助於及早發現問題。保險可以防止重大的財務挫折。You scored 0 out of 30You scored 1 out of 30You scored 2 out of 30You scored 3 out of 30You scored 4 out of 30You scored 5 out of 30You scored 6 out of 30You scored 7 out of 30You scored 8 out of 30You scored 9 out of 30You scored 10 out of 30You scored 11 out of 30You scored 12 out of 30You scored 13 out of 30You scored 14 out of 30You scored 15 out of 30You scored 16 out of 30You scored 17 out of 30You scored 18 out of 30You scored 19 out of 30You scored 20 out of 30You scored 21 out of 30You scored 22 out of 30You scored 23 out of 30You scored 24 out of 30You scored 25 out of 30You scored 26 out of 30You scored 27 out of 30You scored 28 out of 30You scored 29 out of 30You scored 30 out of 30
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覺得自己理財有方?這個個人理財測驗將考驗你的實際知識。從預算基礎、信用分數到利率、投資和日常財務決策,這些問題遠不止於簡單的數學。許多人認為他們懂錢——直到他們面臨需要做出明智選擇的現實情境。只有 5% 的玩家能獲得 80% 或更高的分數,所以這不是膽小者的遊戲。參加測驗,看看你到底有多精通理財,發現知識上的不足,並找出你的金錢技能是真正精英級別還是需要認真改進。