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4. Put yourself on your payroll
給自己支付工資
There comes a time every month when the bills start piling up and you force yourself to sit down and write out all the checks. Well, there's one more check you should be writing — one to yourself. Jay Fine, a longtime financial planner based in Monroe, New Jersey, offers this easy way to put your retirement planning into high gear. "Put yourself on the payroll," he says. "Every month — or even better, every paycheck — make sure you set an amount aside for investment. A good number would be about 6 percent. Anything more would be great. If you have to, you can even write yourself a check to deposit or send to another account. But just as you pay your mortgage and your electric bill without fail, now you'll be making sure to pay yourself as well."
當賬單開始堆積起來時，你就要逼著自己坐下來填寫支付每一筆賬單所需的支票。這樣的事情每月都會有一次。但是還有一張支票你應該寫，那就是一張寫給你自己的支票。來自新澤西州門羅鎮的長期理財規劃師Jay Fine，給出了一個建議幫助你。他說：“每月為自己支付工資，確保拿出了一筆錢做投資。理想的比例是6%。如果更多，就棒極了。如果需要可以用自己的名義進行存款或是存在另一個賬戶里。就像你支付按揭和電費從沒中斷過一樣，現在你要確保能一直為自己付工資。”
