从历史上看, working mothers have had even higher ambitions in the workforce than working women 在一般情况下.1 This ambition may drive them to excel in budgeting and financial matters that can help them manage their family's finances. 关于财务规划，职场妈妈应该知道些什么, and what steps can they take to help their family work towards a confident financial future? 以下是给职场妈妈们的5条理财建议.
制定预算(或支出计划)
Many tend to think of budgets as restrictive—like being on a strict diet. Reframing your budget as a spending plan may help you monitor your income and spending without feeling that you are being too tight or wasteful with money. 对每一分钱都有计划吗, 是否用于支付每月的账单, 偿还债务, 为将来存钱，甚至是尽情挥霍.
准备一笔应急基金
If you are low on cash and have an emergency that requires instant action — such as a flat tire on the way to work, a sick relative across the country or a broken HVAC system during the heat of summer—you may find it necessary to go into debt to help pay for this expense. Credit cards and cash advances may have hefty interest rates and strict repayment terms.
有几千美元, 或更多的, 预留一笔应急基金可能会帮助你解决暂时的问题, and it may also help you avoid increasing your debt load or paying more in interest.
消除高息债务
Every dollar you waste paying interest charges is a dollar you do not save or spend on something more rewarding. By focusing on paying down high-interest debt or refinancing it into a lower-interest loan, 你可能会努力管理你支付的利息. The benefit might be increasing the amount of money in your pocket each month.
使用一种叫做“滚雪球”的方法,“一旦你消除了一个利率最高的债务余额, take the payment you were putting toward that debt and apply it to the debt with the next-highest interest rate. This technique used to pay off your debt has momentum once it gets going, 就像滚雪球滚下山一样.
Invest Early and OftenAfter you build up an emergency fund, it is time to start investing. 尽管股票市场每天都有涨跌, 在一般情况下, “市场中的时间比市场的时机要好”——就是这样, the longer your funds are working and earning dividends in the stock market, 你的平均回报可能就越高. 投资可能包括向401(k)计划存钱。, 个人退休帐户(IRA), 罗斯个人退休帐户, 529年的大学账户, 或者这些账户的任意组合, 其中一些可能是税收优惠.
不要忘记自我照顾
Many mothers struggled to find time for guilt-free self-care even before the pandemic. With the upheaval of the last couple of years, self-care fell even further by the wayside for many. 然而, carving out time and money to pursue activities you enjoy might be crucial for your mental and financial health. Whether self-care looks like an evening with no interruptions or getting a monthly "allowance" to spend, 没有问题, putting self-care on your schedule may reap many benefits—both financial and non-financial.
向金融专业人士寻求帮助, 要求免费咨询, 无论是面对面的还是虚拟的, 与元素财富管理的财务顾问合作.
重要的信息披露
The opinions voiced in this material are for general information only and 不 intended to provide specific advice or recommendations for any individual security. 以确定哪些投资可能适合您, 在投资前咨询你的金融专业人士.
投资涉及风险，包括可能损失本金.
Contributions to a traditional IRA may be tax deductible in the contribution year, 提款时应缴当期所得税. Withdrawals prior to age 59 ½ 可能会导致10%的国税局罚款税 in addition to current income tax.
罗斯个人退休账户为账户中的任何收入提供递延纳税. Withdrawals from the account may be tax free, as long as they are considered qualified. 可能会有限制和限制. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, 以较晚的为准, 可能会导致10%的国税局罚款税. Future tax laws can change at any time and may impact the benefits of Roth IRAs. 他们的税收待遇可能会改变.
在投资529计划之前, investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, 奖学金基金, and protection from creditors that are only available for investments in such state's qualified tuition program. 用于符合条件的开支的提款是联邦免税的. 各州的税收待遇可能有所不同. 投资前请咨询您的税务顾问.
This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.
All information is believed to be from reliable sources; however LPL Financial makes no representation as to its completeness or accuracy.
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