Pay yourself first
優先保證重點
Financial advisors tell people to transfer money to savings as soon as they get paid, because there will always be a reason why you can't put $500 toward your emergency fund at the end of the month. Likewise, there will always be a reason not to exercise at 5 p.m. A growing body of research suggests that will power functions like a muscle. It fails when used too much. By putting important-but-not-urgent activities like exercise, religious practices, or strategic thinking early in the day, you can knock these tasks off your list before your will power is exhausted by boring meetings or the siren song of the office vending machine.
根據理財顧問的建議,發工資之后,要盡早把錢存到銀行,因為如果拖到月底的話,總會有各種各樣的原因導致人們無法在應急基金中存入500美元。同樣的道理,不要等到下午5點才去鍛煉身體。越來越多的研究顯示,人的意志力與肌肉在功能上很相似。如果過度使用就會出現問題。把一些重要但不緊急的事情放在早上進行,比如鍛煉身體、宗教修行或戰略思考等,人們就可以提前把這些事情做完。否則等到開完無聊的會議,或者在辦公室忍受了一整天自動販賣機的噪音之后,人們早已筋疲力盡,想要做什么事情都力不從心了。