Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. Maxing out your retirement accounts is a common piece of advice from financial experts. It sounds like a smart, ambitious goal, and for some people, it is. Personal finance expert Dave Ramsey‘s company Ramsey Solutions calls it a “Shaquille O’Neal-level slam dunk” for building wealth over time. But just because it’s ideal on paper doesn’t mean it’s doable for everyone. Many Households Struggle To Hit The L ...

核心观点 - 理财专家Humphrey Yang提出四项简单的理财习惯 旨在帮助个人积累财富并达到百万富翁状态 [2] 财富管理习惯 - 建议每月末计算个人净资产 即所有银行账户、投资账户及资产价值总和减去所有债务 以建立基线并通过意识提升净资产 [3] - 指出普通人储蓄率约为收入的4.3% 认为此水平不佳 建议将储蓄率提升至10%、15%或20%以实现舒适退休和百万富翁目标 例如年收入6万美元时 15%储蓄率相当于每月储蓄750美元 [4] - 强调应避免为彰显地位而购买非必需品的消费行为 例如将5000美元用于投资而非购买手提包 能更快实现百万富翁目标 [5] - 推荐最大化利用税收优惠退休账户 如Roth IRA 2025年最高供款额为7000美元 50岁及以上者为8000美元 账户内投资收益可免税 [5][6]