If being a millionaire used to mean yacht parties and champagne toasts, someone forgot to tell today's millionaires. Turns out, having seven figures in the bank doesn't always come with a sense of financial comfort—or even confidence. According to the 2025 Planning & Progress Study by Northwestern Mutual, only 36% of U.S. adults with at least $1 million in investable assets actually consider themselves "wealthy." That means 64%—despite their millionaire status—feel like they're still chasing financial sec ...

个人理财常见错误 - 仅支付信用卡或信贷的最低还款额是一个需要避免的首要习惯 这会导致个人无法取得财务进展 反而持续支付利息甚至逾期费用[2] - 摆脱债务并释放最低还款额 让生活无债 将使个人收入发挥更大效用[3] - 推荐使用债务雪球法进行减债 即按债务金额从小到大排序 优先偿还最小本金 同时对其他债务维持最低还款[3] 储蓄与债务管理 - 当个人持有大量债务但同时拥有可观储蓄资产时 应动用储蓄来清偿债务[4] - 尽管储蓄可能产生利息 例如通过高收益储蓄账户 但所获利率通常远低于所支付债务的利率[5] - 保持高额债务所带来的风险水平非常高[5] 购房前的财务准备 - 购房是一个重要的里程碑 但人们常常仓促地进入这个阶段[6] - 在购房前 个人应做到无债 拥有充足的应急基金 并准备良好的首付款[7] - 对于首次购房者 5%的首付可以接受 但如果能达到20%的首付则更佳 这样可以避免支付私人抵押贷款保险 从而减少保险支出[7]