“理財”，這是時下最流行詞匯之一。這也難怪，看著別人大把大把的收入或者置辦房子地產，誰不想發財呢？特別是對于普通老百姓來講，每個月只有那么點“死”工資，不求別的，只希望找個好的渠道，讓手里的錢有個發展。也許你現在的收入很高，用不著過分為錢發愁，可是你算過沒有，將來退休后，你能領多少退休金？這些退休金能為你提供怎樣的生活？夠不夠你像現在一樣地開銷？因此，很有必要在退休前，積累一筆資金，生活算計、投資理財已經不是你愿不愿意、懂不懂的問題了。早早為將來做打算，為未來生活提前作好財務安排才是幸福人生的開始。

“Managing money matters” is one of the most popular words nowadays. It is no doubt that everyone wants to become rich when seeing other people earning a handsome salary or buying houses. It is especially true to the ordinary people： they want nothing except making good use of the money they have in a good way because they can only get a rather small sum of set money. Perhaps you do not worry about the lack of money because you a making a good money. But how much retirement pay you can get？ What life can that pay offer you？ Are they enough for you to live a life as now？ So it is of great necessity to accumulate a large sum of money before your retirement. To plan your life by reasonably making investments and by managing money matters ceases to be something you can avoid. The future happy life only begins when you have had a good plan to use your money in a good way.