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22 AUTOMATE YOUR RETIREMENT SAVINGS.
讓你的退休儲蓄自動(dòng)化。
You can't count on someone bailing you out if you fail to put away money now for the future life you want to live,
如果你現(xiàn)在沒有為你想要的未來生活存錢，你就不能指望別人來救你，
says Sallie Krawcheck, CEO and cofounder of Ellevest, a digital investment platform.
數(shù)字投資平臺Ellevest的首席執(zhí)行官兼聯(lián)合創(chuàng)始人莎莉·克勞切克表示。
Krawcheck recommends having a set amount every month diverted from your paycheck to a tax-advantaged retirement fund,
克勞切克建議，每個(gè)月從你的工資中拿出一定數(shù)額，轉(zhuǎn)到享有稅收優(yōu)惠的退休基金中，
such as a 401(k) or an IRA, so you never get a chance to spend it.
比如401(k)或個(gè)人退休賬戶，這樣你就永遠(yuǎn)沒有機(jī)會(huì)去花掉它。
Then, every time you get a raise, up your contribution.
然后，每次你得到加薪，就會(huì)增加你的退休儲蓄。
Aim to set aside 10–15 percent of your income. "It's unsexy. It's boring.
把你收入的10%至15%存起來。“這不怎么動(dòng)人。很無聊。
But a dollar invested in a 401(k) is worth more than dollar in a regular investing account because of the tax benefits," Krawcheck says.
但由于稅收優(yōu)惠，投資于401(k)計(jì)劃的1美元要比投資于普通賬戶的1美元更有價(jià)值，”克勞切克說。
"That's how you become the millionaire granny."
“你就是這樣成為百萬富翁奶奶的。”
23 GET ENOUGH REST. There's a growing amount of data linking sleep deprivation with disease and other health problems,
充分休息。越來越多的數(shù)據(jù)表明睡眠不足與疾病和其他健康問題有關(guān)，
says Scott Trappe, PhD, director of the human performance lab at Ball State University.
波爾州立大學(xué)人類行為實(shí)驗(yàn)室主任斯科特·特拉佩博士說。
Studies show that a lack of quality sleep zaps your energy, ups your stress level,
研究表明缺乏高質(zhì)量的睡眠會(huì)消耗你的能量，提高你的壓力水平，
hurts your memory, weakens your immune system, and makes you more anxious and depressed.
損害你的記憶力，削弱你的免疫系統(tǒng)，讓你更加焦慮和沮喪。
And there's this: In one study, regularly sleeping less than seven hours a night was linked to a 12 percent increased risk of early death.
還有：一項(xiàng)研究發(fā)現(xiàn)，經(jīng)常晚上睡眠少于7小時(shí)與早死風(fēng)險(xiǎn)增加12%有關(guān)。
