大家都知道，美國有相當一部分普通人過著paycheck to paycheck月光的生活，那麼，如何避免成為月光族呢？
一些全球著名的投資者已經給出了標準答案，請參考：
"Don't save what's left after you spend. Spend what's left after you save."-Warren Buffett
「不要花完再存，要存完再花。」——沃倫•巴菲特
"Diversification is the only free lunch in investing."—Harry Markowitz
「分散投資是投資中唯一的免費午餐。」——哈里•馬科維茨
"Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves."—Peter Lynch
「投資者因準備應對市場調整，或試圖預測調整而損失的財富，遠超過在市場調整本身中所遭受的損失。」—彼得•林奇
"Don't just do something; stand there!"-Jack Bogle
「不要輕舉妄動，靜觀其變！」—傑克•博格爾
"Be fearful when others are greedy, and greedy when others are fearful."-Warren Buffett
「別人貪婪時我恐懼，別人恐懼時我貪婪。」—-沃倫•巴菲特
除了名人們，還有很多普通人自己琢磨出的財務規劃。
I immediately started contributing to my401k out of college and learned to live without that money.
Pay yourself first!
我大學一畢業就立即開始向401k帳戶繳款，並學會在沒有那筆錢的情況下生活。優先為自己儲蓄！
If you're in the US, maximize both your401k contributions AND your Roth contributions if you're able to do so.
如果你在美國，儘可能同時最大化你的401k和Roth帳戶的供款額度。
The best advice I got was from my dad. When I was young, he always told me about people at his work that never started their401k because they had things they wanted to do first. I'll never forget the story he told me of a guy that just needed to build a deck for his house, then he would start investing. The guy finished the deck and then it was on to another project instead of his401k.
我得到的最好的建議來自我的父親。在我年輕時，他總是跟我講他公司里那些因為要先完成某些心願而遲遲未啟動401k計劃的人。我永遠忘不了他講述的一個故事：有個人覺得只要先建好家裡的露台，之後就會開始投資。結果那人露台完工後，又投入到下一個項目中，而非著手於他的401k。
美國普通人的住房環境
"The best day to start investing was yesterday."
Gotta start young, I teach all my senior students to open investment accounts and teach them the power of exponential growth.
「開始投資的最佳時機是昨天。」
必須從小做起，我教導所有高年級學生開設投資帳戶，並讓他們了解指數增長的力量。
I can't do the"every dollar" method. Far too tedious, but I know what's left after fixed expenses and monthly saving and craft a life around that.
我無法採用「每一美元」記帳法，太過繁瑣，但我知道在扣除固定開支和月度儲蓄後剩下的金額，並圍繞此規劃生活。
Learn a skill. Find better employment with that skill. Invest in yourself. Save every dollar you can and live well below your means to live a better life as you get older.
學習一項技能。憑藉此技能尋找更好的工作機會。投資自我。儘可能儲蓄每一分錢，量入為出，以便隨著年歲增長，過上更優質的生活。
Learn valuable skills that you increase over time, work diligently, live within your means, don't wrack up consumer debt, and don't have children before you are married.
學習隨時間增值的有用技能，勤奮工作，量入為出，避免累積消費債務，並在結婚前不要生育子女。
Best financial advice, take a free financial literacy class so you can learn how to make your money work for you at any level as well as ways to budget and save and help lift yourself out of poverty for good.
最佳理財建議：參加免費的金融知識課程，學習如何讓資金為你效力，無論收入水平如何，同時掌握預算與儲蓄之道，助力自己徹底擺脫貧困。
Buy less stuff. Instead, spend money on experiencing life. Live overseas(I volunteered for a short term work assignment in London in my20s). Buy a cheap airfare on the spur of the moment to a city you've never visited. Go on a weekend road trip. Take a class in something you're curious about.
減少購物。轉而將錢花在體驗生活上。到海外居住（我在二十多歲時曾志願參加一個短期工作項目，去了倫敦）。一時興起，購買廉價機票飛往未曾踏足的城市。來一場周末自駕游。報名參加你感興趣的課程。
量入為出；
先儲蓄，再消費；
少購物，多存錢；
存滿401K，再存IRA, roth IRA；
學習能增值的新技能；
理財要儘早，不要拖；
體驗生活。
以上就是我的分享和總結，歡迎大家補充更多通往財富自由的路徑。
