Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. If you earn a six-figure income but still feel like money slips through your fingers faster than it should, you're not alone —and you're probably not doing anything "wrong." On paper, your income looks impressive. In reality, your savings don't feel secure, your net worth doesn't reflect your paycheck, and the idea of missing a few paychecks makes you uneasy. That disconnect has a name, and understanding ...

文章核心观点 - 高收入者（HENRYs）与真正的富人存在区别 高收入并不必然意味着富有 关键问题在于资金配置不当 [1] - 金融专家提出了针对高收入者的资金配置终极指南 旨在帮助他们积累财富 [2] 资金配置建议 - 首要步骤是建立应急基金 金额应覆盖3到6个月的生活开支 建议将6个月的生活开支存入高收益储蓄账户或国债ETF [3] - 对于余额较大（超过5万美元）的资金 建议存入现金管理账户 可获得2.5%至5%的收益并保持流动性 [4] - 如果符合条件 应最大化健康储蓄账户的供款 该账户具有三重税收优惠 供款可抵税 增长免税 符合条件的医疗支出提款免税 [4][5] - 专家强调必须将存入HSA账户的资金进行投资 而不仅仅是存款 未来可报销当前自付的医疗费用 [6]