汽车维修与更换储蓄 - 金融专家建议在预算中设立一个“沉没基金”用于汽车维修和更换 具体金额取决于车辆里程、车龄和历史等因素 [3] - 为潜在维修每月储蓄100至200美元可能足够 但为未来购车则需每月储蓄更多现金 [4] - 以2025年10月数据为例 二手车平均交易价格近26,000美元 新车平均交易价格达50,000美元 可通过在线列表了解预算并分摊至目标更换月数以确定储蓄额 [4][5] - 建议使用单独的储蓄账户存放汽车相关资金 [5] 个人财务管理 - 针对管理多个开支和债务的单亲家长 专家建议使用预算 优先满足需求 并明智地将剩余收入用于需求和目标 [6] - 推荐遵循“7个婴儿步骤”计划来建立紧急储蓄并减少被债务支付占用的收入 [6] - 专家指出 若能将用于支付债务的金额转为可支配收入 将显著增强个人的财务能力和缓冲空间 [7] 人寿保险规划 - 对于单身人士是否购买定期人寿保险 核心考量在于是否有依赖其收入的受抚养人 若有则购买此类保单是明智的 因为保费相对可负担 [7] - 即使没有受抚养人 若想为亲人做些安排或覆盖丧葬费用 仍可考虑购买保单 [7] - 建议避免购买成本更高的终身寿险 并鼓励订立遗嘱 这对于遗产规划很重要 同时应考虑为临终费用储蓄 [8]

A 28-year-old shared on Reddit's r/AITA_WIBTA_PUBLIC that their 30-year-old brother asked for $10,000 to cover arrears and prevent his luxury car from being repossessed after draining his savings and maxing out credit cards. According to the Redditor, the brother had a long history of poor money management despite earning a stable salary. Earlier this year, he purchased an expensive luxury car that emptied his savings. To cover the purchase, he also borrowed money from relatives and relied on multiple cre ...