6. Follow these financial rules of thumb

遵循財務黃金法則

Concerned about how much you're spending, how much you should be saving, and how much house you can afford? Use these easy equations to determine how financially healthy you are:

在擔心要花多少錢，存多少錢，以及你能負擔的起多大平米的房子了嗎？用這些簡單的等式來看看你的財務健康狀況如何吧：

The price of your home should not be more than 2.5 times your annual gross household income.

房子價格不應超過你每年家庭純收入的2.5倍。

Your total monthly debt payments (including mortgage, student loans, car, and credit card payments) should not be more than 35 percent of your monthly gross income. Some mortgage brokers will stretch this ratio up to 40 percent, but that leaves you very little budgetary wiggle room.

你每月要支付的債務總額（包括按揭付款、助學貸款、汽車貸款和信用卡支付）不應超過你每月純收入的35%。一些房貸經紀人會把比率提升到40%，不過這樣的話你的預算空間將非常受限。

To retire comfortably, your nest egg should be about 20 times what you want your annual income to be. If you anticipate needing about $75,000 a year to live on when you retire, you'll need to save a nest egg of about $1.5 million. Of course, this will vary if you retire early or continue to work longer than usual.

為了舒服地退休，你的儲備金應該說是你年收入的20倍！如果你退休以后，你需要一年75,000美元來維持生活，那你就得攢夠一百五十萬美元的儲備金。當然，如果你要早點退休或是繼續工作，這筆金額會有所調整。