Money expert Rachel Cruze is known for her approachable and encouraging take on personal finance. She recently posted a YouTube video to help people anxious about money see that, if they meet six basic criteria, they’re on the right track and managing their finances responsibly. Learn More: 6 Signs You’re Actually Upper-Middle Class (Even If You Don’t Feel Rich) Read Next: 6 Things You Must Do When Your Savings Reach $50,000 1. You Have More Than $400 Saved In her video, Cruze cited a 2022 study showing ...

消费者财务状况调查 - 2025年6月的一项调查发现29%的美国人的支出超过其收入[1] - 约一半的受访者表示如果需要弥补资金短缺他们会动用储蓄或信用卡[1] 预算制定与执行情况 - Discover的2025年消费者个人财务展望发现仅有22%的美国人既制定预算又严格执行[4] - 未制定并遵循预算可能导致支出失控并影响财务目标的实现[4] 避免超支的财务策略 - 明确财务决策背后的深层动机而不仅仅是追求一个具体数字[3] - 有意识地追踪支出以了解消费习惯并做出审慎的购买决策[3] - 限制信用卡使用因为其会弱化支付痛感且利率较高可能增加不必要的支出[5] - 专家建议完全避免使用信用卡以更好地控制支出并避免后续账单压力[6]