It’s one thing for a dad to support his son’s college education. It’s another to leave your adult child on the hook for a $70,000 student loan you take out on their behalf without telling them. Bill called into The Ramsey Show in exactly this situation. He told a flabbergasted Jade Warshaw and Ken Coleman that his father secretly took out a $70,000 student loan on his behalf under the Direct PLUS Loans for parents program. “This is so messed up,” Warshaw said (1). Must Read Bill’s father convinced hi ...

美国居民储蓄状况变化 - 根据KeyBank的一项新调查，三分之二的美国人储蓄账户中的金额比去年减少[1] - 调查发现，32%的美国人正在做出每周的权衡以减少开支从而为未来储蓄更多，25%的美国人正在做出每日的权衡[6] 储蓄下降的主要原因 - 通货膨胀是一个真实因素，无论收入水平如何，它都贯穿于美国人的生活[4] - 疫情期间暂停的联邦学生贷款还款现已恢复，这些还款被上报至征信机构，成为更紧迫的财务事项[5] - “先买后付”若管理不当，可能会增加财务负担，因为这类贷款并非总是免息[6] 建议的储蓄改善策略 - 寻求个性化建议：可能没有放之四海而皆准的策略，建议寻找数字工具来帮助预算和订阅管理，并与顾问交谈[7] - 自动化储蓄：建议人们“先支付给自己”，在获得收入来源时，在考虑其他支出之前先预留部分资金[7]