核心观点 - 多数美国人受意外账单影响 其中59%因此负债 33%需重新分配储蓄 [2][4][6] 意外账单对财务状况的影响 - 72%的美国人受到意外账单的影响 [2] - 36%的美国人对其储蓄足以支付意外账单缺乏信心 [2] - 59%受影响的美国人因意外账单而陷入债务 [4] - 33%受影响的美国人不得不动用或重新分配其储蓄以支付费用 [6] 应对意外财务支出的建议 - 建立应急储蓄基金 金额应相当于三到六个月的生活费用 [4] - 制定月度预算并严格执行 以确保为应急储蓄留出资金 [5] - 应急储蓄应用于无法预见或控制的账单 而非可预期的支出 [6]

According to an early read of tax-filing data from the Internal Revenue Service (IRS), the average refund amount is $3,676 — up over 10% from last tax season. So, what should you do with your tax refund this year? Here are five smart ways to put that bigger refund to good use, from building an emergency savings to investing in your long-term goals. Why are refunds larger this year? Tax law changes, such as a larger standard deduction, state and local tax (SALT) deduction increase, child tax credit, and ...

Life has a way of throwing expensive surprises when you least expect them. A flat tire, a broken appliance, an unexpected medical bill, or a sudden job loss can quickly turn a normal month into a financial crisis. That’s where an emergency fund comes in. A savings account for financial emergencies allows you to pay your rent or mortgage, put gas in your car, or replace a failed appliance without going into debt if you unexpectedly lose income. Even an emergency fund as small as $250 can lessen the chance ...